Search for a Counseling Agency
Homeownership
Homebuyer Counseling and Education
PHFA offers homebuyers the opportunity to receive homebuyer counseling and education through one of its approved counseling agencies. To make an appointment, please use the search program below to locate a PHFA approved Homeownership Counseling Agency in your area. Choose the "Counseling Agencies for Homeownership" option in section 1 and follow the instructions for section 2.
PHFA requires borrowers with a FICO credit score lower than 660 to complete a course prior to closing on their loan. We strongly encourage you to seek the assistance of a counselor before you sign a sales agreement, especially if you are a first–time buyer. For problems getting access to a counseling agency; or, for more information, questions, or concerns regarding this list, contact Terri Redmond at 717.780.3907.
HEMAP (Homeowners' Emergency Mortgage Assistance Program)
Consumer Credit Counseling
If you have received an Act 91 Notice from your lender and would like to apply
for a Homeowners' Emergency Mortgage Assistance Loan, please use the search program below to locate a PHFA approved HEMAP Consumer Credit Counseling Agency in your area.
Choose the "Counseling Agencies for HEMAP" option in section 1 and follow the instructions for section 2. You must have a face-to-face meeting with one of these counseling
agencies within 33 days from the date of your Act 91 Notice in order to put
the foreclosure process on hold. For more information, questions, or concerns
about this list, contact Lori
Toia at 717.780.3945.
Counseling Agency Search Program
Instructions:
To locate a participating counseling agency in your area, please select the program type in section 1 and then select a county from either the dropdown box or map in section 2. For a complete list statewide, choose the program of interest from the following two links.
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