Mortgage Delinquency/Foreclosure Assistance Program


In Pennsylvania, most homeowners are eligible for assistance if their mortgage becomes 60 days delinquent and they can show that the delinquency was caused through no fault of their own (job loss, divorce, illness, etc.). Under the program, mortgage lenders are required by law to mail an ACT 91 notice to the delinquent homeowner. The homeowner must then make an appointment to come to our office within 30 days of receipt of the notice. Once a counseling session is completed, a temporary hold is placed on the foreclosure proceedings.

Foreclosure Assistance Program – Mediation/Diversion

Beaver County and Lawrence County are two of 18 counties in the Commonwealth of Pennsylvania that offer distressed homeowners an opportunity to save their homes! Housing Opportunities — in cooperation with the Court — will negotiate with your lender after an intent to foreclose notice has been filed.

Upon receipt of the complaint, the homeowner has 30 days to schedule an appointment with our office. Once your appointment has been set, an immediate hold is placed on all legal proceedings for at least 60 days until a possible agreement is negotiated. Housing Opportunities will contact your lender to help you negotiate a modification agreement once your appointment is completed.

To schedule an appointment, please contact our office. During your initial consultation, you will be asked to complete an online intake form and provide other documents relevant to your situation.

The 30-day timeline to be in our office is important and cannot be compromised. Take advantage of this program if offered!