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BIENVENIDOS A LA CONSEJERÍA DE VIVIENDA

Housing Counseling se compromete a proporcionar a las familias de ingresos bajos a moderados una serie de servicios coordinados en un solo lugar para satisfacer mejor sus necesidades de vivienda y crédito al consumo y para generar riqueza individual y comunitaria.

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ESPAÑOL

Saturday, November 9th & 16th (Online)

Sábado, Octubre 5 & 12 (En persona)

  • First Time Home Buyer Seminar, November 9th and 16th
    First Time Home Buyer Seminar, November 9th and 16th
    First Time Home Buyer Seminar, November 9th and 16th
    sáb, 09 nov
    Virtual Event
    09 nov 2024, 8:15 a. m. – 16 nov 2024, 1:00 p. m.
    Virtual Event
    09 nov 2024, 8:15 a. m. – 16 nov 2024, 1:00 p. m.
    Virtual Event
    The Home Ownership Counseling Program will prepare you to become a homeowner. The HOCP seminar is organized into six topics, which are conducted on two consecutive Saturdays. Attendance at both dates is required to attain your certificate.
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Sobre nosotros

Aquí en Community Action Lehigh Valley, nuestro objetivo es único; hacer nuestra parte para hacer del mundo un lugar mejor para todos. Nuestro proceso de toma de decisiones se basa en estudios empíricos integrales y una evaluación de datos de alta calidad. Nos esforzamos por construir relaciones productivas y lograr un impacto positivo en todas nuestras actividades.

pre-purchase counseling
and education services

first-time homebuyer seminars

Seminars are offered in both English and Spanish at least seven times per year and provide a comprehensive overview of the homebuying process including down payment information and closing cost assistance programs. Presenters include lenders, realtors, home inspectors, homeowners’ insurance agents, and closing agents. The seminar provides eight hours of HUD-approved, pre-purchase education and participants earn a certificate of completion to present to their lender.

pre-settlement counseling

Pre-Settlement Counseling is available to homebuyers who have a mortgage commitment and closing date. Two-hour and four-hour counseling sessions are available, depending on the type of down payment and closing cost assistance that will be utilized. A two-hour counseling session is also available to homebuyers using a PHFA loan product. The homebuyer earns a certificate of completion to present to their lender.

Pre-Purchase Counseling

A Housing Counselor meets with a prospective homebuyer to develop a budget, action plan, and to pull and review the credit report. This counseling helps the homebuyer gain a better understanding of their housing situation and work towards the goal of purchasing a home.

Rental/Budget Counseling

A Housing Counselor meets with a renter to develop a budget, action plan, and to pull and review the credit report. This counseling helps the renter to establish better savings patterns and to budget for monthly expenses such as rent and utility payments.

financial education

A financial education course is offered at least once per year and covers topics such as budgeting and savings. Course participants earn a certificate of completion.

foreclosure prevention counseling services

Loss Mitigation Services

A homeowner who is behind on mortgage payments can meet with a Housing Counselor to develop a budget and action plan. The Housing Counselor will pull and review the credit report with the homeowner and submit a workout packet to the lender to request a loan modification or repayment plan.

Homeowners’ Emergency Mortgage Assistance Program (HEMAP)

A homeowner who receives an Act 91 Notice in the mail from their lender can meet with a Housing Counselor who will provide counseling and complete/ submit a HEMAP application to the Pennsylvania Housing Finance Agency (PHFA) on behalf of the homeowner. HEMAP assistance is the form of a loan that helps a homeowner catch up with delinquent mortgage payments.

Mortgage Foreclosure
Diversion Programs

Community Action’s Housing Counseling Program offers a Court Diversion Program in partnership with both Lehigh and Northampton County. A homeowner receives notification that they have been sued by their lender, which includes contact information for HCP. Our Housing Counselor provides counseling, submits a workout packet requesting a loan modification or repayment plan, and attends conciliation hearings with the homeowner. The Housing Counselor works closely with the lender’s attorney and County Court personnel to advocate for the homeowner.

homebuyer education

The Home Ownership Counseling Program will prepare you to become a homeowner. The HOCP seminar is organized into six sessions which are conducted on two consecutive Saturdays.

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During these six sessions you will learn about:

  • Preparing for Home Ownership

  • The Importance of Good Credit

  • Shopping for a Home

  • Obtaining a Mortgage

  • The Closing Process

  • What to Expect as a Home Owner

Upon completion of all six sessions, you will receive a certificate of achievement. The certificate should be presented to the loan officer at the time of completing the mortgage application. This will demonstrate that you are serious and informed about home ownership.

individual counseling

Individual Counseling is also available to you during and after the home buying process.

 

Staff can assist you with:

  • Reviewing Your Credit Report

  • Loan Document Preparation

  • Budgeting

  • Determining Your Affordability

  • Selecting the Best Mortgage for You

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