Mission Statement

•  Our Mission...

Housing Opportunities, Inc. (HOI) helps low- and moderate-income individuals and families achieve and maintain affordable homeownership.

•  Who We Are...

Since our inception in 1975, we have worked to address the specific barriers that have hindered economic stability and independence for those living in distressed communities. We provide the needed individualized comprehensive housing counseling and education, access to community resources, and discounted mortgage loans that are both flexible and affordable. Our mortgage loans are tailored to meet each family’s financial circumstances that will ensure affordable mortgage loans and successful long-term homeownership. Moreover, our loans are designed for our target population whose income is 80% or less of the median income range as described by the Department of Housing and Urban Development. In addition, we have partnerships with several local lenders who provide primary mortgage loans at discounted interest rates.

•   Annual Objectives...

Notwithstanding our successful 29 year track record of accomplishments, the need for affordable housing remains great for under-resourced families and communities in the Pittsburgh region and surrounding communities. Many of our families have multiple problems that prevent them from obtaining homeownership. Some have excessive debt, credit problems, or little knowledge of basic home maintenance. In addition, we provide housing counseling and referral resources to families who are behind in their mortgage payments.

HOI addresses these problems with the following annual objectives:

· To help under-resourced families secure and maintain homeownership in the Pittsburgh region and surrounding communities.
· To offer first-time homebuyers educational services on homeownership and money management.
· To promote homeownership counseling and discounted financing for economically and credit-challenged families who are unable to secure prime rate mortgages on their own.
· To provide comprehensive counseling services to families who are facing foreclosure on their home. In addition to mortgage default counseling, we provide additional community resource referrals to assist family needs.