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YOUR GIFT CHANGES LIVES

PCCA services over 2,500 residents annually within all programs. Costs are free for individuals and families. Residents get access to counselors for services such as credit repair advice without feeling embarrassed.

Counselors provide affordability analysis, referrals to lenders, or access to potential grants for first time homebuyers. Counselors give guidance for residents through to settlement.

"Investing in Your Community, Your Family and Your Future"

PCCA Return on Investment
Broadening Our Reach

Step 1: Client Assessment

• Workshop Education and Individual Outreach to Clients in Need
• Intake
• Initial Client Assessment of Service Needs
• Financial Assessment
• Develop Case Management Plan

Step 2: Client Readiness

• Develop Partnership
• Prepare Goals
• Address Credit Challenges
• Grow Credit Scores
• Balance Cash Flow with Increased Savings

Step 3: Client Preparation

• Review Match with Neighborhood Transformation Initiatives
• Review Open Market
• Match Financial Profile with Lender Products
• Relay Purchasing Process and Hidden Costs to Homeowner
• Compare Housing Purchase Timeline with Personal Preparedness

Step 4: Clients Execution

• Prepare Lender Package
• Seek Pre-Mortgage Approval
• Prepare for House-Hunting

Step 5: Delivery

• Identify Dream Home
• Mortgage Approval
• Settlement Assistance
• Move in Day

STEP 6: Return Assessment

• Client Return: Transfer of capital generates personal wealth creation and family stability.
• Donor Return: Direct assistance to client in need.
• Community Return: Community wealth creation & Investment increase into neighborhoods.
• Economic Return: Investment is businesses and neighborhoods further increasing economic return

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"Homeownership expands opportunities to accumulate wealth, provides benefits for children of homeowners, and enhances local neighborhoods because owner-0ccupiers have a financial stake in the quality of the local community" (HUD) PCCA's predominant client base are families and individuals between the ages of twenty to thirty-four, of African American origin, and 75% female. Currently 43% of program services used by clients are for counseling and financial literacy while 57% or program services are used for post homeownership challenges. Public and private funding will continue to support PCCA efforts to reach 3,000 individuals and families on an annual basis and expand the following activities.

Enhance Counseling

The influence of poor credit, lack of wealth for down payments and closing costs, and the inability to pay off outstanding debt, often deter minorities and low income families from pursing homeownership. Public and private support will allow PCCA to...

• increase workshops and training sessions to assist clients to achieve financial repair
• hire additional bilingual counseling agents to increase client capacity
• help clients create savings plan for closing costs and initial down payment
• work to achieve ongoing savings plan for future needs post homeownership purchase

Expand Partnerhips

Connecting to support programs is critical in assisting clients with challenging needs. Often minorities and low income families require support services to get initial counseling costs underwritten or connect to programs that prevent foreclosure. PCCA works with many private and public fee for service agencies such as independent CDCs, private corporations, the U.S. Department of Housing and Urban Development, the Office of Housing and Community Development, Freddie Mac, the Pennsylvania Housing Authority, or the PA Housing Finance Agency. Public and private support will allow PCCA to...

• connect with new private fee for service partnerships
• hire an Associate Director to increase current base of fee for service support

Extend Capacity

The ability for clients to reach PCCA services requires our agency to extend our current capacity into additional regions. Providing availability to new locations will allow clients to receive services closer to resident locations. Public and private support will allow PCCA to...

• increase our three remote counseling sites by two additional sites based on demand

Increasing our Reach to another 70,000 Residents
We want to expand our services to all individuals and families who could use our housing programs. By developing partnerships with communities and increasing remote counseling locations, individuals and families gain access to the resources needed to achieve the American dream within their communities.

Maintaining Financial Responsibility
PCCA counsels residents through credit repair and homeownership programs to teach individuals financial responsibility and to achieve self-sufficiency. We practice what we teach through fund-raising efforts to allow individuals and families to receive services at no cost and to maintain our own financial responsibilities. PCCA will continue to promote these standards and expand efforts by increasing funds that directly support individuals, families and strengthen communities.

PCCA is proud to be a United Way Agency
United Way Donor Option No. 00096

PCCA is exempt from federal income tax under section 501 (c) (3) of the Internal Revenue Code

You can learn more about PCCA by reading our Fast Fact sheet.

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