PAH Programs

The Partnership for Affordable Housing (PAH) seeks to ensure access to safe and affordable housing through advocacy, education, and the development of housing resources in an ever-changing market. Our programs are designed to give individuals and families with limited financial resources the tools they need to find a home in Jefferson County. All PAH programs are available in Spanish. Todos los programas están disponibles en Español.


• Homebuyer Education Classes, also in Spanish
• Homebuyer Education Seminars
Homebuying 101

logobullet Partnership for Affordable Housing, Jefferson County, WV (PAHWV)

312 S. Mildred Street, Ranson WV 25438
Office hours: Mornings, by appointment
Phone: 304-725-6189

image pencil and paper• Homebuyer Education Classes: Homebuyer education is required for some USDA, WVHDF mortgage loans and for homebuyer assistance programs. The class is also available to members of the general public interested in learning about the homebuying process and what to know before buying a home. Topics covered include: Are you ready to buy a home?; Managing your Money; Understanding Credit; Obtaining a Mortgage Loan; Shopping for a Home; and Protecting your Investment.

Classes are on the third Saturday of every month from 9:00 am to 4:00 pm (a half-hour for lunch) at the Jefferson County Community Ministries conference room, 238 W. Washington Street, Charles Town, WV. The cost is $25 per person or couple. Classes for groups of four or more at other dates and times and in Spanish can be arranged by special request. Registration is required. (Class date is subject to change to meet minimum attendance requirement.)

Classes in Spanish: A special Homebuyer Education Class in Spanish can be scheduled, and One-on-one Credit Counseling in Spanish is available, by appointment. More en Español.

Homebuyer Education Seminars through Jefferson County Schools Adult and Community Education (304-728-9237):

“Understanding Credit and the Homebuying Process”
Are you unsure how to go about purchasing a home? Choose one of these one-night classes to learn how to increase your credit scores and establish or fix your credit. The steps in the homebuying process will be explained. These classes are free of charge as a service from Partnership for Affordable Housing.


Please note: The same information will be presented in each class. Registration is required one week prior to the class. Register by phone 304-728-9224 or in person at 100 Mordington Avenue, Charles Town.

Classes are taught by Rosa Eggleton. Ms. Eggleton is certified as a Housing Counselor in Pre-Purchase Homeownership Education (Homebuyer Education).

Homebuying 101
Buying a home is a complex process, so it pays to understand the basics before you start. The PAH Homebuying 101 series covers the most important things you need to know about buying a home, from getting your documents in order to costs, contracts, and closing.

Credit Counseling

Partnership for Affordable Housing, Jefferson County, WV (PAHWV)
Consumer Credit Counseling Service (CCCS) of Greater Washington

logobullet Partnership for Affordable Housing, Jefferson County, WV (PAHWV)

312 S. Mildred Street, Ranson WV 25438
Office hours: Mornings, by appointment
Phone: 304-725-6189

ONE-ON-ONE CREDIT COUNSELING: By appointment only; also available in Spanish. Contact Rosa Eggleton ( or 304-707-2539). There is no charge for credit counseling.

logobullet Consumer Credit Counseling Service (CCCS) of Greater Washington, a Division of Money Management International (MMI)

1003 W. 7th Street, Suite 404; Fredrick, Maryland 21701
Phone: 301-695-0369, 800-747-4222; fax 301-695-4878

CCCS Services:

  • Fair Housing Assistance
  • Home Equity Conversion Mortgage Counseling
  • Homebuyer Education Programs
  • Loss Mitigation
  • Marketing and Outreach Initiatives
  • Money Debt Management
  • Mortgage Delinquency and Default Resolution Counseling
  • Postpurchase Counseling
  • Predatory Lending
  • Pre-purchase Counseling
  • Renters Assistance
  • Services for Homeless


PAH Homebuyer Assistance Program (HAP)
The HAC News

logobullet PAH Homebuyer Assistance Program (HAP)

The PAH Homebuyer Assistance Program (HAP) provides eligible first-time homebuyers in Jefferson County with a deferred no-interest loan for down payment and closing costs. The loan is forgiven if the buyer remains in the home for the term of the loan.

logobullet The HAC News

HAC Little Yellow NewsletterThe HAC News is the “little yellow newsletter” of the Housing Assistance Council, providing essential information on affordable rural housing. The News includes national program and policy updates, summaries of Federal Register filings, findings from recent research reports, and much more.

The Housing Assistance Council improves housing conditions for the rural poor, with an emphasis on the poorest of the poor in the most rural places in the United States; offers services to public, nonprofit, and private organizations throughout the rural United States; and maintains a special focus on high-need groups and regions: Indian country, the Mississippi Delta, farmworkers, the Southwest border colonias, and Appalachia.

Jefferson County
Rental Assistance

logobullet Jefferson County Rental Assistance

Program information: Glenda Helman 304-263-3510
Eligibility information: Bonnie Strayer 304-724-1777

PAH has partnered with Community Networks, Inc. (CNI) to open the Jefferson County Leasing Project. The project provides rental units consisting of one, two, or three bedrooms to low-income homeless households with at least one disabled adult member. Program participants pay 30 percent of their gross income as their portion of the monthly rent. Community leaders, including local churches, businesses, and individuals, are donating furnishings, household supplies, and linens to outfit the units for new tenants.

Eligible Jefferson County residents are referred to the project by the following organizations and programs:

The program’s Placement Housing Counselor meets frequently with each participant to offer support, encouragement, and guidance as residents strive to increase their income and further stabilize their permanent housing situation. Residents also take part in weekly case management meetings, design an action plan, address goals ― including employment, job and life skills development, education, and budgeting ― and receive referrals to mental health and/or substance abuse services and other resources, as needed.



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