The Credit Counseling Center is a Pennsylvania Housing Finance Agency (PHFA) approved agency in the Comprehensive Homeownership Initiative, HEMAP/Act 91 approved Agency. The Homeowners’ Emergency Mortgage Assistance Program prevents foreclosures in Pennsylvania. CCC is a HUD approved housing counseling agency.
Credit Counseling Center offers mortgage Loss Mitigation assistance in conjunction with the National Making Homes Affordable Program and the National Foreclosure Mitigation Counseling Program (NFMC).
Program Mission:
Through professional counseling families will review the advantages of homeownership, budget planning and credit repair, loan comparison report, homeowners assessment tool and review. We will discuss qualifying for a mortgage, fair housing issues, beginning of the purchase process, and the role of the realtor.
Housing Programs:
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 do any of the following: pay a fee, sign a contract, redirect mortgage payments, sign over title to your property, or stop making loan payments?
Loan Modification Scam Reporting:
To report suspected cases of Loan Modification Scam with the Loan Modification Scam Prevention Network: www.preventloanscams.org. Additionally, 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:
Foreclosure Prevention – National Making Homes Affordable Programs and the National Foreclosure Mitigation Counseling. Click here.
Pre-Purchase Counseling – provides budget/credit counseling, debt ratios, mortgage qualifying, and loan comparisons. Click here.
Pre-Closing Counseling – provides budget counseling, homeownership responsibilities, and closing preparations. Click here.
Homeowners Counseling – $10,000 in Funding Available for Closing Cost Assistance. Click here.
Home Buyer Seminar agenda includes: pro/cons of homeownership, budget planning, record keeping, predatory lending, fair housing, mortgage qualifying, the role of the realtor and the home inspector.
Reverse Mortgage Counseling (Home Equity Conversion Mortgage) – for seniors.
Click here.
Learn about HOPE LoanPort®: the fastest way for counselors to connect to mortgage servicers – and get you the answers you need. For information on how this organization is using HOPE LoanPort® to help families in your area, please Click here housing programs
