Remote sessions take about 90 minutes to complete while the traditional face-to-face sessions can take over 2-3 hours. Counselors are certified by PHFA and NeighborWorks. Participants needs to have a Smartphone, tablet, laptop, or desktop computer and a device that has a web camera so that the counselor can clearly see you during the session.

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 pre-purchase counseling sessions to assist prospective buyers to understand the mortgage process; foreclosure prevention counseling helps current homeowners to avoid foreclosure when possible. Also provides information about reverse mortgages in special sessions. All counselors are HUD-certified.

Provides foreclosure intervention assistance and counseling.

Assists struggling homeowners avoid foreclosure by offering loan modifications, refinance options, principal reduction, and short sale or deed-in-lieu alternatives.

Offers HUD/FHA mortgage insurance, low and moderate income and elderly housing programs, community development assistance to local governments, and financial and technical assistance to organizations administering ongoing HUD programs, projects, and developments. Literature and speakers available.

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.

Information and access to resources for people who are finding it difficult to make the mortgage payments on their homes and are at risk for foreclosure.

Provides a mortgage assistance program which reviews your current financial situation and can help to prevent foreclosure.

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.

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 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.

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.

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

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

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.

Provides rental, housing, and financial counseling. Works with individuals to help them meet their financial goals, whether it's securing an affordable rental, purchasing their first home, or building savings. Offers foreclosure mitigation and default, and delinquency counseling.

Foreclosure prevention counseling helps people struggling to make their mortgage payments by helping them to: understand their options to avoid foreclosure; access emergency mortgage assistance through HEMAP; work with their lenders to obtain loan modifications. Reverse mortgage counseling helps people who are over 62 to understand reverse mortgages (also known as Home Equity Conversion Mortgage or HECM) and to decide if this is a good option for them. This counseling is required by law before any lender can make a reverse mortgage to a client.

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.

Court of the Common Pleas, 43rd Judicial District in Monroe County office this service in an effort to address the increasing number of property foreclosures in the county. Objective of the program is to provide a streamlined, unified process for the resolution of mortgage foreclosure proceedings through court intervention, housing counseling, and conciliation conferences.

Provides free housing counseling and free legal advice to give homeowners a way to negotiate with their mortgage lenders. Can also assist with property tax questions and appeals. Call if you have missed a mortgage payment, mortgage payments have suddenly increased, there is a problem with mortgage, have unpaid property taxes or City/water liens, got letter from Sheriff’s Office, don’t understand your loan documents, been the victim of foreclosure rescue scam, or have reverse mortgage questions.

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 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 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.