As a certified HUD housing counseling agency, CCCS offer several mortgage counseling programs ranging from affordable Housing programs for first time homebuyers to mortgage delinquency counseling.
CCCS processes applications for the Pennsylvania Housing Finance Agency’s Homeowners Emergency Mortgage Assistance Program (HEMAP). Homeowners must be referred to HEMAP by their mortgage lender.
Look for ways of saving money on expenses and eliminating non-essential expenses (entertainment, cable, cigarettes, shopping).
Spending limits must be realistic
Refrain from using your credit to subsidize your income.
Keep an accurate record of your cash flow and expenses in order to stick to your plan.
Make the budget a family project. Everyone must be involved in order for it to work.