- 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.
HEMAP Information for Homeownership Professionals
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.
Appendices & Notices
Appendices / Act 91 Notice
- * Act 91 Advisory Notice Update - 7/2016
- ** Act 91 Advisory Letter – 4/2016
- Act 91 Notice - Appendix A (effective 4/3/2021)
- Act 91 Notice - As a fillable form (effective 4/3/2021)
- Act 91 Notice – Appendix A (4/30/2016 through 4/2/2021)
- Act 91 Notice – Appendix A (prior to 4/30/2016)
- Act 91 Notice – Cambodian/Khmer
- Act 91 Notice – Chinese
- Act 91 Notice – Russian
- Act 91 Notice – Vietnamese
- Appendix B – Counseling Agency Notice to Lenders
- Appendix C – Approved HEMAP Counseling Agencies
- HEMAP NOTICE: PHFA Issues Advisory About CFPB – 120 days
- Homeowner Assistance Settlement Act (Act 70 of 2012)
- Legal Fees - 2016 Hourly Reimbursement Rate
- Legal Fees - Reimbursement Policy
Advisory Notices
Update
On April 3, 2021, a notice was published in the PA Bulletin amending the Homeowners' Emergency Mortgage Assistance Program Guidelines. This amendment was made for the purpose of defining "face-to-face" in order to allow applications to be made through the use of available technology and makes related amendments to the uniform Act 91 Notice. The definition incorporated into the Guidelines reads as “A meeting conducted either in-person or remotely using technological means, through which the applicant and consumer credit counseling agency communicate with each other contemporaneously, both audibly and visually. These amendments will be codified in PA 31.201
- 2021 Interest Rate, Legal Fee Reimbursement Rate and Counseling Agency Update Schedule
- 2020 Interest Rate, Legal Fee Reimbursement Rate and Counseling Agency Update Schedule
- 2019 Interest Rate, Legal Fee Reimbursement Rate and Counseling Agency Update Schedule
- Act 91 Notice and Policy Statement Update 4/2016
- PHFA announces adjustment to HEMAP program rules as a result of the current period of high unemployment
- Policy Statement Update 4/3/2021 and related Act 91 Notice amendments