Housing Counseling

The Credit Counseling Center is a Pennsylvania Housing Finance Agency (PHFA) and Housing and Urban Development (HUD) approved agency.

Our counseling is tailored to meet your unique needs. We offer both first-time homebuyer counseling, as well as mortgage foreclosure prevention assistance in conjunction with the National Foreclosure Mitigation Counseling Program.

How we help new homeowners:

• Up to $10,000 in closing cost assistance for first-time Bucks County homebuyers. Click here for more information.
Pre-purchase or pre-closing counseling covering the following:
1. Budget and credit counseling
2. Debt ratios
3. Mortgage qualifying
4. Loan comparisons

For more information or to get started, click here.
Our Home Buyer Seminar includes: pro/cons of homeownership, budget planning, record keeping, predatory lending, fair housing, mortgage qualifying, the role of the realtor and the home inspector. Call 215-348-8003 to learn more.

How we help prevent foreclosure:

Whether you can afford to stay in your home or not, our counselors will devise the best foreclosure prevention service based on your individual needs.

Bucks County Mortgage Foreclosure Diversion Program We help clients prepare for participation in the diversion program, a court-ordered conference between the homeowner and lender. The Court of Common Pleas requires homeowners to meet with a housing counselor prior to the conference date. Scheduling the conference shall stay all further action until at least 20 days following the conference. To learn more or to schedule an appointment call 215-348-8003.

Pennsylvania Foreclosure Prevention (Act 6) or (Act 91) Homeowners’ Emergency Mortgage Assistance Program (HEMAP) Thousands of Pennsylvania families in danger of losing their homes to foreclosure have received help from the Homeowners’ Emergency Mortgage Assistance Program.

Our counselors can help you:

• Receive a loan to help bring delinquent payments current
• Obtain payment assistance for up to 24 months
• Ensure that mortgage payments are made directly to lenders on the homeowner’s behalf.

Click here to learn more or call 215-348-8003 to schedule an appointment.

Loss Mitigation CCC, through the National Making Homes Affordable Programs and the National Foreclosure Mitigation Counseling, offers a variety of foreclosure prevention options. Click here to learn more.

Loan Modification Scam Identification
Did anyone offer to help modify your mortgage, either directly, through advertising, or by any other means such as a flyer? Were you guaranteed a loan modification or asked to pay a fee, sign a contract, redirect mortgage payments, sign over title to your property, or stop making loan payments?

To report suspected cases of Loan Modification Scam with the Loan Modification Scam Prevention Network: www.preventloanscams.org. Suspected cases of loan scams should be referred to the HUD Office of Inspector General (OIG) Hotline: Toll-free at 800-347-3735
Fax: 202-708-4829 Email:

We also offer Reverse Mortgage Counseling (Home Equity Conversion Mortgage) for seniors. To learn more, click here.

Learn about HOPE LoanPort®: the fastest way for counselors to connect to mortgage servicers – and get you the answers you need. Click for more information on how this organization is using HOPE LoanPort® to help families in your area: https://www.hopeloanportal.org/

Click HERE to download the Housing Counseling Brochure

Create a Systematic Spending Plan

Budget Worksheet