Mortgage Assistance When
You Can't Pay Your Mortgage
Did you know there are programs out there that will make your
mortgage payments for you when you get into financial trouble?
Pennsylvania law, 35 P.S. § 1680.401 et seq., states it will
provide "mortgage assistance payments to homeowners who are
in danger of losing their homes through foreclosure and through
no fault of their own and who have a reasonable prospect of resuming
mortgage payments within the prescribed time frame."
Pennsylvania calls it the "Homeowners' Emergency Mortgage
Assistance Program." To find out if there are programs like
this in your area, contact the local HUD approved Housing Counseling
agencies. To find your closest agency, contact your state housing
office, the Housing Counseling Center locator at 1-888-466-3487;
www.hud.gov/offices/hsg/sfh/hcc/hcc_home.cfm,
or Housing Counseling Clearinghouse, P.O. Box 9057, Gaithersburg,
MD 20898; 800-217-6970; Fax: 301-519-6655.
If your local agency doesn't have money to pay your mortgage, they
will certainly help you work out other arrangements with your mortgage
company.
