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First Time Home Buyer Classes in Philadelphia

Homebuyer counselingThe Pennsylvania Housing Finance Agency (PHFA) requires prospective home buyers to complete an "in-person" pre-purchase home buying course with a middle credit score lower than 680 at a counseling agency prior to closing on their loan. Most people have three credit scores, one from the Equifax company, one from Transunion and one from Experian.

The cost of the pre-purchase course is free of charge and is paid for by PHFA, with the exception of the credit report fee that may be charged by the counseling agency.

What you will learn

The class will help you prepare for homeownership. Councilors will take the mystery out of purchasing a house and will guide you through the home buying process.


Are you ready to buy a home?

Some people find it easier to just pay the monthly rent each month, but what do you have at the end of the year? Cancelled rent checks. Homeownership responsibilities are discussed.

Is your credit history and credit score acceptable to a lender?

If not, the home buying councilors will help you improve your credit rating.

For some people, applying for a mortgage is intimidating. The course explains the lender's paperwork requirements.

Do you know about the Pennsylvania Housing Finance Agency?

PA state flagThe Pennsylvania Housing Finance Agency (PHFA) provides below market financing for Pennsylvania home buyers. Here are some of the available loan programs:

Keystone Government Loan Program

The Keystone Government Loan Program covers the FHA, VA and USDA loan programs. Applicants do not have to be first time home buyers with the Keystone Government Loan Program. This program can be used in conjunction with the Keystone Assistance Program
Learn more about the Keystone Government Loan program

Keystone Home Loan Program

There are income and sales price limits with the Keystone Home Loan Program, but the limits are very generous. Applicants must be first time home buyers, but there are county exceptions. The Keystone Home Loan Program is a good program for home buyers who have a 10% down payment or greater.
Learn more about the Keystone Home Loan program

Keystone Assistance Program

Could you use a zero percent loan for the down payment or closing costs? If so, then you want the Keystone Assistance Program. PHFA will loan up to $6,000 to eligible home buyers.
Learn more about the Keystone Assistance Program

Affordable Housing Centers of PA
215.765.1221
846 N Broad St
Philadelphia PA 19130
Remote Counseling Available PHFA Pre-Closing Partner & HUD Approved

The Affordable Housing Centers of PA offers credit counseling and education, asset building strategies. The Affordable Housing Centers of PA can refer you to lenders with favorable loan terms for first-time buyers & available grant programs.

American Angel Housing Counseling
1515 Market St; Suite 1200
Philadelphia PA 19102
610.733.2985
PHFA Pre-Closing Partner
Appt. Only

The American Angel Housing Counseling can help you purchase a new home and can help you rebuild a poor credit history. American Angel Housing Counseling can also work with you if you are facing Foreclosure/ACT 91, bankruptcy and loan modification

American Angel Housing Counseling
Two Bala Plaza; Suite 300
Bala Cynwyd PA 19004
610.733.2985
PHFA Pre-Closing Partner
Appt. Only

American Credit Counseling Institute
586 W Street Rd
Warminster PA 18974
888.212.6741
PHFA Pre-Closing Partner
HUD Approved

American Credit Counseling Institute provides home buyer counseling, foreclosure and bankruptcy support. Do you have bad credit that prevents you from obtaining a mortgage? American Credit Counseling Institute

American Credit Counseling Institute
6800 Market St; 1st Floor
Upper Darby PA 19082
888.212.6741
PHFA Pre-Closing Partner
HUD Approved

Clarifi
770 E Market St; Suite 190
West Chester PA 19382 800.989.2227
PHFA Pre-Closing Partner

Clarifi can help reduce debt, improve your credit (and credit score), and help you a void foreclosure

Clarifi
280 N Providence Rd; Suite 7
Media PA 19063
800.989.2227
PHFA Pre-Closing Partner
HUD Approved

Clarifi
100 Levittown Pky; 2nd Floor Levittown PA 19054 800.989.2227
PHFA Pre-Closing Partner

Clarifi
101 Greenwood Ave; Suite 340
Jenkintown PA
19046
800.989.2227
PHFA Pre-Closing Partner
HUD Approved

Clarifi
7340 Jackson St
Philadelphia PA 19136
800.989.2227
PHFA Pre-Closing Partner
HUD Approved

Clarifi
1608 Walnut St; 10th Floor
Philadelphia PA 19103
800.989.2227
PHFA Pre-Closing Partner
HUD Approved

Deliverance Community Development Corp
2001 W Lehigh Ave
Philadelphia PA 19132
215.391.4182

Diversified Community Services - Dixon House
1920 S 20th St
Philadelphia PA 19145
215.336.3511
PHFA Pre-Closing Partner HUD Approved

Esperanza
4261 N 5th St
Philadelphia PA 19140
215.324.0746
PHFA Pre-Closing Partner HUD Approved

Esperanza is a faith-based nonprofit organization driven by the biblical mandate to “serve the least of these.” We strengthen Hispanic communities through education, economic development, and advocacy.

Genesis Housing Corp
1430 DeKalb St; Suite 2020
Norristown PA 19401
610.275.4357
PHFA Pre-Closing Partner
HUD Approved

Genesis Housing Corporation rehabilitates vacant and owner occupied properties to assist lower income families and promote neighborhood revitalization. The Housing Counseling Program provides free classes and individual counseling to first-time homebuyers and homeowners.

Grace Neighborhood Development Corp
5221 Oxford Ave
Philadelphia PA 19124
PHFA Pre-Closing Partner HUD Approved

Greater Philadelphia Asian Social Service Center
4943 N 5th St
Philadelphia PA 19120
215.456.1662
PHFA Pre-Closing Partner HUD Approved

The Greater Philadelphia Asian Social Service Center offers pre-purchase education to help prospective home buyers through the entire homeownership process.

The pre-purchase course discusses the home buying process (including discussion on the role of the buyer/seller and the various professionals involved), questions to assess readiness to buy, understanding credit, preparing for home purchase, mortgage financing, tax relief programs, predatory lending and fair housing issues.

Media Fellowship House
302 S Jackson St
Media PA 19063
610.565.0434
PHFA Pre-Closing Partner
HUD Approved

Mt. Airy USA
215.844.6021
6703 Germantown Ave
Philadelphia PA 19119
PHFA Pre-Closing Partner
HUD Approved

New Kensington Community Development Corp
2515 Frankford Ave
Philadelphia PA 19125
215.427.0350
PHFA Pre-Closing Partner HUD Approved
Appt. Only

Norris Square Community Alliance
174 Diamond St
Philadelphia PA 19122
215.426.8723
PHFA Pre-Closing Partner
HUD Approved

Northwest Counseling Services, Inc.
6521 N Broad St
Philadelphia PA 19126
215.324.7500
PHFA Pre-Closing Partner
HUD Approved

Philadelphia Chinatown Development Corporation
301 N 9th St
Philadelphia PA 19107
Hud Approved
Asociación Puertorriqueños en Marcha, Inc. (APM)
267.296.7200
1900 N 9th St Philadelphia PA 19122
PHFA Pre-Closing Partner & HUD Approved

Asociación Puertorriqueños en Marcha, Inc. (APM)
600 W Diamond St
Philadelphia PA 19122
215.235.6070
PHFA Pre-Closing Partner & HUD Approved

CEIBA
147 W Susquehanna Ave
Philadelphia PA 19122
215.634.7245
PHFA Pre-Closing Partner

Center in the Park
5818 Germantown Ave
Philadelphia PA 19144
215.848.7722
HUD Approved

Clarifi
1410 W Erie Ave; Office 122
Philadelphia PA 19140
800.989.2227
PHFA Pre-Closing Partner
HUD Approved

CONGRESO
216 W Somerset St
Philadelphia PA 19133
215.763.8870
PHFA Pre-Closing Partner
HUD Approved

Credit Counseling Center
208 Levittown Pky
Levittown PA 19054
215.348.8003
PHFA Pre-Closing Partner
HUD Approved

Credit Counseling Center
11 Weldon Dr; Suite 200
Doylestown PA 18901
215.348.8003
PHFA Pre-Closing Partner
HUD Approved

Credit Counseling Center
832 Second Street Pk
Richboro PA 18954
877.900.4222
PHFA Pre-Closing Partner
HUD Approved

CONGRESO
2800 American St
Philadelphia PA 19133
215.763.8870
PHFA Pre-Closing Partner HUD Approved
Council of Spanish Speaking Organization

(CONCILIO)
141 E Hunting Park Ave
Philadelphia PA 19124
215.627.3100
PHFA Pre-Closing Partner HUD Approved
Appt. Only

Hispanic Association of Contractors & Enterprise (HACE)
167 W Allegheny Ave
Philadelphia PA 19140
215.426.8025
PHFA Pre-Closing Partner HUD Approved

Intercultural Family Services, Inc.
4225 Chestnut St
Philadelphia PA 19104
215.386.1298
PHFA Pre-Closing Partner
HUD Approved

Liberty Resources
112 N 8th St; Suite 600
Philadelphia PA 19107
215.634.2000
HUD Approved
Hispanic Association of Contractors &

Enterprise (HACE)
4907 Frankford Ave
Philadelphia PA 19124
215.437.7867
PHFA Pre-Closing Partner HUD Approved

Intercultural Family Services, Inc.
2317 South 23rd Street
Philadelphia PA 19145
215.386.1298
PHFA Pre-Closing Partner HUD Approved

Korean Community Development Services Center
6055 N 5th St
Philadelphia PA 19120
215.276.8830
PHFA Pre-Closing Partner HUD Approved

Philadelphia Council for Community Advancement
2100 Arch St; 2nd
Philadelphia PA 19103
215.567.7803
PHFA Pre-Closing Partner
HUD Approved

Philadelphia Council for Community Advancement
215.567.7803 5218 Master St Philadelphia PA 19131 PHFA Pre-Closing Partner
HUD Approved

Southwest Community Development Corp
6328 Paschall Ave
Philadelphia PA 19142
215.729.0800
PHFA Pre-Closing Partner HUD Approved

Unemployment Information Center
112 N Broad St; 11th Floor
Philadelphia PA 19102
215.557.0822 ext. 100
HUD Approved

United Communities Southeast Philadelphia
2029 S 8th St
Philadelphia PA 19148
215.468.1645
HUD Approved

Urban League of Philadelphia
121 S Broad St; 10th Floor
Philadelphia PA 19107
215.985.3220 ext. 201
HUD Approved

West Oak Lane Community Development Corporation
2502 W Cheltenham Ave
Philadelphia PA 19150
215.224.8339
PHFA Pre-Closing Partner HUD Approved