Housing Counseling

Through our Comprehensive Housing Counseling Program, expert, non-proprietary professional counseling is provided to help individuals and families learn about financial capabilities and gain access to county, state, and federal financial and housing programs, community resources and funding. Counseling is available regardless of eligibility for income-based programs, though services are specifically targeted to low-to-moderate income households (individuals and families) in Bucks County. Counseling and workshops are available for topics such as budgeting and credit, renting, first time homebuying and homeowning, and foreclosure prevention.

Learn More About Our Housing Counseling Services:

Click below to view the Participation Criteria for the Bucks County First Time Homebuyer Program.

  1. Complete BCHG Intake Application here
  2. Look for an email from our intake department with a form to complete via DocuSign and other instructions
  3. Receive, sign, and return all necessary forms
  4. Receive an invitation to, and attend, the first group webinar

BCHG offers a series of free webinars for first time homebuyers. Webinars introduce credit requirements, the homebuying & lending processes, and a review of various assistance programs to potential buyers. After participating, our clients will have a better understanding of the steps in the purchase process, the costs involved, and affordability vs. sustainability. After attending one or more group sessions, potential buyers can continue with our program by scheduling an intake appointment, and later an individual counseling session, to apply what they have learned to their unique situation. They will work with their counselor to develop an action plan, and a timeline for purchasing.

To attend please send an email to kmalloy@bchg.org with the property address, purchase price, and settlement date. If we have sufficient time to process a request you will receive an email with the registration link for the free webinar outlining participation in the county program, copies of the slides and other resources. You will also be required to attend the online education course through Framework. The fee for this course will be reimbursed to you when settlement using the county program is complete.

For a nominal fee you may also complete your counseling totally online and print your own counseling certificate. The eHomeAmerica and Framework online options are homebuyer education courses, but they are not one-on-one housing counseling. You MUST check with your lender to confirm that this type of counseling is acceptable, and which provider. If your lender or program, such as the FHA Back to Work Program, requires you to complete in person housing counseling you will need to schedule a one-on-one session. (Please note: this option MAY NOT be used when applying for the Bucks County First Time Homebuyer program.) Both online providers offer counseling in English and Spanish. If following the online counseling you still have questions regarding any portion of the program, credit, budgeting, or the home buying process, we will be happy to schedule an in-person consultation at no additional charge.

Click here to navigate to Framework’s website.

If you have received an Act 91 notice do not delay in getting the help you need. In order to put the foreclosure process on hold, you must have a face-to-face meeting with a counseling agency within 33 days from the date of your Act 91 Notice. We recommend contacting several agencies to see who can see you first. Local agencies providing counseling include Bucks County Housing Group (BCHG) and the three agencies listed below.

BCHG offers counseling services for foreclosure intervention programs including the Pennsylvania Homeowners Assistance Fund (PAHAF), the Homeowner’s Emergency Mortgage Assistance Program (HEMAP), and the Bucks County Mortgage Foreclosure Diversion Program. Information is provided through both anonymous group webinars and individual counseling. Appointments for individual counseling may be in person or via Zoom. The counselor will work with you and your lender to determine eligibility for modifications, assistance programs, or other foreclosure prevention options. BCHG also provides assistance with the Bucks County Mortgage Foreclosure Diversion Program, including preparation for, and attendance at, the conference.

To begin counseling with BCHG, complete our online intake application here. You will be contacted to set up an intake and arrange for counseling. If you need assistance completing the intake application, contact intake@bchg.org

Still not sure whether counseling is right for you? Check out what others had to say about our program!