As a certified HUD housing counseling agency, CCCS of Northeastern Pa. Inc offers several mortgage counseling programs ranging from affordable Housing programs for first time homebuyers to mortgage delinquency counseling.
CCCS of Northeastern PA. Inc also 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. If you receive an ACT 91 from your mortgage lender, call (800) 922-9537 immediately to apply for the HEMAP program.
Keep an accurate record of your cash flow and expenses in order to stick to your plan.
No more than 25% of your monthly income should go towards installment debt – credit cards, loans, car payments, etc.
Deposit part of your income into a savings account to meet emergency expenses.
Refrain from using your credit to subsidize your income.
Know your priorites. Allot enough income for the essentials (shelter, utilities, food, medical, savings).