Stop Foreclosure in Pennsylvania: Expert Help for PA Homeowners

Are you a Pennsylvania homeowner falling behind on mortgage payments? You are not alone. Since 1997, United Capital Mortgage Assistance (UCMA) has helped thousands of homeowners—including many across Pennsylvania—save their homes from foreclosure. Whether you have received an Act 91 Notice or have a Sheriff Sale date scheduled, immediate action is your best defense.

Understanding Pennsylvania Foreclosure Laws (Act 91)

Pennsylvania has specific laws designed to protect homeowners, but you must act quickly.

• The Act 91 Notice: In PA, lenders must generally send this notice before starting foreclosure. It gives you 33 days to meet with a credit counselor or apply for assistance.
• Judicial Foreclosure: Pennsylvania is a judicial foreclosure state, meaning the lender must file a lawsuit in court to take your home. This gives you time to fight back, but you need the right representation.

Need Immediate Help? Call UCMA at 1-800-474-1407 for your Free No-Obligation Consultation or Click Contact UCMA and we’ll call you! Trusted by Thousands Since 1997.

Official Pennsylvania Government Resources

As part of our commitment to transparency, we encourage you to explore state-sponsored assistance options:

• Pennsylvania Housing Finance Agency (PHFA): The state agency that administers the HEMAP program. Visit PHFA Website
• HEMAP (Homeowners’ Emergency Mortgage Assistance Program): A state loan program designed to help Pennsylvanians who are behind on their mortgage through no fault of their own. Visit phfa.org/counseling/hemap.aspx
• PA Law Help: A guide to free legal information and legal services in Pennsylvania. Visit PALawHelp.org

Why Choose UCMA?

While government programs are helpful, they are often overwhelmed and slow. UCMA works directly for you, not the bank.

• 25+ Years of Experience:We have been resolving mortgage delinquencies since 1997.
• Full Representation: We handle the paperwork, the phone calls, and the difficult negotiations with your lender so you don’t have to.
• Proven Results: We have successfully negotiated loan modifications and stopped foreclosure auctions for clients who were previously denied by their banks.
• Read our Success Stories: See how we’ve helped others on our Client Testimonial Page

Frequently Asked Questions (PA Homeowners)

Q: What should I do if I received an Act 91 Notice? A: Act immediately. You have roughly 30 days to seek counseling to pause the legal process. Contact us at 1-800-474-1407 to discuss your options for a loan modification.

Q: Can I stop a Sheriff Sale in Pennsylvania? A: Yes. Even if a sale date is set, it is possible to stop it by filing for a loan modification or other loss mitigation options. However, waiting until the last minute decreases your chances of success.

Q: Do I need a lawyer to stop foreclosure in PA? A: While you can hire a lawyer, it is not always necessary for securing a loan modification. UCMA specializes in the financial negotiations required to modify your loan terms, often at a lower cost than retaining a litigation attorney.

Don’t Let the Bank Take Your Home. Get a free, no-obligation analysis of your situation today.

• Call Us: 1-800-474-1407 or Click Contact UCMA and we will call you!
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• Read More: Visit the UCMA Blog for the latest tips on foreclosure prevention.