Foreclosure Prevention Counseling

Prevent Foreclosure

We Can Help You Prevent Foreclosure!

For Residents of Pennsylvania Only:

If you’re struggling to pay your mortgage, it’s important to know that help is available. AdvantageCCS has been helping Pennsylvania residents stay in their homes for almost 40 years. The agency’s HUD certified counselors can educate homeowners who are facing foreclosure on available assistance and can help homeowners apply for the assistance.

Homeowners participating in a foreclosure assistance counseling session can expect a certified housing counselor to begin the session by listening, so he or she can begin assessing your specific needs. The counselor will discuss with you what options are available and how to begin to apply for assistance.

Additionally, the counselor will:

  • Help you understand the complete foreclosure process and the terms associated with it.
  • Provide tips and strategies to help you work directly with your lender to prevent foreclosure.
  • Build you a personalized budget and action plan, review your credit report, and advise on local referrals and resources that may be beneficial to you.

Foreclosure Prevention Options:

Pennsylvania homeowners who are facing foreclosure have several assistance options available to them. We’ll list some assistance options below.

PA Homeowner’s Emergency Mortgage Assistance Fund:

The Homeowner’s Emergency Mortgage Assistance Program (HEMAP) is available to homeowners who receive an Act 91 notice from their lender.  Administered by the Pennsylvania Housing Finance Agency (PHFA) HEMAP is a foreclosure assistance program unique to Pennsylvania.

Under HEMAP:

  • PHFA provides the mortgage payment to lenders for homeowners who qualify.
  • Payments continue until the mortgage is current.
  • Once the mortgage is current, the homeowner is responsible for making the payments.
  • The homeowner will pay back the loan at a reduced interest rate, and payments are based on the homeowner’s income.

PA Homeowner’s Assistance Fund (PAHAF)

PAHAF was created to help Pennsylvania homeowners who are facing a hardship due to the COVID-19 pandemic. The program is funded by the U.S. Department of Treasury and is available to homeowners whose hardship began after January 21st, 2020. Homeowners with hardships that began before January 21st, 2020, but continued after that date also qualify. The fund will assist homeowners with mortgage and housing related expenses such as, delinquent utilities, etc. This will help the homeowner avoid delinquency, default, foreclosure, or displacement.

What Advantage Clients Are Saying:

“It (the session) was very educational, and I felt at ease talking openly with someone about the difficulty. I also appreciated her honesty in explaining the options.”

“You helped me to see where improved money management is required AT ALL TIMES…Going forward, I’m now better equipped. I am thankful for those in positions such as yours…half of the required…initial effort, is lowering one’s self-imposed pride and simply “BECOMING proud” to have pushed through.”

Homeowner Beware:

Because of the number of assistance programs available, there’s an increase in the number of scammers trying to take advantage of homeowners who are in crisis. There are companies who are promising an immediate fix to your mortgage problem. Remember – none of the assistance programs available require you to make any payment to a third party. If you are unsure if a program is legitimate, please contact the agency before sharing any personal information with someone.

ScheduleSchedule a Foreclosure Prevention Counseling Session:

If you are having trouble making your mortgage payments, take action to prevent foreclosure. 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. We’re here to help!