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Homeownership Counseling

NeighborWorks Western Pennsylvania

Offering counseling and homebuyer education workshops. For more information, visit: https://www.neighborworkswpa.org/what-we-do/for-homebuyers/

Mortgage Lenders

Urban Redevelopment Authority of Pittsburgh (URA) 412 Boulevard of the Allies, Suite 901, Pittsburgh, PA 15219 412-255-6694 ext. 6721 | www.ura.org The URA offers 0% interest financing for eligible first-time homebuyers and for homeowners making home repairs and improvements. The URA also provides housing legal assistance and emergency assistance with rent, mortgage and utility payments. Interested participants must live within the City of Pittsburgh. Income limits apply.

SSB Bank

2470 California Ave., Pittsburgh PA 15212 www.ssbpgh.com | 412-482-9010

First National Bank

www.fnb-online.com

• 100 Federal Street, Pittsburgh, PA 15212 | 412-359-2627

• 490 E. North Ave. Pittsburgh, PA 15212. | 412-231-3500

• 3908 Perrysville Ave. Pittsburgh, PA 15212. | 412-231-3144

Chase Bank

540 E Ohio St, Pittsburgh, PA 15212 www.chase.com | 412-209-4527

Huntington Bank

600 E Ohio St, Pittsburgh, PA 15212

www.huntington.com | 412-231-4300

WesBanco Bank

www.wesbanco.com

1706 Lowrie St, Pittsburgh, PA 15212 | 412-231-8238

300 Brighton Rd, Pittsburgh, PA 15212 | 412-734-2675

Key Bank

1020 Western Ave, Pittsburgh, PA 15233 www.key.com | 412-321-0717

Citizens Bank

106 Isabella St Pittsburgh, PA 15212 www.citizensbank.com | 412-231-1840

Homebuying Assistance

URA-Housing Opportunity Fund’s Down Payment and Closing Cost Assistance Program (DPCCAP) DPCCAP provides financial assistance to first-time homebuyers in the City of Pittsburgh looking to purchase an existing house or newly constructed residential unit. For more information on borrow eligibility and property eligibility visit: https://www.ura.org/pages/down-paymentand- closing-cost-assistance-program/

NeighborWorks Western Pennsylvania

Offering down-payment and closing cost assistance loan programs for eligible first time homebuyers. For more information, visit: https://www.neighborworkswpa.org/homebuyerhelp/

Pennsylvania Housing Finance Agency (PHFA) PHFA offers home purchase assistance loans with lower fees and interest rates through first mortgage programs, including: HFA Preferred ™(Lo MI), Keystone Government Loan, or Keystone Home Loan. PHFA also offers funding for Home Improvements/Repairs, Refinancing, and other Home Purchase Assistance products. For housing related questions, call 855-U-Are-Home (827-3466) or visit www. phfa.org/

Federal Home Loan Bank of Pittsburgh (FHLB) – First Front Door (FFD)

FFD provides funds to help with down payment or closing costs for first time homebuyers. For every $1, FFD will provide $3, up to $5,000 maximum. Homebuyers must finance their first mortgage through a participating FFD provider in order to access FFD funds. Visit www. firstfrontdoor.com for information.

Housing Authority of the City of Pittsburgh (HACP) – Homeownership Program

The HACP Ownership program provides the following assistance for HACP/HCV recipients, or those families eligible to receive rental assistance:

• Must be a first-time homebuyer purchasing a home in the City of Pittsburgh.

• HACP will provide closing cost assistance up to $7,000 and soft second mortgage up to $52,000.

• The soft second mortgage is a forgivable mortgage with no monthly payment provisions and a term of only 10 years.

Those interested in HACP Homeownership can email: home.ownership@hacp.org

Homeowner Insurance

The Alling Agency

www.AllingAgencyllc.com Call or click for your free quote today! 412398-2222

Homeowner Assistance

Pennsylvania Housing Finance Agency Homeowners’ Emergency Mortgage Assistance Program (HEMAP) HEMAP is designed for those who, through no fault of their own, are unable to make their mortgage payments and are in danger of foreclosure. Depending on income and financial situation, homeowners may be eligible for: continuing mortgage assistance loans or non–continuing mortgage assistance loans. Contact ACTION-Housing, Garfield Jubilee Associates, Urban League Of Pittsburgh, or other PHFA approved agencies within 33 days of receiving an Act 91 Notice.

URA-Housing Opportunity Fund’s Home Accessibility Program for Independence (HAPI) HAPI is a grant program intended to assist eligible homeowners to construct accessibility modifications to their homes. Eligible homeowners may receive a grant from $1,000 up to $15,000 for a single unit home. More information and eligibility requirements at: https://www.ura.org/pages/home-accessibility-program-for-independence-hapi

ACTION Housing -Allegheny County Whole Home Repair Program to launch May 2023

• Whole Home Repair will help eligible residents in Allegheny County repair issues in their homes relating to safety and habitability issues such as roofs, windows, siding, foundations, and accessibility modifications.

• These services will be provided at no cost to the homeowner. Assistance is in the form of a grant, not as a zero interest or forgivable loan. Max amount of assistance available is $50,000 per home.

For more information visit: https://actionhousing. org/our-services/allegheny-county-whole-home-repair-program/

NeighborWorks Western Pennsylvania

Offering home improvement financing and debt consolidation with home equity loans. For more information, visit: https://www. neighborworkswpa.org/what-we-do/lending-products/my-life-home-equity-loan. html

Pennsylvania Homeowner Assistance Fund (PAHAF)

The American Rescue Plan Act of 2021 (Public Law No: 117-2), allocates funds to mitigate financial hardships associated with the Covid-19 pandemic. The purpose of the Homeowner Assistance Fund (HAF) is to prevent mortgage delinquencies and defaults, foreclosures, loss of utilities or home energy services, and displacement of homeowners experiencing financial hardship. PAHAF applications will reopen after an agency transition. For more information visit: https://pahaf.org/

Housing Legal Assistance

Neighborhood Legal Services Housing Legal help with homebuying situations like: Tangled titles (the owner of record is not the occupant of the home) or Rent-to-Own sales contracts versus a lease. For more information, visit https://www.nlsa.us/

URA-Housing Opportunity Fund’s Legal Assistance Program (LAP) LAP offers a variety of free housing legal services for eligible homeowners who live in the City of Pittsburgh, including Tangled Title and Foreclosure Prevention services.

For more info: https://www.ura.org/pages/housing-legal-assistance