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Tenfold is a non-profit providing free housing counseling, financial counseling, and shelter services to individuals and families experiencing homelessness in Central Pennsylvania.
Data compiled from public sources
Tenfold was formed through the merger of two organizations—Tabor and LHOP—bringing together over 80 years of collective experience context in community development and financial empowerment. The organization operates as a reported non-profit partner across Central Pennsylvania, specifically serving Lancaster County and surrounding areas. Since 2004, Tenfold has managed The Lighthouse (TLC), a historic 52-room shelter facility originally constructed in 1910 and located at 105 E. King St., Lancaster, PA. The organization's mission centers on empowering neighbors to overcome homelessness, prevent eviction, prepare for homeownership, and achieve financial stability through comprehensive support services.
Tenfold offers a multi-faceted suite of free and low-cost services designed to address various financial and housing challenges. Their primary offerings include temporary shelter through TLC with personalized case management; housing counseling and financial counseling services; homebuyer education through a partnership with eHome America's self-paced platform; budgeting and credit assistance; landlord-tenant mediation; and fair housing guidance. The Ann B. Barshinger Financial Empowerment Center, operated as a service of Tenfold, specifically targets first-time homebuyers and provides counseling across housing, financial, and educational domains. Additionally, Tenfold manages the Veterans' Victory House (VVH), a dedicated program within TLC serving veterans facing homelessness.
Tenfold distinguishes itself through its integration of immediate crisis intervention (shelter) with long-term financial empowerment. Rather than operating as a single-service provider, the organization combines emergency housing, employment support, job training coordination, housing placement assistance, and financial literacy into a comprehensive pathway toward self-sufficiency. Their shelter model emphasizes family unity—allowing families with children and couples to remain together in private rooms—and serves all household types including veterans, families, couples, and individuals. Fiscal year 2023-24 data demonstrates significant community impact: 1,130 outreach services to homeless individuals, 23,459 shelter bed-nights provided, 584 households receiving counseling, and approximately $556,129 in loans facilitated for first-time homebuyers.
Tenfold is best suited for individuals and families in crisis or transitional phases who require comprehensive support rather than isolated services. The organization's strength lies in its ability to provide immediate shelter while simultaneously building financial capacity and housing stability. However, geographic scope is limited to Central Pennsylvania (primarily Lancaster County), and the organization relies on donation funding, including a current capital campaign for building renovation, which may affect service continuity. As a non-profit, service availability and responsiveness depend on staff capacity and funding levels.
This is state-level context for Free Help consumers in Lancaster, PA. It does not confirm that Tenfold or this specific location is licensed.
State regulator
Pennsylvania Department of Banking and Securities
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Tenfold offers 12 services including Emergency shelter with 52 private rooms and personalized case management, Veterans' Victory House dedicated program for veterans experiencing homelessness, Housing counseling and stability planning services, Financial counseling and budgeting assistance, Homebuyer education through eHome America self-paced platform partnership, and 7 more.
Tenfold has profile signals associated with Families and individuals experiencing homelessness in Lancaster County seeking emergency shelter plus case management, First-time homebuyers in Central Pennsylvania preparing for purchase and seeking housing counseling, Veterans experiencing housing instability who would benefit from dedicated veteran services, Renters facing eviction or landlord-tenant disputes seeking mediation and financial counseling.
Key strengths: Free housing, financial, and homebuyer counseling provided by trained professionals serving rural and urban areas; Integrated shelter and supportive services model keeping families together with private rooms and individualized case management; Dedicated Veterans' Victory House program within TLC specifically addressing veteran homelessness. Areas to consider: Limited geographic service area restricted to Central Pennsylvania and Lancaster County; Dependent on donations and grant funding, including active capital campaign for building renovation which may affect service reliability.
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.
CreditDoc Profile Note
Tenfold is profile signals for individuals and families in crisis or transitional housing situations in Central Pennsylvania who need coordinated emergency shelter combined with financial counseling and housing pathway support. The primary caveat is strict geographic limitation to Lancaster County and surrounding Central Pennsylvania areas, making services inaccessible to consumers outside this region.
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