Pennsylvania has a bifurcated housing market that reflects the state's diverse geography. Navigating these difference often requires professional guidance from HUD-approved housing counseling agencies, as listed below. These non-profit organizations offer free or low-cost advice on loan modifications, budgeting, and legal rights under Pennsylvania's specific foreclosure laws, including the Act 6 and Act 91 notice requirements.
Homeowners in the Commonwealth have access to some of the most robust foreclosure prevention programs in the United States. A HUD counselor can help you understand the options and get help. The Pennsylvania Housing Finance Agency (PHFA) (website: https://www.phfa.org) remains the central hub for mortgage assistance, overseeing various state and federal funding streams with also links to HUD organizations. A cornerstone of the state’s protection is the Homeowners' Emergency Mortgage Assistance Program (HEMAP), (guide at emergency mortgage help in PA) which provides loans to residents facing foreclosure due to circumstances beyond their control, such as medical emergencies or involuntary unemployment.
While the Greater Philadelphia and Lehigh Valley regions often to face inventory shortages and high demand, post-industrial centers such as Erie, Scranton, and parts of the Mon Valley in Pittsburgh see different challenges related to aging housing stock and rising property tax assessments. For many residents, especially those in rural counties across the Northern Tier, the there is often a gap between local wages and the rising cost of home insurance and utility maintenance. HUD housing agencies can help in all those areas too.
|
Organization Name
|
Address
|
Phone
|
|
Alliance for Building Communities
|
830 Hamilton Mall, Allentown, PA 18101
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610-439-7007
|
|
Neighborhood Housing Services of the Lehigh Valley
|
532 West Walnut St, Allentown, PA 18101
|
610-437-4571
|
|
Advantage Credit Counseling Service (Altoona)
|
917A Logan Blvd, Altoona, PA 16602
|
888-511-2227
|
|
Blair County Community Action Agency
|
2101 6th Ave, Altoona, PA 16602
|
814-943-1641
|
|
Housing Opportunities of Beaver County
|
282 East End Avenue, Beaver, PA 15010
|
724-728-7511
|
|
Community Action Committee of Lehigh Valley
|
1337 E. 5th Street, Bethlehem, PA 18015
|
610-691-5620
|
|
El Shaddai Bethlehem Ministries
|
529 East Broad Street, Bethlehem, PA 18018
|
610-625-3500
|
|
Advantage Credit Counseling Service (Bloomsburg)
|
702 Sawmill Road, Bloomsburg, PA 17815
|
888-511-2227
|
|
Clarifi (Bristol)
|
1230 Veterans Highway, Suite F-1, Bristol, PA 19007
|
215-563-5665
|
|
Advantage Credit Counseling Service (Butler)
|
112 Hollywood Drive, Suite 101, Butler, PA 16001
|
888-511-2227
|
|
Housing Authority of the County of Butler
|
114 Woody Drive, Butler, PA 16001
|
724-287-6797
|
|
Clarifi (Chester)
|
419 Avenue of the States, Suite 605, Chester, PA 19013
|
215-563-5665
|
|
Chester Community Improvement Project
|
412 Avenue of the States, Chester, PA 19013
|
610-876-8663
|
|
Clarifi (Coatesville)
|
1003 East Lincoln Highway, Coatesville, PA 19320
|
215-563-5665
|
|
Clarifi (North Philadelphia)
|
2506 North Broad Street, Philadelphia, PA 19132
|
215-563-5665
|
|
Credit Counseling Center (Doylestown)
|
60 North Main Street, Doylestown, PA 18901
|
215-348-8003
|
|
Money Management International (Easton)
|
306 Spring Garden St, Easton, PA 18042
|
800-220-2733
|
|
Northern Tier Community Action Corp.
|
135 W 4th St, Emporium, PA 15834
|
814-486-1161
|
|
Advantage Credit Counseling Service (Erie)
|
4402 Peach Street, Erie, PA 16509
|
888-511-2227
|
|
Bayfront NATO, Inc.
|
312 Chestnut St, Erie, PA 16507
|
814-459-2761
|
|
Greater Erie Community Action Agency
|
18 W 9th St, Erie, PA 16501
|
814-459-4581
|
|
Saint Martin Center, Inc.
|
1701 Parade Street, Erie, PA 16503
|
814-452-6113
|
|
Shenango Valley Urban League
|
601 Indiana Ave, Farrell, PA 16121
|
724-981-5310
|
|
Advantage Credit Counseling Service (Greensburg)
|
One Northgate Square, Greensburg, PA 15601
|
888-511-2227
|
|
Westmoreland Community Action
|
226 South Maple Avenue, Greensburg, PA 15601
|
724-834-1260
|
|
Advantage Credit Counseling Service (Harrisburg)
|
2000 Linglestown Road, Harrisburg, PA 17110
|
888-511-2227
|
|
Fair Housing Council of the Capital Region
|
2100 North 6th Street, Harrisburg, PA 17110
|
717-238-9540
|
|
Pennsylvania Housing Finance Agency (PHFA)
|
211 North Front Street, Harrisburg, PA 17101
|
717-780-3800
|
|
Advantage Credit Counseling Service (Hazleton)
|
81 S. Church Street, Hazleton, PA 18201
|
888-511-2227
|
|
Mon Valley Initiative
|
303-305 E. 8th Avenue, Homestead, PA 15120
|
412-464-4000
|
|
Advantage Credit Counseling Service (Honesdale)
|
232 Sunrise Avenue, Honesdale, PA 18431
|
888-511-2227
|
|
Indiana County Community Action Program
|
827 Water St, Indiana, PA 15701
|
724-465-2657
|
|
Clarifi (Jenkintown)
|
101 Greenwood Ave, Suite 340, Jenkintown, PA 19046
|
215-563-5665
|
|
SACA Development Corp
|
453 S. Lime St, Lancaster, PA 17602
|
717-399-4292
|
|
Tenfold (formerly Tabor)
|
308 East King St, Lancaster, PA 17602
|
717-397-5182
|
|
Credit Counseling Center (Levittown)
|
8130 Rte. 13, Levittown, PA 19057
|
215-348-8003
|
|
Center for Family Services
|
213 W. Center Street, Meadville, PA 16335
|
814-337-8450
|
|
Clarifi (Media)
|
8600 West Chester Pike, Upper Darby, PA 19082
|
215-563-5665
|
|
Media Fellowship House
|
302 S. Jackson, Media, PA 19063
|
610-565-0434
|
|
Trehab
|
10 Public Avenue, Montrose, PA 18801
|
570-278-5227
|
|
American Credit Alliance
|
2 South Delmorr Avenue, Morrisville, PA 19067
|
215-295-7195
|
|
Lawrence County Social Services
|
241 W. Grant Street, New Castle, PA 16103
|
724-658-7258
|
|
Clarifi (Norristown)
|
190 Germantown Pike, Norristown, PA 19401
|
215-563-5665
|
|
Genesis Housing Corporation
|
208 DeKalb Street, Norristown, PA 19401
|
610-275-4357
|
|
Affordable Housing Centers of PA (AHCOPA)
|
846 N Broad St, Philadelphia, PA 19130
|
215-765-1221
|
|
Asociación de Puertorriqueños en Marcha (APM)
|
600 W. Diamond Street, Philadelphia, PA 19122
|
215-235-6070
|
|
Clarifi (Northeast Philly)
|
7340 Jackson Street, Philadelphia, PA 19136
|
215-563-5665
|
|
Clarifi (Main Office)
|
1635 Market St, Suite 510, Philadelphia, PA 19103
|
215-563-5665
|
|
Concilio
|
141 E Hunting Park Ave, Philadelphia, PA 19124
|
215-627-3100
|
|
Congreso de Latinos Unidos
|
216 W Somerset St, Philadelphia, PA 19133
|
215-763-8870
|
|
Diversified Community Services
|
1920 S. 20th Street, Philadelphia, PA 19146
|
215-336-3511
|
|
Esperanza
|
4261 North 5th Street, Philadelphia, PA 19140
|
215-324-0746
|
|
HACE (Hispanic Assoc. of Contractors)
|
167 W. Allegheny Avenue, Philadelphia, PA 19140
|
215-426-8025
|
|
Housing Assoc. of Delaware Valley
|
1528 Walnut Street, Philadelphia, PA 19102
|
215-978-0224
|
|
Intercultural Family Services
|
4225 Chestnut St, Philadelphia, PA 19104
|
215-386-1298
|
|
Korean Community Development Services
|
6053-55 North 5th Street, Philadelphia, PA 19120
|
215-276-8830
|
|
Mt. Airy, CDC (formerly Mt. Airy USA)
|
6703 Germantown Ave, Philadelphia, PA 19119
|
215-844-6021
|
|
NACA Philadelphia
|
1341 N. Delaware Ave, Philadelphia, PA 19125
|
215-531-5221
|
|
New Kensington CDC
|
2771 Ruth St, Philadelphia, PA 19134
|
215-427-0350
|
|
Northwest Counseling Service
|
6521 N Broad St, Philadelphia, PA 19126
|
215-324-7500
|
|
Philadelphia Chinatown Development Corp
|
301-305 N. 9th Street, Philadelphia, PA 19107
|
215-922-2156
|
|
Phila. Council for Community Advancement
|
2100 Arch Street, Philadelphia, PA 19103
|
215-567-7803
|
|
The Partnership CDC
|
4027 Market Street, Philadelphia, PA 19104
|
215-662-1612
|
|
Unemployment Information Center (PUP)
|
112 N. Broad Street, Philadelphia, PA 19102
|
215-557-0822
|
|
United Communities Southeast Philly
|
2029 S. 8th Street, Philadelphia, PA 19148
|
215-467-8700
|
|
Urban League of Philadelphia
|
121 S Broad Street, Philadelphia, PA 19107
|
215-985-3220
|
|
West Oak Lane CDC
|
1624 Wadsworth Ave, Philadelphia, PA 19150
|
215-224-8339
|
|
ACTION-Housing, Inc.
|
611 William Penn Place, Pittsburgh, PA 15219
|
412-281-2102
|
|
Advantage Credit Counseling Service
|
2403 Sidney Street, Pittsburgh, PA 15203
|
866-699-2227
|
|
Fair Housing Partnership of Pittsburgh
|
2840 Liberty Avenue, Pittsburgh, PA 15222
|
412-391-2535
|
|
Nazareth Housing Services
|
301 Bellevue Road, Pittsburgh, PA 15229
|
412-931-6996
|
|
NeighborWorks Western Pennsylvania
|
710 Fifth Avenue, Pittsburgh, PA 15219
|
412-281-9773
|
|
Three Rivers Center for Independent Living
|
900 Rebecca Ave, Pittsburgh, PA 15221
|
412-371-7700
|
|
Urban League of Greater Pittsburgh
|
332 5th Avenue, Pittsburgh, PA 15222
|
412-227-4163
|
|
Advantage Credit Counseling Service (Pittston)
|
401 Laurel St, Pittston, PA 18640
|
888-511-2227
|
|
Money Management International (Pottstown)
|
265 West High Street, Pottstown, PA 19464
|
800-220-2733
|
|
Schuylkill Community Action
|
225 N. Centre St, Pottsville, PA 17901
|
570-622-1995
|
|
Money Management International (Quakertown)
|
127 South Fifth St, Quakertown, PA 18951
|
800-220-2733
|
|
Berks Community Action Program
|
247 N. 5th St, Reading, PA 19601
|
610-376-6571
|
|
NHS of Reading
|
213 North 5th Street, Reading, PA 19601
|
610-372-8433
|
|
Credit Counseling Center (Richboro)
|
832 Second Street Pike, Richboro, PA 18954
|
215-348-8003
|
|
Catholic Social Services (Scranton)
|
516 Fig Street, Scranton, PA 18505
|
570-207-2283
|
|
NHS of Lackawanna County
|
709 East Market Street, Scranton, PA 18509
|
570-558-2490
|
|
United Neighborhood Centers of NEPA
|
425 Alder St, Scranton, PA 18505
|
570-346-0759
|
|
CCCS of the Midwest (Sharon)
|
734 Stambaugh Ave, Sharon, PA 16146
|
800-355-2227
|
|
CAP of Mercer County
|
75 South Dock Street, Sharon, PA 16146
|
724-342-3532
|
|
SWPA Legal Services (Somerset)
|
218 Kimberly Ave, Somerset, PA 15501
|
800-846-0871
|
|
Clarifi (Springfield)
|
240 N. Bishop Street, Springfield, PA 19064
|
215-563-5665
|
|
Advantage Credit Counseling Service (State College)
|
202 W. Hamilton Ave, State College, PA 16801
|
888-511-2227
|
|
Advantage Credit Counseling Service (Stroudsburg)
|
411 Main Street, Stroudsburg, PA 18360
|
888-511-2227
|
|
Advantage Credit Counseling Service (Sunbury)
|
217 S. Center Street, Sunbury, PA 17801
|
888-511-2227
|
|
Fayette County Community Action Agency
|
140 North Beeson Ave, Uniontown, PA 15401
|
724-437-6050
|
|
SWPA Legal Services (Uniontown)
|
45 East Main Street, Uniontown, PA 15401
|
800-846-0871
|
|
Warren Forest Counties EOC
|
250 Hospital Drive, North Warren, PA 16365
|
814-726-2400
|
|
Blueprints (formerly Community Action SW)
|
150 W. Beau Street, Washington, PA 15301
|
724-225-9550
|
|
SWPA Legal Services (Washington)
|
10 West Cherry Avenue, Washington, PA 15301
|
800-846-0871
|
|
SWPA Legal Services (Waynesburg)
|
63 South Washington Street, Waynesburg, PA 15370
|
800-846-0871
|
|
Clarifi (West Chester)
|
222 N. Walnut St, West Chester, PA 19380
|
215-563-5665
|
|
Money Management International (Whitehall)
|
3671 Cresent Court East, Whitehall, PA 18052
|
800-220-2733
|
|
Advantage Credit Counseling Service (Wilkes-Barre)
|
77 E. Market Street, Wilkes-Barre, PA 18701
|
888-511-2227
|
|
Commission on Economic Opportunity (CEO)
|
165 Amber Lane, Wilkes-Barre, PA 18703
|
570-826-0510
|
|
Advantage Credit Counseling Service (Williamsport)
|
201 Basin Street, Williamsport, PA 17701
|
888-511-2227
|
|
Bucks County Housing Group
|
2324 Second Street Pike, Wrightstown, PA 18956
|
215-598-3566
|
|
Money Management International (Wyomissing)
|
833 N. Park Rd, Wyomissing, PA 19610
|
800-220-2733
|
|
Housing Alliance of York
|
35 South Duke Street, York, PA 17401
|
717-854-1541
|
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