You skipped to and are entering the secondary navigation menu
You skipped to and are entering the main content
Alerts & Notices (Alertas)
  • Important Alert: PHFA employees will be working remotely until further notice in an effort to slow the spread of the coronavirus.
    As a result, all PHFA offices are currently closed to the public.
If you are not a Homeownership Professional, please go to the "HOME PAGE" to locate your resources.

HEMAP Information for Homeownership Professionals

Notice

Due to the continued effects of COVID-19, the Agency has determined that we will not accept applications to the HEMAP Program at this time. This is a result of the courts currently not processing foreclosure actions and because Section 404-C(a)(7) of the Housing Finance Agency Law states that applications must be made through a face-to-face meeting. Any applications already in process will be completed by both the counseling agencies and PHFA/HEMAP.

Also, as a result, there is no need for the issuance of Act 91 Notices at this time. If they are set up to print automatically, the programming should be adjusted accordingly.

Pennsylvania Foreclosure Prevention Act 91 of 1983

Homeowners' Emergency Mortgage Assistance Program (HEMAP) is a program to prevent mortgage foreclosure. Act 91 of 1983 requires lenders to notify their mortgagors of the Program. If the mortgagor applies within the required timeframe, no legal action should be taken until a decision is made on the application or the process becomes untimely.

FACTSHEET: This fact sheet contains important information about the legal rights of a homeowner and ways to save their home from foreclosure.

Appendices & Notices

Appendices / Act 91 Notice

Update

On April 30, 2016, PHFA has revised the combined Act 6/Act 91 Notice ("Notice") used for the Homeowners' Emergency Mortgage Assistance Program. The Act 91 Advisory Letter below provides more detail. The Notice is now required in English and Spanish and in addition, we have made translated versions available in Cambodian/Khmer, Chinese, Russian and Vietnamese for use when lenders are aware that the customer is likely to communicate in any of those alternative languages.

Advisory Notices

Update

We have made revisions to the HEMAP Policy Statement found below. This update was published in the PA Bulletin 4/30/2016 and will be codified in PA 31.201.

HEMAP Act 91 Statistical Data