Homebuyer/Home Purchase Counseling

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    Taxonomy Code: BH-3700.3000

    Programs that help people who want to purchase a home evaluate their readiness for homeownership, shop for housing that meets their needs, resolve potential credit problems, analyze specific home purchase offers, obtain a mortgage loan with advantageous interest rates and an affordable monthly payment, and complete the paperwork to close the loan and complete the sale. Also included are programs that provide assistance for people who want to refinance a home.

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    There are 43 matching records.
    Service NameDescriptionLocationProgramAgency
    Alliance for Building Communities - First Time HomebuyerDoorway to Homeownership program for first time homebuyers provides individualized training in budgeting, maintenance and upkeep of properties. Participants must attend credit counseling sessions, adhere to a strict monthly budget, deposit monthly payments into an escrow account for closing costs and repay at least $50 per month toward their debt. LehighAlliance for Building CommunitiesAlliance for Building Communities
    Blair County Community Action Housing Counseling Program Homebuyer/Home Purchasing CounselingProvide assistance for people who want to purchase a home by offering information and advice about affordable housing that meets their needs, solving potential credit problems, etc.BlairBlair County Community Action Housing Counseling ProgramBlair County Community Action Agency
    Blueprints - Housing CounselingHUD-approved counseling agency for housing problems including budget counseling; also assist with the completion of Farmer's Home Administration application; foreclosure mitigation; pre-purchase counseling; provides information and referrals to other community agencies and programs.WashingtonFamily Economic SuccessBlueprints
    Blueprints - Mortgage Foreclosure AvoidanceHousing counselors are available to discuss and enroll clients in individual programs designed to help prevent foreclosures. In partnership with the Pennsylvania Housing Finance Agency, housing counselors provide these services: * Individual Pre-Home Purchase Counseling * Individual Credit & Budget Counseling * Pre-Home Purchase Educational Workshops * Pre-Home Closing Counseling Workshops * Anti-Predatory Lending & Foreclosure Prevention WorkshopsWashingtonFamily Economic SuccessBlueprints
    Butler County Homeownership ProgramAssists low and moderate income families to achieve home ownership in Butler County. A HUD and PHFA-certified Housing Counseling agency. Provides housing counseling for: homeless, rental, home ownership, foreclosures/loss mitigation and budget and credit. Monthly classes pertaining to: home buyer education, foreclosure prevention and mortgage assistance.ButlerRedevelopment Authority of Butler County - Emergency Repair ProgramHousing and Redevelopment Authority County of Butler
    Center for Family Services - Main Office - Homebuyer's EducationHomebuying advice, including, review of income, expenses and credit, explanation of the “home buying” process, including dealing with a realtor, what to expect from the lender, appraisal, home inspection, homeowner's insurance, escrow Provide education on predatory lending practices, One on One counseling (lasts 2 hours), First Time Homebuyer Workshops (six hour class), local experts present on relevant topics. Participants in both the One on One counseling and Workshops receive a certificate.CrawfordCenter for Family Services - Main OfficeCenter for Family Services
    Community Action Partnership of Mercer County - Housing CounselingProvides housing counseling services to help homeowners avoid foreclosure.MercerCommunity Action Partnership of Mercer County - HousingCommunity Action Partnership of Mercer County
    Fair Housing of Beaver CountyProviding education and advocacy about Fair Housing, ensuring that the protected classes are not unfairly discriminated against when it comes to renting or buying a home as well as in financial lending practices. Housing: Fair Housing, Education, Referral, Advocacy.BeaverFair Housing of Beaver CountyFair Housing of Beaver County
    Fair Housing Partnership of Greater Pittsburgh, Inc.Assists in the investigation and filing of housing discrimination complaints, and provides legal representation for victims of housing discrimination. Fair housing hotline provides information and referrals for people with housing problems, including landlord/tenant disputes. Provides homebuyer education workshops, pre-purchase and post-purchase counseling, and housing search assistance including help with accessing to public housing. Works to eliminate housing discrimination and to promote fair housing in the Greater Pittsburgh area and throughout Pennsylvania, through education, monitoring and research, legislative reform, testing and enforcement, and community outreach. Volunteer opportunities are available for testers to pose as potential homebuyers or renters to help uncover discriminatory practices.AlleghenyFair Housing Partnership of Greater Pittsburgh, inc.Fair Housing Partnership of Greater Pittsburgh, Inc.
    Family Self-Sufficiency and Home Ownership ProgramFamily Self-Sufficiency (FSS) is a voluntary HUD program that encourages and assists families to become self-sufficient. The FSS Program is open to all residents in Public Housing or those who hold a Housing Choice Voucher/Section 8 Voucher. Participants in the program are assigned a case manager to help them set and reach goals related to becoming self-sufficient such as receiving more education, job training, help with childcare, a career and home ownership. FSS offers a financial incentive to families through an escrow account, which is based on an increase in a families earned income. An example of an increase in earned income would be when a family member has a pay raise, obtains employment or has an increase in his or her working hours that results in an increase in the portion of rent that the family pays each month. For example, if a family member begins working 40 hours per week, and the families rent increases $25.00 dollars per month, that $25.00 dollars goes into an escrow account that the Housing Authority establishes for the family. This account becomes available to the family when the family successfully completes their FSS Contract of Participation which is typically in a 5 year time period. Another program is the Home Ownership Program and only open to those who receive a Housing Choice Voucher (HCV)/Section 8 Voucher (S8V). A participant can choose to use his or her voucher to assist with the purchase and payment of a home. Eligible Section 8 Voucher holders may now use their vouchers to assist in the purchase of their own home through the Section 8 Homeownership Program. The voucher assistance provides a partial payment toward the mortgage every month for up to 15 years. Participants are assisted with budgeting and credit repair as needed, provided with homeownership education, and given support every step of the way as they purchase their home.FranklinFranklin County Housing Authority (FCHA)Franklin County Housing Authority (FCHA)
    Fayette County Community Action Agency Housing CounselingProvides counseling to first time home buyers. Certified Housing and Urban Development Counseling Agency.FayetteHousing AssistanceFayette County Community Action Agency
    Greene County Human Services - Housing ProgramGreene County Human Services Department offers a full continuum of housing services. The Philosophy of the County is to keep people housed whenever possible and if they become homeless, to assist them to move to permanent housing. Our programs serve the following: • Persons at risk of homelessness • Homeless • Persons with Behavioral Health (Mental Health and Drug Alcohol) Issues • Low Income families and individuals • Families involved with Children and Youth • Persons with Special Needs and/ or Disabilities • Seniors • Youth in transition • Person involved in the Criminal Justice System • Veterans The Greene County Housing Program continuum of services includes the following services that are described in more detail below: • Outreach • Intake and Coordinated Assessment • PATH Services (help with housing for those with Behavioral Health needs) • Homeless Prevention (evictions) • Rapid Rehousing (first month’s rent) • Emergency Shelter • Shelters • Transitional Housing • Permanent Housing • Support Services To access any of these housing services, contact: Housing Outreach Specialist Fort Jackson Building (3rd Floor) 19 South Washington Street, Waynesburg, PA 15370 Phone: 724-852-5276/ Fax: 724-852-5368 Office Hours: 8:30 a.m. to 4:30 p.m., Monday-Friday GreeneHousing Authority of the County of GreeneGreene County Human Services
    Home Ownership, PICPIWe offer homeownership counseling, which is often mandated by your bank or lender. We can help you apply for low interest loans through USDA.AdamsPennsylvania Interfaith Community Programs, Inc. (PICPI)Pennsylvania Interfaith Community Programs, Inc., Adams County Housing Authority, Turning Point Interfaith Mission
    Hosanna IndustriesHome repair services for needy, qualified, very low/low-income homeowners. New home construction. Disaster repair services. All forms of home repairs: roofs (not more than one story), siding, windows, doors, porch repair, drywall/plaster repair, flooring, plumbing, electrical, appliance replacement, hot water tanks, furnaces, retaining walls, masonry.BeaverHosanna IndustriesHosanna Industries
    Housing CounselingProvide assistance with securing and maintaining affordable housing by teaching the skills necessary for home ownership. We also provide one-on-one counseling for those families facing mortgage difficulties or foreclosure.DauphinTri County Community ActionTri County Community Action
    Housing Opportunities of Beaver County - Mortgage Foreclosure AvoidanceProvides housing counseling services. Helps homeowners whose mortgage delinquency is due to involuntary unemployment, to under-employment or to medical reasons.BeaverHousing Opportunities of Beaver County - Mortgage Foreclosure AvoidanceHousing Opportunities of Beaver County
    Indiana County Community Action Program Housing CounselingProvides counseling to first time home buyers and low income housing.IndianaHousing Counseling for First Time Buyers / Low Income HousingIndiana County Community Action Program
    Indiana County Office of Planning and Development - Fair HousingAssists in the filing of housing discrimination complaints. Gives referrals to the Fair Housing Law Center to investigate, file and provide legal representation for victims of housing discrimination.IndianaIndiana County Office of Planning and DevelopmentIndiana County Office of Planning and Development
    Lawrence County Community Action Partnership - Housing Case Management ServicesHousing case management and counseling services are provided to any households seeking housing and/or housing information. Case managers work with households to determine the cause of the housing crisis (if applicable), provide individualized financial literacy and/or budgeting assistance, provide assistance in locating and obtaining suitable housing in the location of the participant’s choice, assist with landlord/participant negotiations, assist in securing and maintaining utility services for participants, assist in securing furnishings, utensils, and other necessary living items for participants, and provide referrals to community services.LawrenceLawrence County Community Action Partnership - Emergency & Community ServicesLawrence County Community Action Partnership
    Mon Valley Initiative - Housing Counseling ProgramPre-purchase housing counseling, reverse mortgage counseling, and homebuyer education.AlleghenyHousing Counseling ProgramMon Valley Initiative
    Nazareth Housing Services - Homeowner EducationOffers educational seminars and individual pre-closing counseling for first-time homebuyers. These seminars help qualify lower-income participants for financial assistance from various sources and give them an overview of the home buying process. AlleghenyNazareth Housing ServicesNazareth Housing Services
    NeighborHope - Home Ownership Classes and AssistanceHome ownership classes and assistance for first time homebuyers. Please call for information on next class; classes are not run on a regular basis.AlleghenyNeighborHopeNeighborHope
    NeighborWorks - Allegheny CountyProvides free housing counseling services, homebuyer education and financial literacy courses. Foreclosure prevention services help homeowners whose mortgage delinquency is due to involuntary unemployment, adjustable rate resets, income disruption, family/medical emergency, or predatory lending. Provides free credit scores, budgeting advice, and pre-purchase counseling for FHA loans. Satellite Locations:
    • Eastside Neighborhood Employment Center - Garfield,
    • Hosanna House - Wilkinsburg,
    • Human Services Inc. - Turtle Creek,
    • The Kingley Association - Larimer,
    • North Hills Community Outreach,
    • North Side Leadership Conference,
    • NWWPA Homeownership Center - Main Office in Uptown/Downtown Pittsburgh,
    • Lawrence County Community Action Partnership - New Castle,
    • South Hills Interfaith Ministries,
    • Operation Better Block,
    • Veterans's Administration - Delafield Road,
    • Hazelwood.
    AlleghenyNeighborWorks - Western PANeighborWorks Western PA
    NeighborWorks - Lawrence CountyProvides free housing counseling services, home-buyer education and financial literacy courses. Foreclosure prevention services help homeowners whose mortgage delinquency is due to involuntary unemployment, adjustable rate resets, income disruption, family/medical emergency, or predatory lending. Provides free credit scores, budgeting advice, and pre-purchase counseling for FHA loans. Call or email for Satellite Locations nearest you. AlleghenyNeighborWorks - Western PANeighborWorks Western PA
    NeighborWorks Western PA - RealtyWorks in commercial and residential real estate. Helps narrow down the options and provides choices that best suit budget, lifestyle and needs.AlleghenyNeighborWorks Western PA REALTYNeighborWorks Western PA
    NorthSide Coalition for Fair HousingEnsuring and improving the availability and accessibility of low-income and affordable housing in the Northside Communities while improving the lives of families.AlleghenyNorthSide Coalition for Fair HousingNorthSide Coalition for Fair Housing
    Open Hand MinistriesProvides low/moderate income, disadvantaged families the opportunity for affordable homeownership in the Pittsburgh neighborhoods of Garfield and East Liberty. Matches clients with mortgage programs and supports them through the process of repairing credit, buying a home, home ownership, and transition to a new neighborhood. Partners with local construction companies to rehabilitate properties and provide on-going home maintenance training to clients. Sponsors volunteer work days year-round to rehab houses for low-income families.AlleghenyOpen Hand MinistriesOpen Hand Ministries
    Operation HomeOperation HOME is a homeownership program consisting of one 8 hour workshop and one-on-one counseling. The course is designed to enable clients to make informed decisions during the transition from renter to homeowner. This course places an emphasis on financial literacy, budgeting and credit restoration for first-time homebuyers, particularly in the low to moderate income population. Operation HOME has developed partnerships with the Pennsylvania Housing Finance Agency (PHFA), local lending institutions, social services agencies and local real estate organizations to help reach its goal of creating successful homeowners throughout Western Pennsylvania.AlleghenyHousing DepartmentUrban League of Greater Pittsburgh
    PathStone - Financial EducationProvides individuals and families with education about the home buying process and wealth and asset building, enabling them to move toward successful purchase of safe and affordable housing.DauphinPathStone Corporation - HarrisburgPathStone Corporation
    Pathstone - Financial Fitness ProgramProvide individuals and families with education about the home buying process, wealth and asset building, enabling them to move toward successful purchase of safe and affordable housing. This program helps participants develop financial skills, repair their credit, and obtain access to products to help them build assets. Classes help participants establish and achieve financial goals and prepare for homeownership. One-on-one credit counseling and financial planning is also available. Provided in English and Spanish.FranklinPathStone Corporation - ChambersburgPathStone Corporation
    PathStone - Home Buyer Post-Purchase CounselingProvides individuals and families with education about the home buying process and wealth and asset building, enabling them to move toward successful purchase of safe and affordable housing.DauphinPathStone Corporation - HarrisburgPathStone Corporation
    PathStone - Home Buyer Pre-Purchase EducationProvide individuals and families with education about the home buying process and wealth and asset building, enabling them to move toward a successful purchase of safe and affordable housing.DauphinPathStone Corporation - HarrisburgPathStone Corporation
    Pennsylvania Housing Finance Agency - Homebuyer CounselingHomebuyers can participate in counseling and education programs through an approved counseling agency. Borrowers that are considering a PHFA loan product and have a FICO credit score lower than 660 are required to complete a course prior to closing on their loan. PHFA strongly encourages first-time borrowers to consider enrolling in homebuyer counseling.DauphinPHFA Housing Counseling, Development, and InformationPennsylvania Housing Finance Agency ( PHFA )
    Redevelopment Authority of the City of ErieHousing rehabilitation assistance for low/moderate income owner-occupied households throughout the City of Erie. Lead Hazard Control program to mitigate hazards associated with lead-based paints is available for income-qualified households throughout Erie County (both owner-occupied and rental properties). Homebuyer Assistance for 1st time homebuyers in the City of Erie. Commercial facade improvement programs (in limited areas of the City of Erie). Adopt-a-Lot Program to allow residents, businesses, and neighborhood groups to care for and utilize vacant lots in their neighborhood (ideal for gardening, creating an impromptu pocket park, planting flower beds, etc.).ErieRedevelopment Authority of the City of ErieRedevelopment Authority of the City of Erie
    Redevelopment Authority of the City of Uniontown Homebuyer Redevelopment Program Counseling ServicesProvides homebuyer counseling services, down payment and closing cost assistance, and a variety of permanent and subordinated mortgage productsFayetteHomebuyer Redevelopment Program Counseling ServicesRedevelopment Authority of the City of Uniontown
    Redevelopment Authority of the County of Fayette Homebuyer Redevelopment Program Counseling ServiceProvides homebuyer counseling services, down payment and closing cost assistance, and a variety of permanent and subordinated mortgage productsFayetteHomebuyer Redevelopment Program Counseling ServiceRedevelopment Authority of the County of Fayette
    Redevelopment Authority of the County of GreeneThe Redevelopment Authority of the County of Greene is the principle agency in Fayette County responsible for community development and single-family affordable housing activities. It is a division of The Pennsylvania Association of Housing and Redevelopment Agencies.GreeneRedevelopment Authority of the County of GreeneRedevelopment Authority of the County of Greene
    Saint Martin Center - Pre-Closing WorkshopEducates homebuyers on topics relating to closing on a property.ErieSaint Martin Center - Main OfficeSaint Martin Center
    Threshold Housing DevelopmentDevelops and provides affordable housing for low income families in Fayette, Greene and Washington counties. Also links residents to community action agencies for housing counseling.FayetteThreshold Housing DevelopmentThreshold Housing Development
    United States Department of Veterans Affairs, Veterans Benefits Administration - Home LoansThe United States Department of Veterans Affairs, Veterans Benefits Administration is responsible for administering The VA's extensive non-medical benefits. Its responsibilities include initial veteran registration, eligibility determination, and five key lines of business (benefits and entitlements): Home Loan Guarantee, Insurance, Vocational Rehabilitation and Employment, Education (GI Bill), and Compensation & Pension. VA helps Servicemembers, Veterans, and eligible surviving spouses become homeowners. As part of our mission to serve you, we provide a home loan guaranty benefit and other housing-related programs to help you buy, build, repair, retain, or adapt a home for your own personal occupancy. VA Home Loans are provided by private lenders, such as banks and mortgage companies. VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms. Types of Assistance: Purchase Loan VA can help you purchase a home at a competitive interest rate, and if you have found it difficult to find other financing. VA's Cash-Out Refinance Loan For homeowners who want to take cash out of your home equity to take care of concerns like paying off debt, funding school, or making home improvements. The Cash-Out Refinance Loan can also be used to refinance a non-VA loan into a VA loan. VA will guaranty loans up to 100% of the value of your home. VA Home Loan Guaranty Most VA Home Loans are handled entirely by private lenders and VA rarely gets involved in the loan approval process. VA "stands behind" the loan by guaranteeing a portion of it. If something goes wrong and you can't make the payments anymore, the lending institution can come to us to cover any losses they might incur. The VA loan guaranty is the "insurance" that we provide the lender. Interest Rate Reduction Refinance Loan The VA Interest Rate Reduction Refinance Loan (IRRRL) lowers your interest rate by refinancing your existing VA home loan. By obtaining a lower interest rate, your monthly mortgage payment should decrease. You can also refinance an adjustable rate mortgage (ARM) into a fixed rate mortgage. Native American Direct Loan The Native American Direct Loan (NADL) Program provides direct home loans from VA to eligible Native American Veterans to finance the purchase, construction, or improvement of homes on Federal Trust Land, or to refinance a prior NADL to reduce the interest rate. Housing Grants for Disabled Veterans VA provides grants to Servicemembers and Veterans with certain permanent and total service-connected disabilities to help purchase or construct an adapted home, or modify an existing home to accommodate a disability. Two grant programs exist: the Specially Adapted Housing (SAH) grant and the Special Housing Adaptation (SHA) grant. VA's Adapted Housing Grants for Disabled Veterans Trouble Making Payments VA Regional Loan Centers have technicians available to conduct financial counseling. This counseling is designed to help you avoid foreclosure. If you want this assistance, call 1-877-827-3702 to reach a Loan Service Representative that can assist you.United States Department of Veterans Affairs, Veterans Benefits Administration - Home LoansUnited States Department of Veterans Affairs, Veterans Benefits Administration
    Warren-Forest Counties Economic Opportunity Council - Pre-Housing CounselingPre-purchasing counseling for those who are obtaining a Pennsylvania Housing Finance Loan.WarrenWarren-Forest Counties Economic Opportunity CouncilWarren-Forest Counties Economic Opportunity Council
    Washington County Homeless Services and Housing Assistance ProgramsStrives to ensure that individuals and families that are at risk of becoming homeless receive the prevention and intervention services to address their various housing needs and the need of other supportive services. Facilitates all aspects of the multiple projects comprising Washington County's Continuum of Care. Homeless / Housing Services include: Emergency Shelter Services, Safe Haven, Transitional Housing, Permanent Supportive Housing, Shelter Plus Care, and Homeless Prevention Programs. Supportive Services include Case Management Services and Information and Referral.WashingtonHomeless Services and Housing Assistance ProgramsWashington County Government
    Westmoreland Community Action - Housing Counseling & Money Management CenterOffers training and resources designed to support families and individuals who are interested in purchasing their very own home. The Housing Counseling & Money Management Center provides free housing counseling services to all Westmoreland County residents who have housing needs or problems that are potentially resolvable through home buyer education and/or pre-purchase counseling. Service offered include: -Pre-closing class -Pre-Purchase Counseling -Homebuyer Education -Credit Enhancement WestmorelandHousing ProgramsWestmoreland Community Action

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