HEMAP/Act 91

Homeowners’ Emergency Mortgage Assistance Program/Act 91

The Credit Counseling Center can help homeowners facing financial hardship and foreclosure get back on their feet through the Homeowners’ Emergency Mortgage Assistance Program/Act 91.

Thousands of Pennsylvania families in danger of losing their homes to foreclosure have received help from HEMAP/Act 91.

How it works:
• Participants receive loans to help bring delinquent payments current
• Participants may be eligible for continuing payment assistance for as long as 24 months
Mortgage payments are made directly to lenders on the homeowner’s behalf

The Homeowners’ Emergency Mortgage Assistance Program/Act 91 is a cost-effective means to prevent homelessness among Pennsylvanians. By giving assurance of steady mortgage payments, it allows homeowners to seek education, job training and alternate employment.

The program is funded by state appropriations and loan repayments.


To be considered for a HEMAP/Act 91 loan, homeowners must receive an “Act 91 Notice” from their lender informing them of their delinquent status and advising them that help may be available through the program.

Deadlines fixed by state law require applicants to meet with designated counseling agencies 33 days from the date of the Act 91 letter in order to begin the assistance process.

In addition, applicants must:
Be Pennsylvania residents who own and occupy the property in foreclosure;
• Be at least 60 days delinquent in their mortgage payments;
• Be suffering financial hardship through no fault of their own; and
• Demonstrate reasonable prospects of being able to resume normal mortgage payments after HEMAP/Act 91 loan assistance ends

To learn more, click here: http://www.phfa.org/consumers/homeowners/hemap.aspx


The Credit Counseling Center will prepare the application and submit the initial paperwork to PHFA.
Foreclosure actions cease as long as the procedural time limits are met.

If you are interested in this counseling, call 877-900-4222.

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