Community Action Committee of Lehigh Valley, Inc. logo

Community Action Committee of Lehigh Valley, Inc. in Bethlehem, PA

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Non-profit community action agency offering HUD-certified housing counseling, financial education, and advocacy services to improve economic opportunity in the Lehigh Valley.

Data compiled from public sources

Community Action Committee of Lehigh Valley, Inc. Review

Community Action Committee of Lehigh Valley is a non-profit organization dedicated to improving quality of life across the Lehigh Valley region by building communities where all people have access to economic opportunity and a voice in decisions affecting their lives. The organization operates under a mission-driven model with deep roots in community advocacy and development. Their work spans multiple interconnected program areas rather than focusing on a single financial product or service.

The organization offers a comprehensive suite of community development services including HUD-certified housing counseling (pre-purchase counseling, mortgage foreclosure diversion, financial education), the Sixth Street Shelter for families experiencing homelessness, community home weatherization and renovation programs, the Rising Tide Community Loan Fund for small business development, food access initiatives through Second Harvest Food Bank partnerships, and neighborhood revitalization work. Their 2024-2025 impact statistics demonstrate significant reach: 97 families served at their shelter, 98 homes weatherized, 124,000 people monthly food access support, and $14 million in small business loans disbursed.

What distinguishes Community Action LV is their integrated approach to economic mobility that combines emergency shelter, housing stability, business lending, and financial counseling rather than offering standalone financial products. They employ HUD-certified housing counselors and maintain partnerships with local municipalities and organizations like Second Harvest Food Bank. The organization demonstrates transparency through detailed impact reporting and features real client success stories (Chelsie's path from homelessness to business ownership, Amoury's foreclosure diversion).

The primary caveat is that this organization primarily serves the Lehigh Valley region geographically. Additionally, they function as a community development resource hub rather than a direct lender or credit repair service—their Rising Tide loan fund and housing counseling require qualification and application processes. Services like foreclosure diversion and housing counseling have specific eligibility requirements tied to financial hardship circumstances.

Services & Features

Business start-up and development support and advocacy
Community home acquisition, renovation, and resale to qualified buyers
Financial education and financial literacy counseling
Food access coordination through Second Harvest Food Bank partnerships
HUD-certified housing counseling (pre-purchase, post-purchase, foreclosure diversion)
Home weatherization program with energy audits and improvements
Housing Counseling integrated with Lehigh Valley Community Land Trust services
Mortgage foreclosure prevention and diversion services
Neighborhood revitalization and property improvement initiatives
Rising Tide Community Loan Fund small business lending
Sixth Street Shelter emergency family shelter with childcare and employment support
Youth development programs

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • HUD-certified housing counselors providing pre-purchase and foreclosure diversion counseling with no listed cost to qualifying families
  • Rising Tide Community Loan Fund has disbursed $14 million in small business loans to underserved entrepreneurs
  • Integrated support ecosystem combining emergency shelter, housing counseling, and financial education in one organization
  • Sixth Street Shelter provides comprehensive family support including childcare coordination and job placement assistance
  • Weatherization program covers comprehensive energy audits, window/door repair, and high-efficiency appliance replacement
  • Multilingual services available in Arabic, Chinese, Portuguese, and Spanish
  • Demonstrates measurable community impact with listed annual statistics and documented client success stories

Cons

  • Services are geographically limited to Lehigh Valley and surrounding areas only
  • Housing counseling and loan programs require application/qualification process with specific eligibility criteria
  • Does not offer short-term cash access loans, payday alternatives, or provider-stated funding timing products
  • Limited information on website regarding specific APR rates or loan terms for Rising Tide Community Loan Fund
  • As a non-profit community agency rather than financial services company, some services may have waitlists or limited availability

State Consumer Finance Context

This is state-level context for Free Help consumers in Bethlehem, PA. It does not confirm that Community Action Committee of Lehigh Valley, Inc. or this specific location is licensed.

State regulator

Pennsylvania Department of Banking and Securities

Key state rules to check

  • Payday lending is banned; the state's usury cap of 6% (24% for licensed lenders) prevents it.
  • Licensed consumer discount companies regulated under the Consumer Discount Company Act.
  • The Pennsylvania Unfair Trade Practices and Consumer Protection Law prohibits deceptive lending.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

What services does Community Action Committee of Lehigh Valley, Inc. offer?

Community Action Committee of Lehigh Valley, Inc. offers 12 services including HUD-certified housing counseling (pre-purchase, post-purchase, foreclosure diversion), Mortgage foreclosure prevention and diversion services, Financial education and financial literacy counseling, Sixth Street Shelter emergency family shelter with childcare and employment support, Rising Tide Community Loan Fund small business lending, and 7 more.

What profile signals are listed for Community Action Committee of Lehigh Valley, Inc.?

Community Action Committee of Lehigh Valley, Inc. has profile signals associated with Homeowners in Lehigh Valley facing foreclosure or mortgage default seeking HUD-certified counseling, First-time homebuyers in the region needing pre-purchase financial education and counseling, Low-to-moderate income small business owners in Lehigh Valley seeking affordable business financing, Families experiencing homelessness seeking emergency shelter with integrated path to housing stability and employment.

What are the strengths and weaknesses of Community Action Committee of Lehigh Valley, Inc.?

Key strengths: HUD-certified housing counselors providing pre-purchase and foreclosure diversion counseling with no listed cost to qualifying families; Rising Tide Community Loan Fund has disbursed $14 million in small business loans to underserved entrepreneurs; Integrated support ecosystem combining emergency shelter, housing counseling, and financial education in one organization. Areas to consider: Services are geographically limited to Lehigh Valley and surrounding areas only; Housing counseling and loan programs require application/qualification process with specific eligibility criteria.

How does Community Action Committee of Lehigh Valley, Inc. compare to similar companies?

In the Free Help category, comparable providers include Advantage Credit Counseling Service, APM: Community and Economic Development, Financial Opportunity Center, NAC & SCI, Credit Literacy 101. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Headquarters
Bethlehem, PA
BBB Accredited
No
Certifications
HUD-Approved
Visit Community Action Committee of Lehigh Valley, Inc.

CreditDoc Profile Note

Research Note on Community Action Committee of Lehigh Valley, Inc.

Community Action LV is profile signals for Lehigh Valley residents facing housing instability, foreclosure risk, or seeking small business financing who qualify for their programs. The main caveat is geographic limitation to the Lehigh Valley region and the requirement to apply and qualify for most services, which means they function as a community development resource hub rather than an immediate financial solution provider.

Profile Signals

  • Homeowners in Lehigh Valley facing foreclosure or mortgage default seeking HUD-certified counseling
  • First-time homebuyers in the region needing pre-purchase financial education and counseling
  • Low-to-moderate income small business owners in Lehigh Valley seeking affordable business financing
  • Families experiencing homelessness seeking emergency shelter with integrated path to housing stability and employment
Updated 2026-05-08

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Quick Summary

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