PALawHelp.org

Mortgage Foreclosure

Legal Information

This section of PALawHelp.org has information and resources about Mortgage Foreclosure issues in Pennsylvania.

• Preventing Foreclosure

  Information from Pennsylvania Legal Aid Network, Inc. on preventing the foreclosure of your house Read More

  By:

  Pennsylvania Legal Aid Network, Inc.

• Homeowners' Emergency Mortgage Assistance Program (HEMAP)

  Information on the Homeowners' Emergency Mortgage Assistance Program (HEMAP) from the Pennsylvania Housing Finance Agency. This is a unique loan program designed to protect citizens who, through no fault of their own, are financially unable to make their mortgage payments and are in danger of losing their homes to foreclosure. Content Detail

  By:

  Pennsylvania Housing Finance Agency

• Homeowners' Emergency Mortgage Assistance Program Counseling Agencies

  Listing of Homeowners' Emergency Mortgage Assistance Program (HEMAP) Counseling Agencies. Counseling agencies prepare applications and forward information to PHFA for processing. [PDF] Content Detail

  By:

  Pennsylvania Housing Finance Agency

• Making Home Affordable.gov

  This website provides homeowners with detailed information about the Home Affordable Refinance Program (HARP) and the Home Affordable Modification Program (HAMP), along with self-assessment tools and calculators to empower borrowers with the resources they need to determine whether they might be eligible for a modification or a refinance under the Obama Administration's program. Through this website, borrowers can also connect with free counseling resources and access other useful tools and information. Content Detail

  By:

  U.S. Government

  Read this in:

  Spanish / Español

• HUD Approved Housing Counseling Agencies in Pennsylvania

  HUD sponsors housing counseling agencies throughout the country can provide advice on buying a home, renting, defaults, foreclosures, credit issues, and reverse mortgages. A list of agencies in Pennsylvania is provided here. Content Detail

  By:

  U.S. Department of Housing and Urban Development

• Your Rights and the Responsibilities of the Mortgage Servicer

  Information from U.S. Department of Housing and Urban Development for home buyers concerning your rights and the responsibilities of your loan servicer. Content Detail

  By:

  U.S. Department of Housing and Urban Development

  Read this in:

  Spanish / Español

• Avoid Foreclosure: Know Your Options (Video)

  This video from Making Home Affordable outlines options that might help you avoid foreclosure. Read More

  By:

  Making Home Affordable

  Read this in:

  Spanish / Español

• Avoiding Foreclosure: How to Reduce the Risk of Losing Your Home

  Brochure from Regional Housing Legal Services explaining the operation of the Homeowners Emergency Mortgage Assistance Program (HEMAP) Help Center. [PDF] Content Detail

  By:

  Regional Housing Legal Services

• Mortgage Foreclosure

  Information from Southwestern Pennsylvania Legal Services, Inc. on your rights in a mortgage foreclosure. Content Detail

  By:

  Southwestern Pennsylvania Legal Services, Inc.

• OCC Consumer: Avoiding Mortgage Modification Scams and Foreclosure Rescue Scams

  This Consumer Advisory, issued by the Office of the Comptroller of the Currency (OCC), describes common mortgage scams, suggests ways to protect yourself, provides information on U.S. government loan programs and counseling resources, and lists 10 warning signs of a mortgage modification scam. Content Detail

  By:

  Office of the Comptroller of the Currency

• Foreclosure Resource Center

  Links to information focused on Philadelphia regarding mortgage foreclosures. Includes sections on Consumer Information; Community Resources; Research and Publications; Poicy and Regulation; and Events and News. Content Detail

  By:

  Federal Reserve Bank of Philadelphia

• Shopping for a Mortgage

  Information from the Pennsylvania Department of Banking and Securities on shopping for a mortgage to finance or re-finance your home. [PDF] Content Detail

  By:

  Pennsylvania Department of Banking and Securities

• Avoiding Mortgage Foreclosure (Audio-MP3) audio

  Episode of Northwestern Legal Services' "Access to Justice" Radio show broadcast on JET 1400 AM in Erie, PA on 3/13/08. Information on avoiding mortgage foreclosure in Pennsylvania, alternative approaches, Applications to HEMAP (Homeowner's Emergency Mortgage Assistance Program) and details on the Act 91 Notice. Read More

  By:

  Northwestern Legal Services

• Mortgage Foreclosure Process (Audio-MP3) audio

  This is an episode of Northwestern Legal Services' Access to Justice Radio show broadcast on JET 1400 AM in Erie, PA on 1/10/2008. This episode provides an overview of issues surrounding mortgage foreclosure in Pennsylvania, avoiding adjustable rate mortgages and unscrupulous lending practices, what is the legal process, applying for Homeowner's Emergency Mortgage Assistance Program (HEMAP), what happens if HEMAP is denied, and information on possibly bankruptcy remedies, how to get legal help. Read More

  By:

  Northwestern Legal Services

• Mortgage Mediation

  Information from Pennsylvania Housing Finance Agency on The Residential Mortgage Diversion Program that was created to provide a stay of foreclosure on owner-occupied homes. This stay allows the parties an opportunity to reach an agreement to reinstate the loan and avoid foreclosure. Content Detail

  By:

  Pennsylvania Housing Finance Agency