Pennsylvania is a judicial foreclosure state requiring court action. PA law mandates an Act 91 notice and provides a Homeowner's Emergency Mortgage Assistance Program. Free consultation.
Pennsylvania is a judicial foreclosure state under Pa. R.C.P. 3100 with a unique HEMAP program (Homeowner's Emergency Mortgage Assistance Program). Timeline: 270-365+ days. PA offers no statutory right of redemption but HEMAP provides up to 24 months of mortgage assistance. Deficiency judgments are allowed but limited by the Deficiency Judgment Act (42 Pa.C.S. §8103).
PA's HEMAP provides emergency mortgage assistance loans up to $60,000. Apply within 30 days of Act 91 notice. If you apply, the foreclosure is stayed pending HEMAP determination. Process: (1) lender sends Act 91 notice, (2) you have 30 days to apply for HEMAP, (3) if approved, HEMAP pays mortgage for up to 24 months, (4) judicial foreclosure proceeds if denied. HEMAP is unique to PA.
Lender sends Act 91 Notice with 30 days to apply for HEMAP. This is critical — apply immediately. HEMAP can provide up to $60k and 24 months of payments.
Lender files complaint. You have 20 days to answer. PA has one of the longest judicial timelines — 9-12+ months from complaint to sale.
No statutory redemption in PA. Deficiency limited by Deficiency Judgment Act — lender must file within 6 months and prove property value.
Up to $60k / 24 months mortgage assistance. Unique to PA.
42 Pa.C.S. §8103 — deficiency limited to FMV difference.
270-365+ days — maximum time for alternatives.
No post-sale redemption. Act before sheriff's sale.
No dollar cap — protects full equity in bankruptcy.
One of the longest in the country.
Apply within 30 days of Act 91 notice. Up to $60k assistance.
Use PA's long timeline and HEMAP to negotiate.
Automatic stay + unlimited homestead exemption.
Challenge Act 91 notice compliance in court.
Negotiate during PA's long timeline.
Audit for PA Act 91 and R.C.P. 3100 violations.
HEMAP up to $60k — apply within 30 days. Free, confidential review.
Pennsylvania requires judicial foreclosure — the lender must file a complaint in court. PA's Act 91 requires lenders to send a notice about the Homeowner's Emergency Mortgage Assistance Program (HEMAP) at least 30 days before filing. The process typically takes 9-12 months.
Lender must send Act 91 notice 30+ days before filing. Explains HEMAP assistance available.
Lender files in court. Homeowner has 20 days to respond. Court issues judgment if no defense.
Property sold at auction. Deficiency judgments allowed but limited by Fair Market Value defense.
Pennsylvania's HEMAP program can provide up to 24 months of mortgage assistance. Free consultation to help you apply.