Act 91

Homeowners’ Emergency Mortgage Assistance Program

HEMAP/Act 91 is a program that helps homeowners facing financial hardship and foreclosure get back on their feet.

How it works:
• Participants receive loans to help bring delinquent payments current
• Participants may be receive payment assistance for 24 months
Mortgage payments are made directly to lenders on the homeowner’s behalf


Homeowners must receive an “Act 91 Notice” from their lender to inform them of their delinquent status and advise them that help may be available through this program.

Deadlines set by state law require applicants to meet with designated counseling agencies 33 days from the date of the Act 91 letter in order to begin the assistance process.

In addition, applicants must:
Be Pennsylvania residents who own and occupy the property in foreclosure
• Be at least 60 days delinquent in their mortgage payments
• Be suffering financial hardship through no fault of their own
• Demonstrate reasonable abilities to resume normal mortgage payments after HEMAP/Act 91 loan assistance ends

To learn more, download the PHFA HEMAP Fact Sheet: PHFA HEMAP Fact Sheet


The Credit Counseling Center will prepare the application and submit the initial paperwork to PHFA.
Foreclosure actions cease as long as the procedural time limits are met.

The program is funded by state appropriations and loan repayments.

For more information about HEMAP/Act 91, call the Credit Counseling Center at  215-348-8003.

Call 215-348-8003 for an appointment.