Preventing homelessness can be achieved by supporting homeowners as they face the challenges of homeownership—including avoiding foreclosure—and by preparing prospective homeowners to meet those challenges. Philadelphia has long supported housing counseling to achieve those goals. Housing counselors serve as advocates for homeowners facing foreclosure and negotiating with lenders; assist with credit repair; serve specialized populations such as tenants, people with disabilities and senior citizens; and prepare potential homeowners to be ready for the responsibility of homeownership.
What types of services are provided?
Professionally trained housing counselors at each agency conduct free group and individual counseling sessions on topics such as:
- Mortgage foreclosure prevention
- Personal credit repair and credit maintenance
- Money management through budgeting
- Rights and responsibilities of homeowners
- The mortgage application and purchase process
- Financial assistance programs
- Home repair
- Real estate tax issues
- Fair housing rights
- Tenant/landlord issues
Who is eligible?
To be eligible for free housing counseling, you must live in Philadelphia. There are no income requirements for housing counseling services.
How do I apply?
Contact one of the DHCD-funded housing counseling agencies.