If you are struggling to make your mortgage payments, it is important that you seek assistance as soon as possible. Missed payments will not only incur late fees, but can also put you in a more compromising position in a short period of time. If a loan is more than 4 months delinquent, the bank can refer the loan to their foreclosure attorney. This initial foreclosure filing can cost you thousands of dollars.

Be vigilant of these important notices from the bank or their attorneys:

  • Correspondence or notices from the bank offering assistance through a loss mitigation program
  • Act 91 Notice or Notice of Intent to Foreclose
    • sent by the lender when you are at least 3 months delinquent
  • Notice of attending a conciliation hearing
    • front page of a thick packet called the mortgage foreclosure complaint
    • sent by the foreclosure attorney, hand-delivered
  • Notice of Sheriff Sale
    • sent by mail or posted on your door

Do not ignore the situation. Seek help immediately.

AHCOPA Counselors are certified in the services that we provide, working to ease the concerns of distressed homeowners. Our counselors attend the conciliation hearings at City Hall to negotiate with the bank and their attorneys on workout options that may be available. We will review your financial capacity, determine your eligibility for programs and work on your behalf for:

Retention Options:

  • Mortgage modification
  • Government assistance loan or grant
    • HEMAP assistance or through the Housing Trust Fund
  • Repayment plan
  • Reverse mortgage
    • to pay off the forward mortgage for a homeowner that is over the age of 62

Non-Retention Options:

  • Short sale
  • Deed-in-lieu


Affordable Housing Center of Pennsylvania