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EXHIBIT 13 - Pennsylvania Housing Finance Agency - phfa

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The document is a Monthly Section 3 Employment & Training Report for the Pennsylvania Housing Finance Agency, intended for general contractors and subcontractors. It outlines the requirements for reporting new hires, including demographic information, job categories, and compliance with established Section 3 goals of a minimum of 30% new hires from designated low-income residents. The report must be submitted monthly to the project owner and includes sections for tracking total project hours worked and Section 3 hours.

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What is the purpose of the Pennsylvania Housing Finance Agency?

The Pennsylvania Housing Finance Agency (PHFA or the Agency) offers home purchase loans with competitive interest rates and lower fees. In addition to the PHFA first mortgage, some applicants may qualify for downpayment and/or closing cost through one of our many assistance programs.

What is the Pennsylvania program that offers temporary financial help to eligible homeowners facing foreclosure?

Homeowners Emergency Mortgage Assistance Program: HEMAP provides financial assistance to Pennsylvania residents who face losing their primary residence through foreclosure.

What is the Act 91 foreclosure in PA?

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.

How do you stop a foreclosure in PA?

Generally, under Pennsylvania law, if you can catch up on the mortgage payments before the foreclosure sale actually occurs, the foreclosure has to stop. To stop the sale, you will also have to pay court costs and the lenders reasonable attorneys fees, however.

How are the Pennsylvania Housing Finance Agency programs funded?

Funding for these programs comes from a number of sources, including the sale of the Agencys securities to private investors throughout the nation, program fees, State and Federal programs, and investment earnings. PHFAs expenses are paid for by fee and investment income.

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