What is housing counseling?

Housing counseling helps to guide you through the process of buying a home.

From improving credit and finding mortgage loans, to learning about the responsibilities that come with owning a home, our program will work with you and provide the resources you need to determine if homeownership is right for you.

Approved by HUD and PHFA

A majority of our clients are just looking for general guidance toward achieving their goal of owning a home.

But if you’re required to receive pre-purchase counseling as a condition of your mortgage, our program is approved by both the U.S. Department of Housing and Urban Development (HUD) and the Pennsylvania Housing Finance Agency (PHFA).

One-on-one support

During a counseling session, our housing counselor will help to prepare you for the entire process of homeownership.

Together, you’ll work to create a household budget and review your credit report. The counselor also will help you to understand what credit scores mortgage loan originators want to see, and how other information affects your ability to qualify for a loan.

The housing counselor will also help you determine the maximum mortgage you qualify for and what you can reasonably afford. If you do not already qualify for a mortgage loan, we will help you develop an action plan that, if followed, will eventually improve your financial situation and allow you to qualify for a mortgage.

Through our program, you will learn about the importance of managing your finances in order to get and keep your own home.

Homebuyer’s Club

Several times each year, our housing counselor offers group sessions we call “homebuyer’s club.” These events are relaxed and are designed to help attendees get closer to their goal of buying a house by encouraging them to start thinking like homeowners.

Each session features an industry professional from a different field — real estate, construction, remodeling or mortgage lending, for example — who is ready to answer questions and provide guidance on topics such as the home-loan process, banking options to maximize savings, home maintenance tips, etc.

For more information, ask your housing counselor how you can be added to the mailing list to be notified when the next event is taking place.