NKCDC has a team of HUD-certified housing counselors who are able to provide a very 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.

Offers legal aid for low-income homeowners facing evictions and foreclosures in Philadelphia. Services extend to issues regarding mortgage payments, real estate taxes, and tangled titles.

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.

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.

Helps those who are behind on their mortgage and have received a sheriff’s notice, also known as an Urgent Notice.

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

- 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.

Provides real estate and housing counseling services. Offers advice and services in the areas of pre and post purchase, pre and post rental, mortgage default/ delinquency/ foreclosure, anti-predatory lending, rental default, reverse mortgage counseling/ certification, and housing consumer education.

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.

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 foreclosure intervention assistance 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 counseling to those falling behind on mortgage payments. Counselors will discuss methods to stop foreclosure, including loan modification, forbearance plans, or other programs to allow the family to remain in the home and catch up missed payments.

Provide the information and assistance needed to avoid foreclosure. As part of President Obama's comprehensive Homeowner Affordability and Stability Plan (HASP), you may be eligible for a special Making Home Affordable loan modification or refinance, to reduce your monthly payments and help you keep your home. If you need help understanding the Making Home Affordable programs, you can use this search tool to find a counseling agency in your area that will provide you with free foreclosure prevention services. If you are eligible for the loan modification or refinance program, the counselor will work with you to compile an intake package for your servicer. Foreclosure prevention counseling services are provided free of charge by nonprofit housing counseling agencies working in partnership with the Federal Government. These agencies are funded, in part, by HUD and NeighborWorks® America. There is no need to pay a private company for

Offers free legal help for low-income and vulnerable residents of Bucks, Chester, Delaware, and Montgomery counties. May handle the following types of cases: bankruptcy, debt relief, and consumer law; child custod and dependency issues; disaster legal aid (including Hurricane Ida); elder law; expungements, pardons, and record sealing; 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.

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.

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.

Offers free legal help for low-income and vulnerable residents of Bucks, Chester, Delaware, and Montgomery counties. May handle the following types of cases: bankruptcy, debt relief, and consumer law; child custod and dependency issues; disaster legal aid (including Hurricane Ida); elder law; expungements, pardons, and record sealing; 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 a mortgage assistance program which reviews your current financial situation and can help to prevent foreclosure.

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. Also provides foreclosure mitigation and default and delinquency counseling.

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

Offers free legal help for low-income and vulnerable residents of Bucks, Chester, Delaware, and Montgomery counties. May handle the following types of cases: bankruptcy, debt relief, and consumer law; child custod and dependency issues; disaster legal aid (including Hurricane Ida); elder law; expungements, pardons, and record sealing; 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 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 housing counseling services. Helps homeowners whose mortgage delinquency is due to involuntary unemployment, under-employment, or medical reasons.

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.