Through individual counseling sessions, counselors work with homebuyers to determine what they can afford, review credit scores, determine how scores can be improved, discuss options for down payment assistance and explore pre-qualification for suitable loan programs.

Through home ownership counseling, counselors work with homebuyers to ensure their mortgage does not exceed more than 30% of their household income for affordability and long-term home ownership success.

Community Action Southwest receives a grant from the United Way of Washington County and Northwest Savings Bank to operate a portion of this program in addition to financial assistance from the Pennsylvania Housing Finance Agency.