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Homeowners' Emergency Mortgage Assistance
Loan Program (HEMAP)

Over 28 years, the Homeowners' Emergency Mortgage Assistance Program, or HEMAP, saved the homes of more than 46,000 Pennsylvania families from foreclosure. With the conclusion of the HEMAP in 2011, changes are being made in the handling of notices by banks for instituting mortgage foreclosures. If you are a homeowner who is delinquent on your mortgage, you may want to review a joint letter by the state Department of Banking and PHFA on this subject.

At this time, PHFA's Homeowners' Emergency Mortgage Assistance Program (HEMAP) is no longer accepting applications. However, the agency is exploring other ways we may be able to help Pennsylvania families struggling to avoid foreclosure. Individuals can learn about other foreclosure prevention programs on our Additional Foreclosure Prevention Information page. Any new developments will be posted on our Web site, so please check back regularly.

Please feel free to visit our HOME page or SITE MAP to find other helpful information.