General advice from the Erie County Bar Association on how to deal with a mortgage foreclosure.
Preventing Mortgage Foreclosure
Many homeowners face difficulties paying their mortgage. Job loss, change in income, and adjustments to interest rates can lead to falling behind on payments. This information from Northwestern Legal Services will give you some tips about what to do when you fall behind on your mortgage payments, what resources are available, and who can help you.
Homes & Mortgages
Special FTC website focusing on Mortgage Foreclosure and foreclosure rescue scams.
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.
When Paying the Mortgage is a Struggle
Information from the Federal Trade Commission about how to help save your home, and how to recognize and avoid foreclosure scams.
Information from the Pennsylvania Legal Aid Network on preventing the foreclosure of your house.
Emergency Measures for Mortgage Foreclosure (Philadelphia County)
Information on when you can get a Sheriff's Sale postponed in Philadelphia County and what steps need to be taken to postpone the sale.
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]
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.
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.
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.
What should I do if the house or apartment I’m renting goes into foreclosure?
Information from the Consumer Financial Protection Bureau on what to do if your landlord defaults on the mortgage to your residence and it goes into foreclosure.
Reverse Mortgages: Know Before You Owe (Video)
This video from the Consumer Financial Protection Bureau provides an overview of reverse mortgages for older consumers and their families. You’ll learn how reverse mortgages work and what issues you should consider before applying for one.
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.
Pennsylvania is Now Accepting Applications for the Homeowner Assistance Fund
You could be eligible for help with delinquent mortgage payments or rent-to-own payments, up to $30,000, and for help for utility expenses.