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Affordable Housing Centers of Pennsylvania Helps Homeowners Protect Their Investment Across Generations » NCRC

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Affordable Housing Centers of Pennsylvania Helps Homeowners Protect Their Investment Across Generations » NCRC


For the past 17 years, the Affordable Housing Centers of Pennsylvania (AHCOPA) has provided a range of programs designed to build wealth within low- and moderate-income (LMI) communities. AHCOPA provides services to approximately 3,000 people each year via their pre-purchase, post-purchase and mortgage prevention counseling programs.

When Kenneth Bigos joined AHCOPA as their Executive Director in 2013, he set out to expand the organization’s offerings beyond first-time homeownership counseling services. He identified estate planning as an urgent need for the region’s LMI communities as well. 

A 2022 Consumer Reports survey found that 77% of Black and 82% of Hispanic Americans do not have a will in place, which is needed to ensure that their home investment continues to build generational wealth. Consequently, the state court steps in upon the owner’s passing to decide how assets will be distributed, with property not being able to be transferred to an heir until that lengthy process is complete. In Philadelphia alone, there are approximately 10,000 properties with titles that have not been legally settled. 

In response to this, AHCOPA launched the Will Power program in 2022 by leveraging existing relationships with pro-bono lawyers in the creation of wills and trusts for community members. The program has created an opportunity to serve a larger portion of Philadelphia’s population. 

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While the first-time homebuyer program initially attracted people in their mid-30s, Will Power participants are generally in their late 60s, prompting AHCOPA to think about what housing support looks like across an individual’s lifetime.

“Elderly households are more vulnerable,” Bigos said. “To reach these homeowners, we had to develop relationships with trusted agencies, such as senior centers, churches and other institutions that we would not typically work with in our first-time homebuyer program.”

As a result of that  work, AHCOPA marked a major milestone in October 2025: the signing of 1,000 wills. Thanks to the success of Will Power and the first-time homebuyer program, AHCOPA has solidified its reputation as the go-to financial advisor for working-class residents. 

Looking ahead, they are planning to add a new program designed to support people beyond the initial purchase of their home, which will include coaching to help owners develop their financial literacy. This would encompass how to build savings to buy a first home and avoid foreclosure in the event of a crisis.

For Bigos, NCRC membership is key to ensuring the success of these programs, especially in terms of organizing at the federal, state and local levels advocating for continued funding. 

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“Engaging with decision makers is very important and being an NCRC member has helped facilitate those relationships,” Bigos said. “Their support has been very impactful.”

 

Jesse Rhodes is a Contributing Writer.

Photo courtesy of the AHCOPA team.



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Pennsylvania

Catchy chemistry: Pennsylvania musician sings songs about the periodic table of elements

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Catchy chemistry: Pennsylvania musician sings songs about the periodic table of elements


Bethlehem, Pa — A Pennsylvania musician is making the periodic table of elements fun!

George Hrab and his band, The George HraBand, sing about all 118 elements in the periodic table in his show, “Occasional Songs For The Periodic Table.”

As they go through the table of elements, there are various musical styles, from reggae to heavy metal.

“So heavy metal fans and reggae fans will then appreciate and learn about protactinium or learn about einsteinium,” explains Hrab.

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“It’s sort of a fun opportunity to teach people a little bit of something.”

The project started as a way to get Hrab out of a writers block and he never expected it to turn into something more.

“And before I knew it, I had like 50 done and then 60 and an 80 and then 100,” says Hrab. “And then I finished them all off and hoped that someday I’d be able to play them live with a band.”



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Democrat Josh Shapiro tests political muscle in swing-state Pennsylvania’s midterms

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Democrat Josh Shapiro tests political muscle in swing-state Pennsylvania’s midterms


LOCK HAVEN, Pa. — Josh Shapiro may be heavily favored to win reelection as Pennsylvania governor, but that doesn’t mean there isn’t a lot on the line for him this year.

Shapiro, who is just beginning to hit the campaign trail, wants voters to give Democrats control of the state legislature for the first time in decades. And he’s pushing his favored candidates in competitive congressional primaries, an attempt to mold his party’s slate in the midterm elections that will determine control of Washington.

All of this means that, much like other potential Democratic presidential candidates, Shapiro is testing his political capital in ways that could shape his future and the party’s.

Illinois Gov. JB Pritzker successfully boosted his favored candidate in his state’s U.S. Senate primary. Maryland Gov. Wes Moore failed to convince lawmakers to redraw the state’s congressional map, while California Gov. Gavin Newsom achieved redistricting through a voter referendum last year.

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Shapiro brushed off questions — and Republican criticism — about burnishing his credentials for a White House run.

“The only thing I am focused on is beating my opponent for governor and helping other Democrats get elected here and sending a clear message to Donald Trump that the chaos, cruelty and corruption that he’s been engaged in is not something that we support here in Pennsylvania,” Shapiro told The Associated Press after speaking to Democrats at a packed coffee shop in small-town Lock Haven.

Shapiro has never said whether he’s interested in running for president. But he does say he wants a voice in his party’s future. Democrats need to figure out how to “get stuff done” to make people’s lives better, he said, and he wants to be “part of that conversation.”

Stacy Garrity, the Republican state treasurer who is running for governor, said Shapiro can’t hide his ambition — and it’s bad for the state.

“We all know that he’s more interested in Pennsylvania Avenue than helping Pennsylvania families,” she said in an interview. “He thinks if he can hand Pennsylvania on a platter to the Democratic Party, then maybe they take a harder look at him.”

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An opportunity to demonstrate strength

They just might.

Pennsylvania is a hard state to succeed in politically, and Democrats around the country are taking note of Shapiro because of that, said Paul Begala, a Democratic campaign strategist, commentator and senior aide to Bill Clinton when he was president.

The election gives Shapiro an opportunity to demonstrate strength.

“Right now, Democrats, the thing they want the most is a winner, and a very close second is a fighter,” Begala said. “This election is an opportunity for him to show that.”

Ahead of this year’s campaign, Shapiro put his stamp on the Pennsylvania Democratic Party by getting committee people to elect his hand-picked chair and plunging more than $900,000 so far this election cycle into the organization’s accounts.

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He’s on track to break his own state fundraising record and tells voters that Pennsylvania is the “center of the political universe” in the fight for control of the U.S. House.

Democrats want to flip four House seats in Pennsylvania. Shapiro’s endorsed candidates include Paige Cognetti, mayor of Scranton; Bob Brooks, president of the state firefighters’ union; and Janelle Stelson, a former television news personality who narrowly lost two years ago.

Shapiro already cut an ad for Brooks, who is running in a hotly contested four-way primary for the chance to challenge freshman Republican U.S. Rep. Ryan Mackenzie.

Contested primaries and GOP surrogates

Shapiro’s endorsements haven’t scared off Democratic rivals.

Ryan Crosswell, a former federal prosecutor running against Brooks, issued a campaign memo that — in a veiled reference to the governor — said Crosswell has “no party machine behind him, no power broker network, no favors to call in.”

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For his part, Shapiro said: “I’m just focused on trying to elevate good people. Hopefully they’ll all win.”

Republicans, meanwhile, have their own surrogates.

Garrity said the White House asked her for a list of people she wants to visit in Pennsylvania.

Trump, Vice President JD Vance and a number of Cabinet secretaries have already visited the state’s contested congressional districts. Earlier this month, House Speaker Mike Johnson made a fundraising swing through Pennsylvania.

“We know the majority runs through Pennsylvania and the speaker is focused on doing everything he can to help those members defend their seats,” said Greg Steele, a spokesperson for Johnson’s political operation.

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It’s quite likely Johnson will be back: Pennsylvania was his last campaign stop before the 2024 election.

Trump and Vance could return, too, and in the meantime, the president is keeping an eye on Pennsylvania. On Tuesday night, he took to social media to take credit for a decision by owners of two coal-fired power plants not to close in what he called a “BIG WIN for the Great Commonwealth of Pennsylvania, which I love.”

Shapiro starts hitting the campaign trail

As he begins to campaign, Shapiro is proving himself to be a draw even in Pennsylvania’s out-of-the-way areas. Earlier this month, he helped pack a ballroom for Centre County Democrats and the coffee shop for Clinton County Democrats.

“I saw brand-new people, I saw people who have not been engaged in the party in years,” Bre Brannan, Clinton County’s Democratic Party chair, said. The crowd included Republicans and independents, too, she said.

With a Democratic “trifecta,” Shapiro tells audiences he could get more done, citing legislation Republicans have stalled. That includes raising Pennsylvania’s rock-bottom minimum wage and expanding legal protections for LGBT residents. He also has a housing affordability plan he’s pushing this year.

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Consolidating control of the state Legislature would be no small feat. Democrats hold a one-seat majority in the state House and haven’t held the state Senate majority in over three decades.

Few Democrats in the party’s 2028 presidential sights have an opportunity to demonstrate political strength and party-building aptitude in swing states.

The opportunity could help Shapiro prove his mettle when the presidential campaign season cranks up and would-be candidates go in search of institutional support, endorsements and donor commitments.

Pouring money into down-ballot races and flipping seats may not help Shapiro with the average voter. But activists, donors and other elected officials care a great deal about that, strategists say.

Success would strengthen Shapiro’s hand at a time when candidates are trying to win the “perception campaign” that they are the strongest candidate, Democratic campaign strategist Mike Mikus said.

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“It doesn’t guarantee anything,” Mikus said. “But it is definitely something to bring to the table when you’re lining up donors, endorsements and finance chairs, things like that. It’s compelling to them.”



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93 animals living in ‘deplorable conditions’ rescued from Pennsylvania home

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93 animals living in ‘deplorable conditions’ rescued from Pennsylvania home


76 dogs, 15 cats and kittens, and two Flemish rabbits were removed from a residence in Lancaster County, Pennsylvania, after officials said they were found living in deplorable conditions.

Pennsylvania SPCA shared that their law enforcement team had responded to a home on High Ride Road in Columbia, after receiving a tip from concerned citizens.

When officers arrived at the property, officials said they detected a foul odor coming from the outside of the residence, which grew stronger as they approached the front door and the garage connected to the home.

Through a window of the residence, officials said officers saw several dogs in distress, including a black Newfoundland-type dog with heavily matted fur, a Shih Tzu-type dog with matting throughout the body, several shepherd-type dogs, and a Chihuahua with significant hair loss.

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Officers also found piles of excrement and pools of liquid throughout the interior of the residence.

A fenced-in porch area was coated with feces, and multiple dogs were also seen in crates in the garage, living in feces-laden conditions, officials shared. Those dogs included a mother German Shepherd and her puppies were found crammed into a crate.

Pennsylvania SPCA

Pennsylvania SPCA

Pennsylvania SPCA

Pennsylvania SPCA

After executing a search warrant, officials said officers were able to confirm the severity of the animal’s conditions and they began removing the animals.

Among the animals removed, officials said many were covered in fecal matter and suffered from extreme matting, fur staining, hair loss on the face and body, and scabbing. Some animals were even found living in hutches, while others were confined to crates zip-tied shut.

After all 93 animals were removed from the property, officials said they were turned over to the Pennsylvania SPCA and are now undergoing forensic medical examinations.

Pennsylvania SPCA

Pennsylvania SPCA

Pennsylvania SPCA

Pennsylvania SPCA

Officials said more information about their conditions and potential charges will be provided following those examinations. The charges could include knowingly, recklessly, or intentionally ill-treating an animal, failure to provide access to clean and sanitary shelter and lack of veterinary care.

“The conditions these animals were forced to endure were truly heartbreaking,” said Nicole Wilson, Director of Animal Law Enforcement and Shelter Operations at the Pennsylvania SPCA. “Ninety-three animals living in filth, without clean water, adequate shelter, or basic care – this is why our team works around the clock to respond to these calls. We are grateful to the Good Samaritan who spoke up, the officers from West Hempfield Township and Lancaster County Sheriff Deputies who were committed to the safe removal of all animals and we are committed to ensuring each of these animals receives the care they deserve.”

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Anyone with information about this case, or other cases involving animal cruelty, is urged to call the Pennsylvania SPCA’s Cruelty Hotline at (866) 601-SPCA. Tips can also be left anonymously.



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