|Advantage Credit Counseling Service - Greensburg||Provides the following counseling services: budget, credit, bankruptcy, first time homebuyer, reverse mortgage and mortgage delinquency prevention. Debt Management Program available to assist clients in repayment of unsecured debt. Speakers available for group financial literacy workshops. Money management classes available at Pittsburgh office.||Westmoreland||Consumer Credit Counseling Service of Western PA||Advantage Credit Counseling Service|
|Advantage Credit Counseling Service - Lawrence||Provides the following counseling services: budget, credit, bankruptcy, first time homebuyer, reverse mortgage and mortgage delinquency prevention. Debt Management Program available to assist clients in repayment of unsecured debt. Speakers available for group financial literacy workshops.
||Lawrence||Consumer Credit Counseling Service of Western PA||Advantage Credit Counseling Service|
|Army Strong Community Center||Army Strong Community Centers (ASCCs) support geographically-dispersed service members and their families by identifying resources needed and matching them with existing community services--serving families closest to where they live.
The ASCC is a community-based office dedicated to assisting service members, retirees, veterans and their families from all branches of military service. Areas of support include: briefings to groups, benefits and entitlements, education and employment assistance and referrals to helping agencies. On-site resources include a child play area, lending library and an internet-enabled computer with Skype capability.||Allegheny||Army Strong Community Center||Army Strong Community Center|
|Bethany Outreach Center - Computer/Employment/Budgeting Classes||COMPUTER: Basic Microsoft skills
JOB SEARCH AND RESUME BUILDING: One-on-one help with job search, resume/cover letter building and interviewing skills.
HOME BUDGETING: One-on-one help with personal finances.||Erie||Bethany Outreach Center||Bethany Outreach Center|
|Better Business Bureau of Western PA - BBB Military Line||Since 2004, Better Business Bureau (BBB) Military Line has provided free resources to our military communities in the areas of financial literacy and consumer protection through the efforts of 113 BBBs across the U.S.
The five main components of the program are:
1. Education - Many Local BBBs on and around military installations teach financial readiness classes to service members.
2. Outreach - We attend and support community fairs, conferences and other events, speaking with service members and distributing information.
3. Information - Our website provides a one stop shop for articles, links and consumer alerts for each branch of service. Check out our resources page for free consumer guides written just for military members and find us on Facebook and Twitter.
4. Data Collection - We analyze BBB data to help identify the threats and needs of our military community in the marketplace.
5. Complaint and Dispute Resolution - Filing a complaint with BBB helps military consumers resolve disputes and alert us to issues affecting the military community at large.
Need a Financial Readiness Class?
BBB Military Line offers an array of interactive and engaging Financial Workshops that are taught by local BBB staff members. These workshops are:|
Need a Consumer Issues Subject Matter Expert?
Your local BBB can provide speakers who work in the world of consumer issues and protection.
- The Smart Consumer (Adult & Teen versions),
- Deals for Wheels(Adult & Teen versions),
- How to Buy a Home,
- Investing for Retirement,
- Scams and ID Theft.
|Allegheny||Better Business Bureau of Western PA||Better Business Bureau of Western PA|
|Blair County Community Action Housing Counseling Program Money Management||Information and guidance for people who want to develop and preserve assets or need assistance in obtaining and responsibly using credit, paying bills, reducing their debt burden, and managing their financial resources.||Blair||Blair County Community Action Housing Counseling Program||Blair County Community Action Agency|
|Bright Alternatives, Inc. ||Offers Parenting Program, confirmation of pregnancy tests, option counseling, post-abortive counseling, peer counseling, abstinence education, and budgeting classes.||McKean||Bright Alternatives, Inc. ||Bright Alternatives, Inc.|
|Budgeting Counseling and Classes||Budgeting Counseling - Using scriptural precepts for individuals and families experiencing serious financial difficulties, teaching them how to setup a budget, how to stick to a spending plan, how to negotiate with creditors to make payments that suit the clients income, teaching them how to overcome adversity so they can improve their life and become self-sufficient, how to balance a check book and any other education needed.
Budgeting Classes-Covering the importance of budgeting, budget setup, using credit wisely, consequences of credit, and how to set financial goals.
||Franklin||Maranatha Ministry, Inc.||Maranatha Ministry, Inc.|
|Catholic Charities Emergency Financial Assistance - Bellefonte Office||Catholic Charities’ Emergency Financial Assistance program follows accepted case management principles in meeting the needs of their clients:|
Our income and eligibility guidelines are flexible, and they are often able to provide limited financial assistance to clients who might otherwise have received minimal or possibly no interventions from other agencies.
- They conduct a comprehensive social and financial assessment of the clients’ living situations by means of a face-to-face interview
- When agency guidelines have have been met, they address client needs through the provision of grants for basic living expenses
- They advocate for clients with utility companies, landlords, and other individuals, businesses, and agencies
- They provide budget counseling to enhance clients’ financial stability and independence
- They offer information and referral services when appropriate to local, state, and federal agencies
|Centre||Catholic Charities of the Diocese of Altoona - Johnstown / Bellefonte Office||Catholic Charities of the Diocese of Altoona-Johnstown|
|Center for Community Action Personal Finances/Budget Counseling||Provides information and guidance regarding money management techniques and debt consolidation and/or repayment programs.||Bedford||Center for Community Action Child Care Info Services, HAP, HRRP, EFSP, Finalcial Literacy, Workshop, MATP, PWD, GED prep test||Center for Community Action|
|Center for Family Services - Main Office - Budget Counseling||Two (2) budget counseling sessions, each 2.5 hours.||Crawford||Center for Family Services - Main Office||Center for Family Services|
|Christian Assistance Network||Assists the poor, disabled, disadvantaged and elderly with the basic needs of food, clothing, housing and medical expenses. Strive to assist those individuals and/or families who are experiencing a “Crisis” in their lives. A Crisis might be financial– due to a loss of employment, medical – due to a recent change in the health status of a family member, or psychological - due to a stressful situation in your daily life.||Mercer||Christian Assistance Network||Christian Assistance Network|
|Coast Guard Mutual Assistance||Coast Guard Mutual Assistance (CGMA) is a tax-exempt organization of Coast Guard people assisting the entire Coast Guard family, including active duty, retired military, Coast Guard civilian employees, Coast Guard Reserve, Coast Guard Auxiliary, Public Health Service officers serving with the Coast Guard, and surviving family members.
Most assistance is provided through interest-free loans and personal grants. Education assistance programs support members and dependents in their pursuit of academic goals. Other types of assistance include emergency travel, temporary living expenses, funeral expenses, loss of funds or property, disaster relief, medical and dental expenses, home studies expenses for adoptions, and debt management. There is also a Layette Program to welcome infants.
||Coast Guard Mutual Assistance||Coast Guard Mutual Assistance|
|Community Action - Emergency Shelter and Rent Assistance||Assistance with housing emergencies such as foreclosure, eviction, and essential utility termination, as well as emergency shelter and assistance to locate permanent housing; assistance with budgeting, and addressing other issues affecting the household through referrals to community resources||Jefferson||Community Action||Community Action|
|Community Action - Homeless Services (CoC Coordinated Entry)||Provides homeless emergency shelter, transitional housing, help with locating and establishing a new residence, and case management. Also provides homeless veterans and their families with supportive services.||Jefferson||Community Action||Community Action|
|Connellsville Area Community Ministries Financial Training||Provides financial education and training to the low income, unemployed and underemployed residents of Connellsville||Fayette||Connellsville Area Community Ministries Education and Training||Connellsville Area Community Ministries|
|Consumer Credit Counseling Service/Advantage Credit||Individual counseling in money management and credit. Provides credit expert to help client improve credit score and better understand credit report. (There is a charge for this).||Dauphin||Consumer Credit Counseling Service, Dauphin County||Advantage Credit Counseling Service|
|Crawford County Mental Health Awareness Program - Main Offices - Representative Payee Money Management||Offers financial management and counseling. The level of support provided is based on individual needs. Services may include developing and implementing budgets, checkbook management, resolving past debts while establishing good credit, coordinating with the Social Security Administration and the Department of Health and Human Services, and accessing other community and financial resources.||Crawford||Crawford County Mental Health Awareness Program - Main Offices||Crawford County Mental Health Awareness Program|
|Family Savings Account Program||As an incentive to save for a goal and develop a savings plan, grant funds will be used to match a participant's savings up to a maximum of $2,000 for a two year period -- A 100% RETURN ON YOUR SAVINGS!
Each saver must set a SPECIFIC GOAL for the use of his/her savings and match. Goals may be the following:
Purchase or repair of a house
Starting or expanding a business
Purchase of a vehicle for work, education or job training.
Savings and match funds MUST be used for the goal.
A participant must promise to deposit at least $10.00 per week in a separate savings account for at least 12 months and up to 24 months at an approved financial institution. Current participating banks are: Commerce Bank, Centric Bank, M&T Bank, Mid Penn Bank, PNC Bank and Sovereign Bank.
Each saver MUST PARTICIPATE in FOUR FINANCIAL WORKSHOPS during a two year period on topics such as budgeting, savings and investing, credit and credit repair, loans, insurance, wills and tax planning. These valuable workshops are provided at no cost to the participants.
||Dauphin||Housing Authority of the County of Dauphin||Housing Authority of the County of Dauphin |
|Fayette County Community Action Agency Budget Counseling||Provides budget counseling services to the community.||Fayette||Housing Counseling||Fayette County Community Action Agency|
|FDIC Money Smart Adult Education Program||FDIC Money Smart Adult Education program is a computer-based instruction program that provides the client an opportunity to complete the ten lessons of the Money Smart Training Program and receive a certificate.||Dauphin||Christian Recovery Aftercare Ministry, Inc.||Christian Recovery Aftercare Ministry, Inc. |
|Fifth Third Bank eBus - Credit Counseling and Financial Education||Mobile classroom providing credit counseling, financial education, and homeownership and foreclosure prevention services directly to the community in an informal and relaxed atmosphere. Once onboard, visitors also will be able to request a free credit report, receive money management and budgeting information, open a checking or savings account or apply for a credit card, and talk with representatives about financial education.
||Allegheny||Fifth Third Bank Community Affairs||Fifth Third Bank - Community Affairs|
|Financial Counseling Services||We help people to establish a monthly budget plan and set priorities. Develop a plan to pay off credit cards, medical bills, collection accounts and other debts. Be educated to avoid high-risk loans, risky home mortgages, payday cash and income tax advance loans, and other scams. Review credit reports and improve credit rating. Learn tips to avoid identity theft.||Adams||Pennsylvania Interfaith Community Programs, Inc. (PICPI)||Pennsylvania Interfaith Community Programs, Inc., Adams County Housing Authority, Turning Point Interfaith Mission |
|Grace Covenant Church - Financial Counseling||Our goal is to reach people in the community, offering them a 9-week class program, as well as one-on-one counseling and coaching. The class will feature the following lessons: Super Saving, Relating with Money, Cash-Flow Planning, Dumping Debt, Buyer Beware, The Role of Insurance, Retirement and College Planning, Real Estate & Mortgages, and The Great Misunderstanding.
Our emphasis is helping people with their personal finances, which involves one-on-one counseling and coaching, including help with issues such as budgeting, debt-reduction, and developing a cash-flow plan.||Snyder||Grace Covenant Church||Grace Covenant Church|
|Hill District Federal Credit Union||Offers savings accounts, loans, and financial counseling.||Allegheny||Hill District Federal Credit Union||Hill District Federal Credit Union|
|Inter-Church Ministries of Erie County - Achieving Your Goals: Empowerment through Financial Literacy||Peer-to-peer mentoring connecting budget coaches and individuals struggling with basic household budgeting, balancing a checkbook and managing household finances.||Erie||Inter-Church Ministries of Erie County||Inter-Church Ministries of Erie County|
|Keystone Warriors||An Eastern Pennsylvania based 501 (c)(3) nonprofit corporation that seeks to honor the daily sacrifices made by the brave men and women in all branches of the United States Military, but specifically those wounded on or after September 11, 2001. Aids wounded warriors by raising public awareness and seeking the public’s support for programs and services that assist wounded warriors. Funds donated to Keystone Warriors are used to support local post-9/11 veterans and their families located in or with ties to Pennsylvania. The remaining funds are donated to national post-9/11 wounded veterans organizations.
Provides these services:
Financially: Provides direct resources for daily needs such as groceries, toiletries and items for the wounded warrior and their family. Partner with a local organization, Keystone Soldiers, to provide these immediate needs. Also provide financial counseling to wounded warriors to help in their transition from the military to civilian life.
Physically: Keeping wounded warriors active is key to their overall wellbeing. Partner with Corps Fitness, Wyomissing, PA to provide specialized physical training and goal setting in an active, physical lifestyle. Also works with local gyms in the area in which wounded warriors are located to ensure they are provided the opportunity to stay active.
Mentally: One of the major problems faced by wounded warriors is mental health. Strive to help warriors by providing counseling and mentorship. Actively working with local veteran’s counseling centers to provide much needed support. Also strive to match up wounded warriors who have gone through similar experiences and establish a mentor relationship.||Berks||Keystone Warriors||Keystone Warriors|
|Money Management International - Philadelphia Branch||Services include budget and debt counseling, debt management, foreclosure prevention, reverse mortgage counseling, bankruptcy counseling and financial education workshops. Housing counseling services are available 24 hours / 7 days a week by telephone and Internet or at local offices during business hours.
||Philadelphia||Money Management International - Philadelphia Branch||Money Management International|
|National Guard of the United States - Financial Management Awareness Program (FMAP)||The National Guard Financial Management Awareness Program (FMAP) provides training and education, counseling/consulting, and information and referral to commands, to Service members, and to their Families.
FMAP assists Service members and their Families in increasing personal and family financial knowledge and readiness and provides counseling on financial issues such as basic budgeting, money management, debt consolidation (including coaching to help people contact their creditors and negotiate late fees, interest rates, and affordable payment plans), and assistance with housing issues (being behind on mortgage payments or facing potential foreclosure). The National Foundation for Credit Counseling (NFCC) can also help you develop a debt-management plan at no cost. Should you choose to enter into an arrangement with NFCC to manage a debt-management plan on a long-term basis, a nominal monthly fee may apply.
Focusing initially on first term Service members, the mission of FMAP is to impart knowledge and skills in all facets of basic financial management to include managing monthly income, expenses, savings credit, and consumer rights and protections, with the goal of the Service member achieving important individual and family financial goals and objectives.
In addition, FMAP provides Service members knowledge and insights in the basics of purchasing or leasing a car, renting or buying a home, managing personal risks through insurance products, understanding the potential for return and risk in investments, and the financial implications of transition to civilian life.
FMAP is especially sensitive to the situations and needs of the Service member experiencing financial hardship. FMAP is well-integrated with other key programs in the Family Program operations, specifically in the areas of, Readiness; Transition Assistance; Family Member Employment; Children, Youth and Teens; Exceptional Family Member Program and Educational and Vocational Programs.||United States Department of Defense, National Guard of the United States||United States Department of Defense|
|Navy-Marine Corps Relief Society||The Navy-Marine Corps Relief Society (NMCRS) provides financial assistance and education, as well as other programs and services, to members of the United States Navy and Marine Corps, their eligible family members, widows, and survivors. The Society also receives and manages donated funds to administer these programs and services.
Our main goal is to help each person who comes to us get support for their immediate needs. Our long-term mission is to help Sailors and Marines become financially self-sufficient by learning how to better manage their personal finances and prepare for unplanned expenses.
- Financial Assistance and Counseling,
- Quick Assist Loan,
- Education Assistance,
- Health Education and Post-Combat Support,
- Budget for Baby,
- Emergency Travel,
- Disaster Relief,
- Thrift Shops.
|Navy-Marine Corps Relief Society||Navy-Marine Corps Relief Society|
|NeighborWorks - Allegheny County||Provides 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.
- 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,
|Allegheny||NeighborWorks - Western PA||NeighborWorks Western PA|
|NeighborWorks - Lawrence County||Provides 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.
||Allegheny||NeighborWorks - Western PA||NeighborWorks Western PA|
|Network of Hope Allison Park - Financial Counseling||Courses on budgeting and managing personal finances. Personal financial consultations available.||Allegheny||Allison Park Office||Network of Hope|
|New Hope Ministries - Dillsburg||Food pantry, Financial Assistance for rent, utilities, transportation, stability classes - GED, Nurse Aide, Budgeting, Forklift, Truck driving, Vision Referral (for people with no eye insurance or means to pay for eye care/glasses), etc.
||York||New Hope Ministries - Dillsburg||New Hope Ministries|
|New Hope Ministries - Dover||Food pantry, Financial Assistance for rent, utilities, transportation, stability classes - GED, Nurse Aide, Budgeting, Forklift, Truck driving, Vision Referral (for people with no eye insurance or means to pay for eye care/glasses), etc.
||York||New Hope Ministries - Dover||New Hope Ministries|
|New Hope Ministries - Hanover||Food pantry, Financial Assistance for rent, utilities, transportation, stability classes - GED, Nurse Aide, Budgeting, Forklift, Truck driving, Vision Referral (for people with no eye insurance or means to pay for eye care/glasses), etc.
||York||New Hope Ministries - Hanover||New Hope Ministries|
|New Hope Ministries - Mechanicsburg||Food pantry, Financial Assistance for rent, utilities, transportation, stability classes - GED, Nurse Aide, Budgeting, Forklift, Truck driving, Vision Referral (for people with no eye insurance or means to pay for eye care/glasses), etc.
||Cumberland||New Hope Ministries - Mechanicsburg||New Hope Ministries|
|New Hope Ministries - New Oxford||Food pantry, Financial Assistance for rent, utilities, transportation, stability classes - GED, Nurse Aide, Budgeting, Forklift, Truck driving, Vision Referral (for people with no eye insurance or means to pay for eye care/glasses), etc.||Adams||New Hope Ministries - New Oxford||New Hope Ministries|
|New Hope Ministries - West Shore/Lemoyne||Food pantry, Financial Assistance for rent, utilities, transportation, stability classes - GED, Nurse Aide, Budgeting, Forklift, Truck driving, Vision Referral (for people with no eye insurance or means to pay for eye care/glasses), etc.
||Cumberland||New Hope Ministries - West Shore/Lemoyne||New Hope Ministries|
|Northern Tier Community Action Corporation - Referral/Case Management||All individuals participating in programs at Northern Tier participate in a needs assessment evaluation to determine immediate needs and prioritize how we might provide assistance. From this needs assessment a mutually agreed upon action plan is developed to establish goals and guide the client and the case manager. As part of the goals established, Case Managers will work with the family to develop a monthly cash flow and money management plan. Case Managers will work with individuals and families to develop and increase job seeking and employability skills to increase the potential for employment and self-sufficiency.||Cameron||Northern Tier Community Action Corporation||Northern Tier Community Action Corporation|
|Northside Common Ministries Financial Opportunity Center||On-site Employment Specialist is here to help people find a job. On-site Income Supports Specialist helps access food stamps, CHIP, Social Security Disability, Utility Assistance, Tax Prep services and more. On-site Financial Counselor is there to help improve client’s credit and work on budgeting.
||Allegheny||Northside Common Ministries||Goodwill of Southwestern Pennsylvania|
|Pennsylvania Wounded Warriors||PAWW is an independent statewide non-profit 501©(3) organization providing support to Pennsylvania Wounded Warriors, Veterans in Crisis, and their families. We are not affiliated with nor a part of any national organization, including Wounded Warrior Project, and we do not receive any funds from them. We provide emergency financial assistance to veterans to help pay for housing, utilities, transportation, medical and other expenses. We pay directly to landlords, vendors and creditors.||Cumberland||Pennsylvania Wounded Warriors||Pennsylvania Wounded Warriors (PAWW)|
|Pregnancy Resource Center of Greater Hazleton||The center, provides comprehensive counseling, including sound nutrition, budgeting and life skills coaching. It will also provide pregnancy testing.||Luzerne||Pregnancy Resource Center of Greater Hazleton||Pregnancy Resource Center of Greater Hazleton|
|Salvation Army USA / Williamsport Corps - Emergency Financial Assistance||Assists eligible clients with emergency financial assistance. Service is available as funding permits. Does NOT assist with security deposits or first month's rent.||Lycoming||Salvation Army USA / Williamsport Corps||Salvation Army USA Eastern Territory|
|Sisters of Saint Joseph (SSJ) Neighborhood Network||Provides opportunities for personal growth and neighborhood revitalization. Some of the offerings include individualized and small group programming for youth and adults, Pedal Mettle earn-a-bike program, help with diapers, a weekly soup kitchen, crime reduction efforts, neighborhood watch, referrals, housing improvement programs, community gardens, farmers market, mural art, streetscape improvements.||Erie||Sisters of Saint Joseph (SSJ) Neighborhood Network||Sisters of Saint Joseph (SSJ) Neighborhood Network|
|United States Coast Guard - Coast Guard Mutual Assistance: Debt Management and Financial Counseling Program||Coast Guard Mutual Assistance (CGMA) provides essential financial aid to the entire Coast Guard family, chiefly through financial counseling, short-term interest-free loans, financial grants, referrals, and other related means.
Debt Management assistance is intended to help our clients become good financial managers of their income. To become good financial managers, they must first be able to meet their financial obligations. Sacrifice and austerity on the part of the client is essential.
Debt Management assistance does not aim to return an insolvent person to an absolutely normal way of life. Debt Management does assist by helping to create the minimum essential financial condition to allow the person to live frugally while paying off obligations in a responsible manner.
Debt Management assistance generates sufficient cash flow to permit a livable budget, repayment of debt, and the provision for modest savings to meet future needs. Total debt consolidation loans are not authorized.
Examples of Authorized Debt Management and Financial Counseling Assistance:|
- Professional, confidential, financial planning and counseling. Available to all CGMA clients. Applying for a loan or grant from CGMA is not required to receive counseling,
- Assistance when faced with exceptional financial circumstances and unable to receive financial assistance from commercial institutions.
|United States Coast Guard||United States Department of Homeland Security|
|United States Coast Guard - Coast Guard Mutual Assistance: General Assistance Program||Coast Guard Mutual Assistance (CGMA) provides essential financial aid to the entire Coast Guard family, chiefly through financial counseling, short-term interest-free loans, financial grants, referrals, and other related means.
General Assistance may be provided when unexpected events or expenses cause a serious financial burden and financial need is demonstrated.
CGMA General Assistance differs from CGMA Emergency Assistance because the qualifying circumstance does not immediately endanger personal well being or require urgent help. Certain eligibility and assistance restrictions apply, and are outlined in the CGMA Manual.
Examples of Authorized General Assistance:|
- Child Support,
- Family In-Home Day-care Facility,
- Financial Counseling,
- Government Travel Cards,
- Household Furnishings,
- Immigration Fees,
- Loss of Income,
- Moving Expenses,
- Non-Emergency Travel,
- Non-Support/Inadequate Support,
- Past Due Bills and Expenses,
- Pay, Travel & Allotment Problems,
- Vehicle Repair,
- Vehicle Other Expenses.
|United States Coast Guard||United States Department of Homeland Security|
|United States Department of Defense, Military OneSource||Military OneSource is a confidential Department of Defense-funded program providing comprehensive information on every aspect of military life at no cost to active duty, National Guard, and reserve members, and their families.
Information includes, but is not limited to, deployment, reunion, relationships, grief, spouse employment and education, parenting and childhood services. It is a virtual extension to installation services.||United States Department of Defense, Military OneSource||United States Department of Defense|
|United States Department of Defense, Military OneSource - Counseling||Offers short-term, non-medical counseling services to active-duty, Guard, and Reserve members (regardless of activation status) and their families. Counseling services are available by phone, online, or face to face.||United States Department of Defense, Military OneSource||United States Department of Defense|
|United States Department of Veterans Affairs, Veterans Benefits Administration - Home Loans||The 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:
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 Loans||United States Department of Veterans Affairs, Veterans Benefits Administration|
|United Way of the Titusville Region -Center for Financial Independence- Budgeting||Center for Financial Independence personnel will assist individuals/families in creating a household budget by looking at existing income & expenses.||Crawford||United Way of the Titusville Region||United Way of the Titusville Region|
|Warren-Forest Counties EOC - Budget Counseling||Clients work with staff to learn how to coordinate their resources and expenditures within a family budget.||Warren||Warren-Forest Counties EOC - Community Services||Warren-Forest Counties Economic Opportunity Council|
|Warren-Forest Counties EOC - HUD Housing Counseling||Counsels clients on budgeting, particularly budgeting for housing.||Warren||Warren-Forest Counties EOC - Community Services||Warren-Forest Counties Economic Opportunity Council|
|Westmoreland Community Action - Housing Counseling & Money Management Center||Offers 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:
||Westmoreland||Housing Programs||Westmoreland Community Action|