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Home Ownership

Legal Information

Family in front of home.

This section of PALawHelp.org has information and resources about Home Ownership issues in Pennsylvania.

  • About Reverse Mortgages for Seniors (HECM- Home Equity Conversion Mortgages)

    If you are a homeowner age 62 or older and have paid off your mortgage or paid down a considerable amount, and are currently living in the home, you may participate in FHA's Home Equity Conversion Mortgage (HECM) program. This is information from the U.S. Department of Housing and Urban Development on HECM, FHA's reverse mortgage program that enables you to withdraw a portion of your home's equity. Content Detail

    By:
    U.S. Department of Housing and Urban Development
  • A Reverse Mortgage Primer: Consumer Debt Advice from NCLC

    This article focuses on reverse mortgages, including: who should consider a reverse mortgage; how reverse mortgages work; the foreclosure risks; the impact on spouses, partners, and heirs; and whether taking out a reverse mortgage is a good idea. Content Detail

    By:
    National Consumer Law Center
  • Articles of Agreement

    Information from Southwestern Pennsylvania Legal Services, Inc. on installment sale agreements. Content Detail

    By:
    Southwestern Pennsylvania Legal Services, Inc.
  • Avoiding Predatory Lending Practices (Video)

    Three-part video series from Northwestern Legal Services' "Access to Justice" cable access television show broadcast on Erie Cablevision (Channel 2) in Erie, PA. Avoiding Predatory Lending Practices in Pennsylvania, with Dave Pesch, Housing Counseling Programs Manager at St. Martin's Center in Erie, PA and Maggie Schuetz, Staff Attorney with Community Justice Project, Pittsburgh, PA. Recorded February 14, 2008. Read More

    By:
    Northwestern Legal Services
  • Buying a Home

    Information from Erie County Bar Association on the basic steps involved in buying a home. Content Detail

    By:
    Erie County Bar Association
  • Buying a Home

    Information and tips from the Pennsylvania Department of Banking and Securities on buying a home. [PDF] Content Detail

    By:
    Pennsylvania Department of Banking and Securities
  • Buying a Home

    Consumer information pamphlet from the Pennsylvania Bar Association. [PDF] Content Detail

    By:
    Pennsylvania Bar Association
  • Buying A Home - HUD

    The homebuying process can seem complicated, but if you take things step-by-step, you will soon be holding the keys to your own home! The U.S. Department of Housing and Urban Development provides these nine steps to buying a home. Content Detail

    By:
    U.S. Department of Housing and Urban Development
    Read this in:
    Spanish / Español
  • Contact Your Mortgage Company - Making Home Affordable

    Many mortgage companies have agreed to participate in the Making Home Affordable (MHA) Program. This provides a list of participating companies and the contact information for submitting an application. Content Detail

    By:
    Making Home Affordable.gov
  • Deceptive Home Improvement Contractors Complaints

    Information for home owners with HUD insured loans on avoiding deceptive home improvement contractors. Content Detail

    By:
    U.S. Department of Housing and Urban Development
    Read this in:
    Spanish / Español
  • Does HUD Owe You a Refund?

    Information and Fact Sheet regarding insured mortgages and whether you may be eligible for a HUD refund or share of any excess earnings from the FHA's Mutual Mortgage Insurance Fund. Fact Sheet also available in PDF Content Detail

    By:
    U.S. Department of Housing and Urban Development
    Read this in:
    Spanish / Español
  • Ejectment

    Information from Southwestern Pennsylvania Legal Services, Inc. on what ejectment is and when it may be used. Content Detail

    By:
    Southwestern Pennsylvania Legal Services, Inc.
  • FHA Reverse Mortgages (HECMs) for Seniors

    Information about the FHA's Home Equity Conversion Mortgage (HECM) program. The HECM is FHA's reverse mortgage program that enables you to withdraw a portion of your home's equity. Content Detail

    By:
    U.S. Department of Housing and Urban Development
    Read this in:
    Spanish / Español
  • Frequently Asked Questions - Making Home Affordable Program

    FAQ on the Making Home Affordable Program which offers two different potential solutions for borrowers: (1) refinancing mortgage loans, through the Home Affordable Refinance Program (HARP), and (2) modifying mortgage loans, through the Home Affordable Modification Program (HAMP). Content Detail

    By:
    Making Home Affordable.gov
  • Get Answers - Mortgage Assistance from Making Home Affordable

    Information from Federal Making Homes Affordable Program about how to get mortgage assistance. Content Detail

    By:
    Making Home Affordable.gov