Pennsylvania Foreclosure Help – Stop Foreclosure in Pennsylvania
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.