This section of PALawHelp.org has information and resources about Home Ownership issues in Pennsylvania.
Click on a resource category listed below to see information related to that category.
Pennsylvania Homeowner Assistance Fund (PAHAF)
The Pennsylvania Homeowner Assistance Fund, or PAHAF, is a housing-related program funded by the U.S. Department of the Treasury to assist Pennsylvania homeowners facing financial hardship due to the COVID-19 pandemic that began after January 21, 2020, (including a hardship that began before January 21, 2020, and continued after that date). The program will provide financial assistance to homeowners for qualified mortgage and housing-related expenses to address delinquency and avoid default, foreclosure, or displacement.
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.
Pennsylvania Homeowner Assistance Fund (PAHAF)
The Pennsylvania Homeowner Assistance Fund, or PAHAF, is a housing-related program funded by the U.S. Department of the Treasury to assist Pennsylvania homeowners facing financial hardship due to the COVID-19 pandemic that began after January 21, 2020, (including a hardship that began before January 21, 2020, and continued after that date). The program will provide financial assistance to homeowners for qualified mortgage and housing-related expenses to address delinquency and avoid default, foreclosure, or displacement.
Resolving Tangled Title Issues
You may have a tangled title if you live in a house that you think you own and take care of, because you inherited it, but your name is not on the deed. It may also occur if you got the home are under a "rent-to-own" or "land contract" arrangement, or in some other way, and the deed is not in your name. Community Legal Services of Philadelphia offers information on how to deal with these issues that apply to situations both in Philadelphia and in other communities.
Mortgage and Housing Assistance during the Coronavirus National Emergency
The Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), and U.S. Department of Housing and Urban Development (HUD) have partnered to launch a new mortgage and housing assistance website to help homeowners and renters during the coronavirus pandemic. The page provides information on what to do now, and what your options are for mortgage and rent payment relief.
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.
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
HUD Home Buyer's Kit
This kit offers information on each stage of finding and buying your own home.
Your Step-by-Step Mortgage Guide - From Application to Closing
Information from Freddie Mac for you to consider as you enter into a mortgage.
Resolving Tangled Title Issues
You may have a tangled title if you live in a house that you think you own and take care of, because you inherited it, but your name is not on the deed. It may also occur if you got the home are under a "rent-to-own" or "land contract" arrangement, or in some other way, and the deed is not in your name. Community Legal Services of Philadelphia offers information on how to deal with these issues that apply to situations both in Philadelphia and in other communities.