Foreclosure Mitigation Counseling Initiative

The Pennsylvania Housing Finance Agency (PHFA) has established the Foreclosure Mitigation Counseling Initiative to help interested homeowners to save their homes. Twenty-Eight counseling agencies in the PHFA Comprehensive Housing Counseling network are participating in this program.

Mortgage foreclosure mitigation assistance will be made available to homeowners of owner–occupied homes with mortgages in default or in danger of default. These mortgages may be subject to a foreclosure action. Homeowners will be provided with such assistance that will consist of activities that are likely to prevent foreclosures and result in the "long-term affordability" of the mortgage or other positive outcomes for the homeowner.

The counseling sessions associated with this initiative are free services to the homeowner and will involve a reasonable analysis of the borrower's financial situation, an evaluation of the current value of the property that is subject to the mortgage, and/or counseling regarding the possible purchase of the mortgage in question. Consumers will also be given information regarding the use of Homeowners' Emergency Mortgage Assistance Program (HEMAP), Refinance to an Affordable Loan Program (REAL), and the Homeowners' Equity Recovery Loan Program (HERO). Counseling and advice of all likely restructuring and refinancing strategies or the approval of a workout strategy by all interested parties is required.

Interested homeowners should contact a participating counseling agency to set up an appointment.

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Search for a Foreclosure Mitigation Counseling Agency

• Complete list of PHFA Foreclosure Mitigation Initiative Counseling Agencies Statewide
• Additional Foreclosure Prevention Information

Choose a County Adams Allegheny Armstrong Beaver Bedford Berks Blair Bradford Bucks Butler Cambria Cameron Carbon Centre Chester Clarion Clearfield Clinton Columbia Crawford Cumberland Dauphin Delaware Elk Erie Fayette Forest Franklin Fulton Greene Huntingdon Indiana Jefferson Juniata Lackawanna Lancaster Lawrence Lebanon Lehigh Luzerne Lycoming McKean Mercer Mifflin Monroe Montgomery Montour Northampton Northumberland Perry Philadelphia Pike Potter Schuylkill Snyder Somerset Sullivan Susquehanna Tioga Union Venango Warren Washington Wayne Westmoreland Wyoming York    

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NOTE: For more information, questions, or concerns regarding this list such as adding or updating your organization's information, please contact Andrea Cunningham at 717.780.3839. Homeowners interested in scheduling an appointment should contact a participating counseling agency from the list for the county you live in.