Save Your Home. Stabilize Your Future.
If you are behind on your mortgage payments or worried about losing your home, you are not alone—and there are solutions available. At WAVE (Willissae’s Agency for Vision & Empowerment), our certified housing counselors work directly with homeowners to help them understand their options, stabilize their finances, and prevent foreclosure whenever possible.
Our Foreclosure Prevention Counseling Program, combined with Pennsylvania’s Save Your Home Program, is designed to help families recover from financial setbacks and remain safely in their homes.
What Is Foreclosure Prevention Counseling?
Foreclosure prevention counseling provides professional guidance and advocacy for homeowners who are behind on their mortgage or at risk of foreclosure. Our HUD and PHFA-certified counselors will review your financial situation, work with your lender, and help you explore options that may allow you to keep your home.
Our goal is simple:
Help you stay in your home whenever possible while creating a long-term financial plan for stability.
What Is Foreclosure Prevention Counseling?
Foreclosure prevention counseling provides professional guidance and advocacy for homeowners who are behind on their mortgage or at risk of foreclosure. Our HUD and PHFA-certified counselors will review your financial situation, work with your lender, and help you explore options that may allow you to keep your home.
Our goal is simple:
Help you stay in your home whenever possible while creating a long-term financial plan for stability.
The Save Your Home Program
The Save Your Home Program is a statewide initiative designed to help homeowners who have fallen behind due to financial hardship. Through this program, eligible homeowners may receive assistance to address past-due mortgage payments and stabilize their housing situation.
WAVE partners with community organizations and housing agencies to provide the required counseling, financial planning, and case management that supports families participating in the Save Your Home program.
Our counselors help you:
- Understand program eligibility
- Prepare required documentation
- Develop a workable household budget
- Communicate with lenders and servicers
- Identify sustainable solutions to avoid foreclosure
How WAVE Helps Homeowners
When you enroll in our Foreclosure Prevention program, you will receive personalized one-on-one support from trained housing counselors.
Services may include:
Mortgage Delinquency Counseling
Review of your mortgage status and foreclosure timeline.
Budget and Financial Analysis
Development of a realistic household budget to stabilize finances.
Loan Modification Support
Guidance through modification, repayment plans, or forbearance options.
Lender Communication & Advocacy
Our counselors can help communicate with your mortgage servicer to explore available solutions.
Credit & Financial Coaching
Support to improve credit and strengthen financial decision-making.
Long-Term Housing Stability Planning
If keeping the home is not possible, we help explore responsible exit strategies that protect your financial future.
Who Should Apply?
You may benefit from this program if you are:
- Behind on mortgage payments
- Facing foreclosure or legal notices
- Struggling due to job loss, illness, or reduced income
- Overwhelmed by mortgage debt
- Looking for guidance on options to keep your home
Even if you are unsure about your situation, speaking with a housing counselor early can significantly increase your chances of finding a solution.
Why Choose WAVE?
WAVE is a HUD and PHFA certified housing counseling agency serving families throughout Allegheny County and surrounding communities. Our counselors specialize in helping homeowners navigate difficult financial situations while maintaining dignity, stability, and long-term success.
Our approach includes:
- ✔ Certified Housing Counselors
- ✔ Confidential One-on-One Counseling
- ✔ Budget and Credit Coaching
- ✔ Advocacy with Mortgage Servicers
- ✔ Access to State and Local Housing Resources
At WAVE, we believe that housing stability is the foundation for strong families and strong communities.
Take the First Step Today
If you are worried about foreclosure or falling behind on your mortgage, do not wait. The sooner you seek help, the more options may be available to you.
Schedule a Foreclosure Prevention Counseling Appointment today.
📞 Call: 412-573-9217
🌐 Schedule Online: [Insert Scheduling Link]
📍 Serving Allegheny County and surrounding communities
WAVE – A New Wave of Life
Helping families stabilize housing, build financial strength, and create lasting opportunities.