If you received an Act 91 Notice from the lender, then you are eligible to apply for the Homeowners Emergency Mortgage Assistance Program (HEMAP) through the Pennsylvania Housing Finance Agency. You will need to show that mortgage delinquency was the result of actions beyond your control and that there is a reasonable prospect of resuming mortgage payments within 24 months of the initial date of delinquency. If approved, HEMAP will offer the delinquent borrower a loan to bring the mortgage current.
Are there other retention options available?
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