Keep Your Home Foreclosure Help From Neighborhood Housing Services in Reading
Keep Your Home is the foreclosure counseling program at Neighborhood Housing Services of Greater Berks, a HUD-approved housing counseling agency in Reading, for homeowners having trouble keeping up with their mortgage payments or who have received a notice from their lender asking them to make contact.
The U.S. Department of Housing and Urban Development funds free or very low cost housing counseling nationwide. Housing counselors can help you understand the law and your options, organize your finances and represent you in negotiations with your lender if you need that assistance. The page does not spell out an income limit or other eligibility rule for this program, and it does not say what, if anything, NHS charges for this counseling.
The advice the program gives is to act early. Do not ignore the problem, because the further behind you become, the harder it will be to reinstate your loan and the more likely you will lose your house. Contact your lender as soon as you realize you have a problem, and open and respond to all mail from your lender; the first notices offer information about foreclosure prevention options, and later mail may include notice of pending legal action. Find and read your loan documents so you know what your lender may do if you cannot make your payments, and learn the foreclosure laws and timeframes in your state by contacting the State Government Housing Office. Information about foreclosure prevention, also called loss mitigation, is on the HUD website, and the program also points to PHFA, NeighborWorks America, the Hope Hotline, Making Home Affordable and the Home Affordable Modification Program.
The program also gives money advice: after healthcare, keeping your house should be your priority, so review your finances for optional expenses such as cable TV, memberships and entertainment that you can cut, and delay payments on credit cards and other unsecured debt until you have paid your mortgage. Selling an asset such as a second car, jewelry or a whole life insurance policy, or another household member taking an extra job, can raise cash and shows your lender you are willing to make sacrifices to keep your home.
Two warnings the program makes clear. You do not need to pay fees for foreclosure prevention help; many for-profit companies charge a hefty fee, often two or three months' mortgage payment, for information and services your lender or a HUD-approved housing counselor will provide free. And if a firm claims it can stop your foreclosure immediately once you sign a document appointing it to act on your behalf, you may be signing over the title to your property and becoming a renter in your own home. Never sign a legal document without reading and understanding all the terms and getting professional advice from an attorney, a trusted real estate professional or a HUD-approved housing counselor.
To get started, get in touch with NHS. The office is at 210 North Fifth Street, Second Floor, Suite 201, Reading, PA 19601. The general-questions number is (610) 372-8433 and the email address is contactus@nhsgb.org. The page does not describe an appointment process or an online form for this program.
Hours of operation are Monday through Friday 8:00 AM to 5:00 PM and Saturday 8:00 AM to 12:00 PM, dropbox only. Sunday is closed, and the office is closed for a lunch break from 1:30 pm to 2:30 pm.
Source: nhsgb.org/keep-your-home, read November 4, 2026.
The details
In Neighborhood Housing Services of Greater Berks’s words
Are you having trouble keeping up with your mortgage payments? Have you received a notice from your lender asking you to contact them? Don’t ignore the letters from your lender Contact your lender immediately Contact a HUD-approved Housing Counseling Agency
Organization
Neighborhood Housing Services of Greater Berks
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This listing summarizes publicly available information from nhsgb.org/keep-your-home. Last recorded review: November 4, 2026. Contact the provider to confirm eligibility, hours and availability before you go. If something here is wrong, tell us.