Assists in negotiations with lender for a Loan Modification or a Forbearance Plan, budget counseling, referrals to other services, and will help explore additional refinancing options. People with an Act 91 Notice should contact immediately, there is a limited window to apply for assistance.

Provides civil legal services to low-income individuals and families without the means to hire a private attorney.

Provides housing counseling services as a supportive base for tenants and homeowners of HAVE's housing development projects.

Offers a range of programs to ensure that consumers have access to housing and understand their rights under fair housing laws. Services include counseling on the rights protected under fair housing laws, information on how to recognize and report violations, information on legal options and assistance with the legal process, random testing to ensure regional compliance with fair housing laws, technical assistance, and comprehensive education programs.

Provides comprehensive housing counseling services including Pre- and Post-Purchase Counseling, Rental Counseling, Mortgage Default and Delinquency Counseling, Property Inspection Assistance, Loan Counseling. Home Repair Loans, Mortgage Refinancing Assistance, Property Tax Assistance, and Homestead Exemption Help. Holds Pre-Purchase Workshops the third Thursday of every month.

Provides homebuyer and homeowner counseling and education, including foreclosure prevention services. All services are available virtually.

Provides foreclosure intervention assistance and counseling.

Offers support for the Elderly Property Tax and Extension Program which can extend, defer, or assist older adults who are behind on property taxes. Older adults are also assisted with foreclosure preventions/loss mitigation counseling, budgeting and financial coaching.

Provides foreclosure prevention services for homeowners in danger of losing their homes. Also provides credit counseling and pre-purchase services to those interested in purchasing a home.

Offers free legal help for low-income and vulnerable residents. Services may include bankruptcy, debt relief, consumer law, child custody and dependency issues, disaster legal aid, elder law, expungements, pardons, and record sealing. May also cover government benefits issues concerning Unemployment Compensation, SSI, SSDI, TANF (Temporary Assistance for Needy Families), SNAP (food stamps), Medical Assistance (Medicaid), and Child Health Insurance Program (CHIP). Housing issues such as landlord-tenant, eviction, habitability, public or subsidized housing, rent-to-own, homeownership, mortgage foreclosure, property tax sales, reverse mortgages, and tangled title; utility problems, and veterans benefits and discharge upgrades.

Clarifi works with struggling homeowners in all stages from those who are current but facing potential future delinquency to those whose homes are scheduled for sheriff's sale.

Offers free legal help for low-income and vulnerable residents. Services may include bankruptcy, debt relief, consumer law, child custody and dependency issues, disaster legal aid, elder law, expungements, pardons, and record sealing. May also cover government benefits issues concerning Unemployment Compensation, SSI, SSDI, TANF (Temporary Assistance for Needy Families), SNAP (food stamps), Medical Assistance (Medicaid), and Child Health Insurance Program (CHIP). Housing issues such as landlord-tenant, eviction, habitability, public or subsidized housing, rent-to-own, homeownership, mortgage foreclosure, property tax sales, reverse mortgages, and tangled title; utility problems, and veterans benefits and discharge upgrades.

Offers free legal help for low-income and vulnerable residents. Services may include bankruptcy, debt relief, consumer law, child custody and dependency issues, disaster legal aid, elder law, expungements, pardons, and record sealing. May also cover government benefits issues concerning Unemployment Compensation, SSI, SSDI, TANF (Temporary Assistance for Needy Families), SNAP (food stamps), Medical Assistance (Medicaid), and Child Health Insurance Program (CHIP). Housing issues such as landlord-tenant, eviction, habitability, public or subsidized housing, rent-to-own, homeownership, mortgage foreclosure, property tax sales, reverse mortgages, and tangled title; utility problems, and veterans benefits and discharge upgrades.

Provides housing stabilization services including credit and budget counseling; foreclosure prevention counseling; eviction prevention through payment assistance when funds are available and landlord-tenant mediation; and first-time home buyers education and counseling.

Provides counseling and workshops concerning first-time homebuyers, budgeting and managing finances, resolving/preventing mortgage delinquency, avoiding predatory lending, landlord-tenant issues, and tax liens. Provides referral service for any issue regarding tangled titles and deed transfers. Maintains an extensive list of resources for homeowners, heirs, and rental topics.

Offers to help homeowners get mortgage relief and avoid foreclosure.

Provides consumers with information on a range of housing issues, including foreclosures and reverse mortgages, and referrals to approved local housing counseling agencies. Responsible for national policy and programs that address America's housing needs, that improve and develop the Nation's communities, and enforce fair housing laws.

- Home Ownership Counseling Program: Provides seminars for first-time homebuyers. Certificate presented at completion. Seminars held 7 times per year. Offered in person and virtually. Check website for schedule. Also offers pre-purchase counseling and pre-settlement counseling. Call or check website for more information regarding these services. - Mortgage Foreclosure Counseling Services: Provides loss mitigation counseling services. Provides assistance completing Homeowners' Emergency Mortgage Assistance Program (HEMAP) application. Court Diversion Program available in Lehigh County and Northampton County. Call or check website for more information regarding these services. - Bethlehem Homebuyer Assistance Program (BHAP): Administers down payment and closing cost program for the City of Bethlehem for first-time homebuyers who meet eligibility requirements. Call for more information regarding this program.

Offers legal aid for low-income homeowners facing evictions and foreclosures.

Provides housing counseling services. Helps homeowners whose mortgage delinquency is due to involuntary unemployment, under-employment, or medical reasons. Also helps those who are looking to become homeowners with monthly workshops, financial counseling, and closing cost assistance grants.

Offers free legal help for low-income and vulnerable residents. Services may include bankruptcy, debt relief, consumer law, child custody and dependency issues, disaster legal aid, elder law, expungements, pardons, and record sealing. May also cover government benefits issues concerning Unemployment Compensation, SSI, SSDI, TANF (Temporary Assistance for Needy Families), SNAP (food stamps), Medical Assistance (Medicaid), and Child Health Insurance Program (CHIP). Housing issues such as landlord-tenant, eviction, habitability, public or subsidized housing, rent-to-own, homeownership, mortgage foreclosure, property tax sales, reverse mortgages, and tangled title; utility problems, and veterans benefits and discharge upgrades.

Assists homeowners facing foreclosure. Provides early court intervention for owner-occupied residential mortgage cases, helping homeowners explore options to retain their properties or, if necessary, allow lenders to proceed to Sheriff Sale. SCA counselors provide skilled support and representation, assisting homeowners in negotiating repayment terms, loan modifications, and other solutions to resolve mortgage defaults. In partnership with the Court of Common Pleas – 21st Judicial District and the Schuylkill County Bar Association.

Assists with pre-and post-renting, rental delinquency/default, post purchase counseling, first-time mortgage counseling, anti-predatory lending, and mortgage default and delinquency counseling.

Provides housing stabilization services including credit and budget counseling; foreclosure prevention counseling; eviction prevention through payment assistance when funds are available and landlord-tenant mediation; and first-time home buyers education and counseling.

Provides a wide range of free housing services, including: first-time homebuyer counseling; foreclosure and sheriff sale prevention; rent, mortgage and utility assistance; property tax and rent rebates; financial education. Also help clients build budgets and credit, and can connect people to affordable home repair.