ICCAP Services and Programs

Home Equity Conversion Mortgage Demonstration

The Home Equity Conversion Mortgage Demonstration is a loan program for persons 62 years of age and older who own their home. Also known as a “reverse mortgage”, a borrower can convert the equity in their home to cash. The maximum principal limit of the loan is based on the borrower’s age and the appraised value of the property. A borrower can receive the payments in a lump sum or in monthly installments. The reverse mortgage does not have to be repaid until the home is no longer owner-occupied.

Homeowners' Emergency Mortgage Assistance Program (HEMAP) and HEMAP ARRA

The Homeowners' Emergency Mortgage Assistance Program (HEMAP) is an emergency loan program for homeowners who are 60 days behind on their mortgage payments and are facing foreclosure due to uncontrollable circumstances. The Homeowner must have received an ACT 91 (or Act 160) notice. Service areas include Indiana, Clearfield, Westmoreland, Jefferson, Armstrong, and Cambria Counties. The Homeowners' Emergency Mortgage Assistance Program (HEMAP)ARRA is an emergency loan program for homeowners who are not more than 90 days behind on their current mortgage. ICCAP can assist homeowner’s before they receive a notice of foreclosure. To be eligible for this service, clients must be below 200% of federal poverty guidelines and meet other requirements. Call the ICCAP office for more information.

Housing Assistance Program

The Housing Assistance Program provides temporary financial help by paying rent and/or security deposits for those who are homeless or nearly homeless.

Housing Counseling Program

Helps people locate and keep safe and affordable housing; works with landlords and tenants to resolve problems. ICCAP's Housing Counselor is Indiana County's designated Fair Housing Officer and can offer information on tenant rights and discrimination laws. The program can also provide budgeting and life skills education to help cut expenses, stretch income and devise a money management plan.

ICCAP Rental Properties

ICCAP offers affordable permanent housing to eligible low-income families and individuals. There are ten one-bedroom units, eight two-bedroom units, and one three-bedroom unit that offer comfortable living at affordable rent.

PA Housing Finance Agency PHFA Counseling Network

Home buyer educational seminars for pre-purchase and pre-approved borrowers in the PHFA Keystone Home Loan and Keystone Home Loan Plus Programs.

Pathway Homeless Shelter

The Pathway Homeless Shelter provides temporary emergency shelter and support services for families or individuals who have nowhere to sleep at night. Please call 724-248-9555 to check on space availablility and complete the referral process.

PenCAP Program

Income eligible FirstEnergy/Penelec customers may contact the ICCAP office to arrange electric payments based on a percentage of their gross monthly income. This program can greatly reduce the cost of monthly electric bills.

Penelec Warm III Program

The Penelec Warm II Program provides eligible Penelec customers with installed hot water tank wraps, low-flow shower heads and other energy conservation measures, depending on electric consumption.

Project LIGHT

Assists homeless individuals and family members achieve housing stability. The project provides assistance by leasing ten rental units, providing case management, budgeting and temporary transportation to participants.