Help in Pennsylvania with a mortgage and preventing a foreclosure.
Get help with paying your mortgage in all PA cities including Philadelphia and Pittsburgh. Struggling homeowners can turn to non-profits, local government agencies, or the Pennsylvania Housing Finance Agency (PHFA) for foreclosure prevention services. Find details on grant money, home loan modifications and other mortgage relief programs. Learn how to get assistance with a mortgage payment in PA.
There are a combination of statewide and local mortgage relief programs. As certain cities and regions, such as Philadelphia and Lehigh County, offer their own program to help low-income families.
Mortgage help from the State of PA
The PHFA (Pennsylvania Housing Finance Agency)has a number of assistance programs all aimed at helping homeowners save their home. There are also resources for renters, homebuyers, mortgage refinance solutions, and other housing assistance programs. There may be help for any borrowers who are not eligible for charitable aid. Or there is mortgage help for people who are not eligible for another mortgage refinance product that may be available in the general market due to credit issues.
- PHFA offers as many solutions as possible. Maybe the homeowner can get more time paying their mortgage. Or maybe counselors will help provide borrowers with an affordable interest rate, such as refinancing. All approved participants in this program need to attend financial counseling at a PHFA-approved agency.
This state agency offers loans to people who are facing a short term hardship, such as a job loss or reduction in income. The money can be applied toward either past mortgage payments or help pay for a future payment. . Click here to read more on this mortgage assistance program from PHFA.
The Pennsylvania Homeowners' Emergency Mortgage Assistance Program (HEMAP) is another option. By giving the assurance of steady mortgage payments, it allows homeowners to find alternate job training, employment, and/or education when they need the help the most. It will focus on people who are in danger of losing their homes to foreclosure. Dial (717) 236-9486 to reach the pro-bono PA legal Aid network, which can help people apply.
Government certified HUD foreclosure counseling agencies operate across the state. The federal government Housing and Urban Development (HUD) has certified dozens of local agencies throughout Pennsylvania. They are mostly non-profits and they work to provide housing support and other forms of foreclosure counseling to homeowners. Most of the advice and support is offered free of charge to qualified Pennsylvania borrowers. Learn more on free HUD foreclosure counseling in Pennsylvania.
Free lawyers, including those funded by government LSC grants, help low-income families with their housing needs - including a mortgage. The volunteer lawyers and law firms across PA offer consultation. They can help homeowners find a solution to a late mortgage payment. Find free attorneys near you in Pennsylvania.
Mortgage assistance programs in local PA cities
PA United Way helps people with a mortgage. The statewide non-profit, with local operations, will help struggling families, seniors and people in need find a program in their area. Whether grants to pay a home loan or property taxes, modifications or something else, local mortgage help is offered from this. https://www.pa211.org/get-help/housing-shelter/mortgage-payment-assistance/.
Philadelphia residents can get mortgage relief, including from the Division of Housing and Community Development. The city and partners help homeowners with property taxes and a mortgage. There are various options to the borrower so they can find a solution to the crisis other than a foreclosure. Learn more on the Philadelphia foreclosure mediation program.
- National mortgage servicer Fannie Mae has also opened a center in Philadelphia that can provide free consultations, services, and negotiations to local homeowners. You can work directly with a well trained Fannie Mae housing counselor. Read more Fannie Mae Philadelphia.
- In addition to the city of Philadelphia’s plan indicated above, there are numerous other ways to delay, if not stop, a foreclosure on your home. The city encourages residents to explore all options that may be available to them. More on how to delay a foreclosure.
Lehigh County foreclosure mediation also can help local homeowners with their mortgage. When a foreclosure notice is filed in Lehigh County, they ensure that the homeowner and the bank or lender meet to discuss options to try to save the home. The county mandates that this mediation session occurs between all the parties in the transaction. Continue with foreclosure mediation Lehigh County.
Lycoming County Mediation helps homeowners with a foreclosure. The local court system, non-profit attorneys, and housing counseling agencies have partnered together to create a Lycoming County foreclosure mediation program. All parties will meet to see if some form of payment plan or waiver can be entered into. Read more on this option for local homeowners as well as the Lycoming County foreclosure mediation service.
Mortgage help is available in Western Pennsylvania, including Pittsburgh and Allegheny County.Homeowners who live in the western part of the state, including Pittsburgh and Allegheny County, can receive free foreclosure counseling as well as other forms of help from NeighborWorks. The non-profit agency offers a variety of mortgage and foreclosure programs. Click here to learn more on NeighborWorks housing programs.
One off PA mortgage relief programs
Depending on statewide economic conditions, there are other occassional foreclosure prevention programs that come and go. Some of the other options for mortgage help including the following.
- Bank of America - The state of Pennsylvania, along with many other government organizations, will often receive grants from this lender. All money will be flowing to homeowners who meet income and other criteria. Find how to get mortgage aid from Bank of America in PA, which is offering counseling as well as mortgage assistance to Pennsylvania residents.
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