Foreclosure Prevention Counseling

We Can Help You Prevent Foreclosure

For Residents of Pennsylvania Only

Struggling to pay your mortgage, going through a job-loss or have you already received a foreclosure notice? Then a free foreclosure prevention counseling session from Advantage CCS could definitely help you save your home. Here’s what you can expect from your foreclosure prevention counseling session:

  • A professional housing counselor starts by listening to you so he or she can begin assessing your specific needs.
  • If you are in danger of losing your home, you’ll learn what options are available.
  • We’ll help you understand the complete foreclosure process and the terms associated with it.
  • We’ll give you tips and strategies to help you work directly with your lender to prevent foreclosure.
  • We’ll build you a personalized budget and action plan, along with local referrals and resources that may be beneficial to you.

Understanding the Making Home Affordable Program

Homeowners facing foreclosure may be eligible for loan modifications, refinancing, or even reduced monthly payments under Making Home Affordable (MHA). MHA is a part of a government initiative to support homeowners suffering from the economic recession by helping Americans prevent foreclosure on their homes. Department of Housing and Urban Development (HUD) approved credit counseling agencies, including Advantage CCS, can give you more information on MHA and help you prevent foreclosure on your home. Foreclosure prevention counseling sessions through these agencies are sponsored by HUD so they are available for free to participants.

Understanding the Homeowners’ Emergency Mortgage Assistance Program

The Pennsylvania Housing Finance Agency (PHFA) runs a foreclosure prevention program for Pennsylvania residents, the Homeowners’ Emergency Mortgage Assistance Program (HEMAP). The program was created under Act 91 of 1983, and is the only one of its kind in the country. Under the program, the PHFA provides mortgage payments to lenders on behalf of qualifying homeowners who are in danger of losing their homes because they cannot keep up with mortgage payments. Payments are made until the mortgage is made current. At that point the homeowner is responsible for continuing to pay the mortgage, as well as repaying the HEMAP loan. HEMAP is a solution for homeowners who are experiencing temporary financial hardship, such as sudden medical bills or loss of a job. More detailed information will be provided in the foreclosure prevention counseling session.

Schedule a Foreclosure Prevention Counseling Session

If you are having trouble making your mortgage payments, the time to take action to prevent foreclosure is right now. As a Pennsylvania resident, you can get started with a foreclosure prevention counseling session today by calling our toll-free number at (866) 699-2227 or contact us via our Online Form.

You may also be eligible for one of the federal programs designed to make your home more affordable or to avoid foreclosure.

Find information about available programs through Making Home Affordable by visiting

Becoming Debt Free Starts Here

If you're struggling to make ends meet, our team of certified counselors are waiting to help you find a solution that's right for you. No matter what your financial situation may be, remember you're not alone