Anna and Nicholas Fiocca own a home in South Philadelphia and had always been able to afford their mortgage payments. Anna’s job of 30 years plus Nicholas’ monthly social security covered most of the couple’s expenses. When Anna was laid off, the Fioccas financial situation changed abruptly and they were soon unable to pay their mortgage.
Anna was unable to find other work despite her daily efforts, and the small pension she received from her former employer was not enough to cover the couple’s monthly housing expenses.
When they came to Intercultural for assistance, the Fioccas met with housing counselor Mary Campbell, who guided them through the foreclosure prevention and loan modification process. Ms. Campbell helped them complete a “Making Homes Affordable” package, which they then submitted to the mortgage company for approval. The Fioccas were approved for a loan modification which reduced their monthly mortgage payments by $400+ per month and substantially lowered their interest rate.
With a steady job as a unit secretary in a hospital emergency room, and a roommate to help pay the rent, Gwen Smith did not think she would have to worry about meeting her monthly rent payments. However, when her roommate moved out, the 3 bedroom unit she lived in with her 15-year old daughter became too much for her to handle, and she fell behind in her rent. Gwen soon faced eviction, and had to seek help. She was referred to the ?Homelessness Prevention Program or Housing Counseling Program (HCP)? at Intercultural, and was assigned a housing case manager who determined her eligibility for rental assistance. Gwen’s application was processed quickly, and she received the support she needed to stay in her home.
For now, Gwen is managing, and working hard to make ends meet. One day, she would like to own her own home, and has enrolled in one of Intercultural’s First Time Homebuyer Workshops to learn how she can improve her financial situation for a future home purchase. Commenting on the assistance she received, Gwen remains grateful and stated “it was a blessing, and kept me from being evicted”. To others she offers this advice “Don’t get discouraged, there are things you can do for yourself, and organizations (like Intercultural) to help you”.