Personal Financial Counseling

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    Programs that help people who are having difficulty paying their monthly bills gain control of their finances. The process generally involves analysis of the individual's income, expenses, debts, taxes and other factors to create a personal financial assessment; development of a budget for basic living expenses; and agreement on a short-term plan for repayment of creditors which may include debt consolidation or other strategies and a longer term plan for realizing personal financial goals.

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    There are 54 matching records.
    Service NameDescriptionLocationProgramAgency
    Advantage Credit Counseling Service - GreensburgProvides 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.WestmorelandConsumer Credit Counseling Service of Western PAAdvantage Credit Counseling Service
    Advantage Credit Counseling Service - LawrenceProvides 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. LawrenceConsumer Credit Counseling Service of Western PAAdvantage Credit Counseling Service
    Army Strong Community CenterArmy 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.AlleghenyArmy Strong Community CenterArmy Strong Community Center
    Bethany Outreach Center - Computer/Employment/Budgeting ClassesCOMPUTER: 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.ErieBethany Outreach CenterBethany Outreach Center
    Better Business Bureau of Western PA - BBB Military LineSince 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:
    • The Smart Consumer (Adult & Teen versions),
    • Deals for Wheels(Adult & Teen versions),
    • How to Buy a Home,
    • Investing for Retirement,
    • Scams and ID Theft.
    Need a Consumer Issues Subject Matter Expert? Your local BBB can provide speakers who work in the world of consumer issues and protection.
    AlleghenyBetter Business Bureau of Western PABetter Business Bureau of Western PA
    Blair County Community Action Housing Counseling Program Money ManagementInformation 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.BlairBlair County Community Action Housing Counseling ProgramBlair 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.McKeanBright Alternatives, Inc. Bright Alternatives, Inc.
    Budgeting Counseling and ClassesBudgeting 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. FranklinMaranatha Ministry, Inc.Maranatha Ministry, Inc.
    Catholic Charities Emergency Financial Assistance - Bellefonte OfficeCatholic Charities’ Emergency Financial Assistance program follows accepted case management principles in meeting the needs of their clients:
    • 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
    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.
    CentreCatholic Charities of the Diocese of Altoona - Johnstown / Bellefonte OfficeCatholic Charities of the Diocese of Altoona-Johnstown
    Center for Community Action Personal Finances/Budget CounselingProvides information and guidance regarding money management techniques and debt consolidation and/or repayment programs.BedfordCenter for Community Action Child Care Info Services, HAP, HRRP, EFSP, Finalcial Literacy, Workshop, MATP, PWD, GED prep testCenter for Community Action
    Center for Family Services - Main Office - Budget CounselingTwo (2) budget counseling sessions, each 2.5 hours.CrawfordCenter for Family Services - Main OfficeCenter for Family Services
    Christian Assistance NetworkAssists 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.MercerChristian Assistance NetworkChristian Assistance Network
    Coast Guard Mutual AssistanceCoast 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 AssistanceCoast Guard Mutual Assistance
    Community Action - Emergency Shelter and Rent AssistanceAssistance 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 resourcesJeffersonCommunity ActionCommunity Action
    Community Action - Homeless ServicesProvides 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.JeffersonCommunity ActionCommunity Action
    Connellsville Area Community Ministries Financial TrainingProvides financial education and training to the low income, unemployed and underemployed residents of ConnellsvilleFayetteConnellsville Area Community Ministries Education and TrainingConnellsville Area Community Ministries
    Consumer Credit Counseling Service/Advantage CreditIndividual 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).DauphinConsumer Credit Counseling Service, Dauphin CountyAdvantage Credit Counseling Service
    Crawford County Mental Health Awareness Program - Main Offices - Representative Payee Money ManagementOffers 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.CrawfordCrawford County Mental Health Awareness Program - Main OfficesCrawford County Mental Health Awareness Program
    Family Savings Account ProgramAs 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 Post-secondary education 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. DauphinHousing Authority of the County of DauphinHousing Authority of the County of Dauphin
    Fayette County Community Action Agency Budget CounselingProvides budget counseling services to the community.FayetteHousing CounselingFayette County Community Action Agency
    FDIC Money Smart Adult Education ProgramFDIC 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.DauphinChristian Recovery Aftercare Ministry, Inc.Christian Recovery Aftercare Ministry, Inc.
    Fifth Third Bank eBus - Credit Counseling and Financial EducationMobile 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. AlleghenyFifth Third Bank Community AffairsFifth Third Bank - Community Affairs
    Financial Counseling ServicesWe 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.AdamsPennsylvania Interfaith Community Programs, Inc. (PICPI)Pennsylvania Interfaith Community Programs, Inc., Adams County Housing Authority, Turning Point Interfaith Mission
    Grace Covenant Church - Financial CounselingOur 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.SnyderGrace Covenant ChurchGrace Covenant Church
    Hill District Federal Credit UnionOffers savings accounts, loans, and financial counseling.AlleghenyHill District Federal Credit UnionHill District Federal Credit Union
    Inter-Church Ministries of Erie County - Achieving Your Goals: Empowerment through Financial LiteracyPeer-to-peer mentoring connecting budget coaches and individuals struggling with basic household budgeting, balancing a checkbook and managing household finances.ErieInter-Church Ministries of Erie CountyInter-Church Ministries of Erie County
    Keystone WarriorsAn 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.BerksKeystone WarriorsKeystone Warriors
    Money Management International - Philadelphia BranchServices 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. PhiladelphiaMoney Management International - Philadelphia BranchMoney 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 StatesUnited States Department of Defense
    Navy-Marine Corps Relief SocietyThe 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. Services available:
    • 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 SocietyNavy-Marine Corps Relief Society
    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
    Network of Hope Allison Park - Financial CounselingCourses on budgeting and managing personal finances. Personal financial consultations available.AlleghenyAllison Park OfficeNetwork of Hope
    New Hope Ministries - DillsburgFood 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. YorkNew Hope Ministries - DillsburgNew Hope Ministries
    New Hope Ministries - DoverFood 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. YorkNew Hope Ministries - DoverNew Hope Ministries
    New Hope Ministries - HanoverFood 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. YorkNew Hope Ministries - HanoverNew Hope Ministries
    New Hope Ministries - MechanicsburgFood 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. CumberlandNew Hope Ministries - MechanicsburgNew Hope Ministries
    New Hope Ministries - New OxfordFood 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.AdamsNew Hope Ministries - New OxfordNew Hope Ministries
    New Hope Ministries - West Shore/LemoyneFood 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. CumberlandNew Hope Ministries - West Shore/LemoyneNew Hope Ministries
    Northern Tier Community Action Corporation - Referral/Case ManagementAll 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.CameronNorthern Tier Community Action CorporationNorthern Tier Community Action Corporation
    Northside Common Ministries Financial Opportunity CenterOn-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. AlleghenyNorthside Common MinistriesGoodwill of Southwestern Pennsylvania
    Pennsylvania Wounded WarriorsOffers Pennsylvania Wounded Warriors, their families, or Pennsylvania veterans with medical emergencies in their families financial assistance. Helps wounded warriors with home repairs, utility payments, short term rent or mortgage payments, medical bills and medical equipment not covered under current government programs and educational programs to prepare for college under the GI Bill.CumberlandPennsylvania Wounded WarriorsWounded Warrior Project
    Pregnancy Resource Center of Greater HazletonThe center, provides comprehensive counseling, including sound nutrition, budgeting and life skills coaching. It will also provide pregnancy testing.LuzernePregnancy Resource Center of Greater HazletonPregnancy Resource Center of Greater Hazleton
    Salvation Army USA / Williamsport Corps - Emergency Financial AssistanceAssists eligible clients with emergency financial assistance. Service is available as funding permits. Does NOT assist with security deposits or first month's rent.LycomingSalvation Army USA / Williamsport CorpsSalvation Army USA Eastern Territory
    Sisters of Saint Joseph (SSJ) Neighborhood NetworkProvides 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.ErieSisters of Saint Joseph (SSJ) Neighborhood NetworkSisters of Saint Joseph (SSJ) Neighborhood Network
    United States Coast Guard - Coast Guard Mutual Assistance: Debt Management and Financial Counseling ProgramCoast 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 GuardUnited States Department of Homeland Security
    United States Coast Guard - Coast Guard Mutual Assistance: General Assistance ProgramCoast 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:
    • Adoption,
    • Child Support,
    • Childcare,
    • Family In-Home Day-care Facility,
    • Financial Counseling,
    • Government Travel Cards,
    • Household Furnishings,
    • Immigration Fees,
    • Insurance,
    • 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 GuardUnited States Department of Homeland Security
    United States Department of Defense, Military OneSourceMilitary 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 OneSourceUnited States Department of Defense
    United States Department of Defense, Military OneSource - CounselingOffers 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 OneSourceUnited States Department of Defense
    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
    United Way of the Titusville Region -Center for Financial Independence- BudgetingCenter for Financial Independence personnel will assist individuals/families in creating a household budget by looking at existing income & expenses.CrawfordUnited Way of the Titusville RegionUnited Way of the Titusville Region
    Warren-Forest Counties EOC - Budget CounselingClients work with staff to learn how to coordinate their resources and expenditures within a family budget.WarrenWarren-Forest Counties EOC - Community ServicesWarren-Forest Counties Economic Opportunity Council
    Warren-Forest Counties EOC - HUD Housing CounselingCounsels clients on budgeting, particularly budgeting for housing.WarrenWarren-Forest Counties EOC - Community ServicesWarren-Forest Counties Economic Opportunity Council
    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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