Pennsylvania Home Foreclosure Prevention Package

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Multi-State
Control #:
US-P111-PKG
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Word; 
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Description

This package provides many different tools for a homeowner to prevent foreclosure of a home. The forms cover various means to obtain assistance at all stages of the foreclosure process. Purchase of this package is a savings of 63% over purchase of the forms individually! Included in this package are the following forms:



1. Letter to Lender for Produce the Note Request


2. Offer by Borrower of Deed in Lieu of Foreclosure


3. Motion to Dismiss Foreclosure Action and Notice of Motion


4. Petition or Complaint to Enjoin Nonjudicial Foreclosure Sale and for Declaratory Relief


5. Petition to Enjoin Foreclosure Sale and Seeking Ascertainment of Amount Owed on Note and Deed of Trust


6. Qualified Written RESPA Request to Dispute or Validate Debt


7. Request to Lender or Loan Servicer for Loan Modification Due to Financial Hardship - Requesting Change to Fixed Rate of Interest of Adjustable Rate


8. Hardship Letter to Mortgagor or Lender to Prevent Foreclosure


9. Sample Letter for Short Sale Request to Lender


10. MHA Request for Short Sale


The Pennsylvania Home Foreclosure Prevention Package is a comprehensive program designed to assist homeowners facing the risk of foreclosure. This package includes a range of resources, initiatives, and legislation aimed at preventing foreclosure and helping homeowners find financial stability. One key component of the Pennsylvania Home Foreclosure Prevention Package is the provision of financial counseling services. Qualified counselors are available to provide guidance and support to homeowners, helping them navigate the complexities of the foreclosure process and explore available options to avoid losing their homes. These counselors can help homeowners understand their financial situation, develop a budget, negotiate with lenders, and explore alternatives to foreclosure. Another important aspect of the Pennsylvania Home Foreclosure Prevention Package is mortgage assistance programs. These programs aim to provide eligible homeowners with financial assistance in the form of loan modifications, refinancing options, or payment assistance. By modifying the terms of their mortgage or providing temporary relief, these programs help individuals stabilize their finances and keep up with their mortgage payments. Additionally, the Pennsylvania Home Foreclosure Prevention Package offers legal protections for homeowners. It includes legislation that imposes certain requirements on lenders, such as mandatory foreclosure mediation or a moratorium on foreclosures under certain circumstances. These legal protections aim to ensure that homeowners have a fair chance to negotiate with their lenders and explore all available options before facing foreclosure. Furthermore, the Pennsylvania Home Foreclosure Prevention Package emphasizes public outreach and education. It includes initiatives to raise awareness about foreclosure prevention resources, such as public awareness campaigns, community workshops, and online resources. These efforts aim to ensure that homeowners have access to the information they need to understand their rights and options when facing foreclosure. In summary, the Pennsylvania Home Foreclosure Prevention Package is a comprehensive program offering financial counseling, mortgage assistance, legal protections, and public outreach initiatives to help homeowners prevent foreclosure. It is designed to provide crucial assistance and support to individuals facing the risk of losing their homes.

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FAQ

Homeowners' Emergency Mortgage Assistance Program: HEMAP provides financial assistance to Pennsylvania residents who face losing their primary residence through foreclosure.

PAHAF has temporarily paused accepting new application submissions as of February 1, 2023. Day-to-day operations of the program will transition from a third-party vendor to Pennsylvania Housing Finance Agency (PHFA) starting February 6. Read our FAQs here.

Have household income at or below the United States median income or the Area Median Income where you live, whichever is greater. This starts at $90,000, but can be more depending on location and family size. The TXHAF website has a calculator that can tell you the qualifying amount in your area.

What are the applicable PAHAF income limits? Homeowner(s) must have an annualized current income of no more than the 150% of the area median income for a household, for the relevant household size, as published by the U.S. Department of Housing and Urban Development (?HUD?) in ance with 42 U.S.C.

Generally, under Pennsylvania law, if you can catch up on the mortgage payments before the foreclosure sale actually occurs, the foreclosure has to stop. To stop the sale, you will also have to pay court costs and the lender's reasonable attorney's fees, however.

How do I know if I am eligible to receive benefits through HAF? Homeowners must meet the following criteria to be eligible: What is the maximum amount of assistance that I can receive through Florida's HAF program? Benefits cumulatively may not exceed $50,000 per eligible household throughout the life of the program.

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 ...

Applicants who are eligible will meet the following criteria: Household income is equal to or less than 150% area median income (AMI), which varies by locality. Note: PAHAF Program priority will be given to households at or below 100% AMI.

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Homeowners' Emergency Mortgage Assistance Program: HEMAP provides financial assistance to Pennsylvania residents who face losing their primary residence through ... The Pennsylvania Homeowner Assistance Fund is a housing-related program that assists PA homeowners facing financial hardship due to the COVID-19 pandemic.HEMAP is a loan program to prevent foreclosure. It is not a grant. Funds ... Their job is to help homeowners present the most complete and accurate application ... The PAHAF program provides assistance for the following mortgage and housing-related expenses, to address mortgage delinquencies and avoid default, foreclosure ... Rural Housing Services has a foreclosure prevention program, but RHS loans are also eligible for HEMAP.) If you qualify, the program can pay the bank or ... The Foreclosure Prevention Grant Program helps homeowners who have fallen behind on mortgage payments and are at risk of experiencing homelessness. May 31, 2023 — You must be at least 60 days delinquent on your mortgage and have received an Act 91 Notice from your lender. Your home must be owner–occupied ... The Pennsylvania Homeowner Assistance Fund, or PAHAF, is a housing-related program ... Click below to fill out our mortgage intake form—your first step to seeing ... Pennsylvania law doesn't provide a post-sale redemption period. Filing for Bankruptcy. If you're facing a foreclosure, filing for bankruptcy might help. Once ... Call the National Servicing Center at (877) 622-8525; Call the FHA Outreach Center at (800) CALL FHA (800-225-5342); Persons with hearing or speech impairments ...

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Pennsylvania Home Foreclosure Prevention Package