Hemap 2025

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  2. Add the Hemap for redacting. Click on the New Document button above, then drag and drop the sample to the upload area, import it from the cloud, or using a link.
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HEMAP is a loan program to prevent foreclosure. It is not a grant. Funds loaned must be repaid. Recipients must be able to show that they have a reasonable prospect of resuming full mortgage payments within the required timeframe.
The Pennsylvania General Assembly enacted Act 91 in December 1983, which created HEMAP a state-funded program designed to assist homeowners who are suffering financial hardship and are temporarily unable to pay their mortgage due to circumstances beyond their control.
Homeowners Emergency Mortgage Assistance Program: HEMAP provides financial assistance to Pennsylvania residents who face losing their primary residence through foreclosure.
These government agencies may include entities like Ginnie Mae, FHA, USDA, and the VA. How can your mortgage servicer help you? If you are having trouble with your mortgage, your servicer will try to understand your situation. If there is a hardship, your servicer will explore mortgage assistance options with you.
It ensures that a Pennsylvania homeowner knows their home is being foreclosed upon. An Act 91 notice is sent to a homeowner with a conventional mortgage when they are at least 3 months delinquent.
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HEMAP is a loan program to prevent foreclosure. It is not a grant. Funds loaned must be repaid. Recipients must be able to show that they have a reasonable prospect of resuming full mortgage payments within the required timeframe. HEMAP is funded by State appropriations and through repayment of existing HEMAP loans.

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