The Pennsylvania Housing Finance Agency (PHFA) offers a unique program that helps people who—through no fault of their own—are facing mortgage foreclosure: the Homeowners’ Emergency Mortgage Assistance Program (HEMAP). HEMAP helps people bring their mortgage payments up-to-date through a loan from PHFA, as long as they have a reasonable prospect of resuming full mortgage payments within two years.
The HEMAP Help Center
RHLS designed the HEMAP Help Center because a high number of HEMAP applications were not successful in obtaining loans. The Help Center assists applicants by:
- Providing information about the HEMAP program, application, and other relevant topics; and
- Offering a free and prompt online critique of their application plus constructive comments by an experienced attorney.
Reviewers at the HEMAP Help Center also look for indications that the loan in question might be a “predatory mortgage”—where a lender misled, tricked or even coerced the applicant into taking out a home loan at excessive costs and without regard to the homeowner’s ability to repay. If this is the case, RHLS makes appropriate referrals to private attorneys or a legal aid office.