Housing Services Keeping Your Home

Keeping Your Home

Whether you own or rent, NKCDC Housing Advisors are available by phone and online—and they’re free!

We’re here to help!

  • Rent. The City of Philadelphia is now accepting applications for Phase 2 of its rental assistance. If you applied for Phase 1 in May, you can still apply for Phase 2 now—even if you got money before, or if you were ineligible before, because Phase 2 has different guidelines. Go to phlrentassist.org/phase-2.

  • Mortgage. Governor Wolf has extended an executive order to protect Pennsylvanians from foreclosures or evictions through August 31. If you are at risk of falling behind in mortgage payments due to loss of income from COVID-19, please request a housing appointment here.
  • Utilities. A new LIHEAP program opened May 18. Households that are behind on their utility bills may be able to get grants of up to $800. Unlike regular LIHEAP Crisis grants, many households will be eligible with just a past due bill and do not need to have a shutoff notice. Call NKCDC at 215-427-0350 x114.

  • Emergency cash. The new Emergency Assistance Program is for families with children who were working and experienced the loss of a job or income. Families whose income is below 150 percent of the federal poverty level—about $2,700 a month for a family of three—are eligible. Residents can apply online. Applications will be accepted through June 12, or until all funds are expended.

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Home Repair

Let NKCDC connect you to free home repair or low-interest loan programs, and help you make your house more energy efficient at the same time. NKCDC will help you figure out how much home repair you can afford, and describe how to work with contractors.

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Are you having trouble paying your mortgage? Have you received a Notice of Intent to Foreclose, an Act 91 Notice, a notice from a bank attorney, or a notice from the court? Let NKCDC assist you so that you have a better chance of staying in your home. NKCDC will:

  • Explain all options available for you to remain in your home and answer all your questions. 
  • Review your eligibility for mortgage programs. 
  • Create a financial packet which will be sent to the lender, their attorney and the Pennsylvania Housing Finance Agency (as applicable). 
  • Create an application for mortgage assistance.
  • Negotiate on your behalf with the mortgage company.
  • Accompany you to court if needed.

Request an Appointment


Property Tax

Are you falling behind on real estate taxes? Did you receive a Rule Returnable Hearing Notice for taxes that are past due? NKCDC can help you: 

  • Develop a realistic spending plan.
  • Prepare applications to the Department of Revenue or City Law Department so that you can get an affordable payment plan for the overdue taxes.
  • Figure out if you qualify for programs to help you reduce your expenses. 

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Sheriff Sale

Did you receive a Sheriff Sale Notice? NKCDC will help you prepare a petition to postpone the sheriff sale, and, when possible, accompany you to the hearing date. 

Whether the foreclosure is mortgage or tax-related, we can prepare the required documents to submit to the correct attorneys to help you retain ownership. We will help you create a realistic savings plan to help you meet your goals. And we’ll figure out whether you qualify for assistance programs to reduce your expenses.

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Does your home have the deed in your name? If so, you may qualify for special programs, like free or low-cost home repair. If not, NKCDC can walk you through the probate process—which is the first step to getting the deed in your name—and can refer you to other agencies to prepare and record your deed.

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Services for Renters & Homeowners

Tax & Rent Rebates

If you’re a Pennsylvania home owner or renter who paid property tax or rent last year, you may be able to get part of that money back. You must belong to at least one of the following groups:

  • Age 65 or older
  • A widow or widower, age 50 to 64
  • Permanently disabled, age 18 to 64
  • A spouse or representative of someone in one of the above groups

Energy & Utilities

Get the savings and discounts you deserve. NKCDC will help you apply for LIHEAP, emergency energy assistance, and budget billing programs for PECO, PGW and the Water Department—and give you advice on how to reduce your energy costs. 


Get tips and supplies to keep your house comfortable and save money on your energy bills. Get help applying for free weatherization and energy efficiency improvements to your home, from the City of Philadelphia or Energy Coordinating Agency.

Renters & Homeowners

Disaster Relief

No one asks for a disaster. But there are steps you can take to prepare for an emergency, and steps to help you recover afterward. 

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Request a Housing Appointment

Schedule free, personal assistance with one of our certified housing advisors, by phone or online!

Request an Appointment