Finding Foreclosure Help in Pennsylvania

Foreclosure prevention counseling services are provided free of charge by nonprofit housing counseling agencies working in partnership with the Federal Government. These agencies are funded, in part, by HUD and NeighborWorks® America. There is no need to pay a private company for these services.

Philadelphia Regional Office

The Wanamaker Building

100 Penn Square East

Philadelphia, PA 19107-3380

Phone: (215) 656-0500

Fax: (215) 656-3445

TTY: (215) 656-3452

Brenda Laroche

Deputy Regional Administrator

Office Hours: 8:00 a.m. to 4:30 p.m.

Monday through Friday

Pittsburgh Field Office

William Moorhead Federal Building

1000 Liberty Avenue, Suite 1000

Pittsburgh, PA 15222-2507

Phone: (412) 644-6428

Fax: (412) 644-6499

TTY: (412) 644-5747

Cheryle E. Campbell

Field Office Director

Office Hours: 8:00 AM to 4:30 PM

Monday through Friday

Our Philadelphia Homeownership Center insures single family FHA loans and oversees the sale of HUD homes. The Philadelphia Homeownership Center serves the states of Connecticut, Delaware, District of Columbia, Maine, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia, West Virginia.

Phone: (800) 225-5342 TTY/TDD: (877) TDD-2HUD or (877) 833-2483 Email: info@fhaoutreach.com

Pennsylvania Foreclosure Laws Summary

Quick Facts:

• Judicial foreclosure process is available.
• Non-judicial foreclosure process is not available.
• The primary security instruments are mortgages.
• The timeline can vary by process, which typically takes 90 days.
• The borrower has no rights of redemption.
• The lender may sue for deficiency judgements.

Those lenders in Pennsylvania use the judicial process when foreclosing mortgages in default.

Judicial Foreclosure

The foreclosure process in Pennsylvania requires a notice of intent to foreclose the property. The lender must send this to the borrower by first class mail. The conditions for sending this must be that the borrower is 60 days late when it comes to their mortgages.

The notice of foreclosure includes the following information:

• Current default of the borrower
• The decision of the lender to accelerate the payments given that the default is not paid within 30 days.

If the default is left unpaid within the time frame of 30 days, the lender has the right to file a lawsuit. Then, the court order to foreclose will follow when approved by county court.

Once the property is up for foreclosure, the court decides on the sale. The Sheriff of the county where the property is located is in charge of the auction. The highest bidder will take the property foreclosed. The borrower is given a last chance to pay his default up to 1 hour before the actual sale occurs.

The lenders may file deficiency judgement up to 6 months. On the other hand, the borrowers have no right to redeem the property after the sale.