For Homeowners

Codes Grants Improvements Foreclosure

Are you thinking of renovating your home?

Find out if you need a permit?

Pottstown Borough Codes Link

https://www.pottstown.org/106/Building-Code-Information

Home Repair Grants

There are limited grants and zero interest loans available for income qualified households.

The Montgomery County Owner-Occupied Housing Rehab Program has a significant waiting list. More info

Habitat for Humanity of Montgomery and Delaware Counties has a home repair program that accepts applications each year for repairs later in the year. More info

Are you behind on your mortgage? Concerned about losing your home?

There are programs to help!

HUD Foreclosure Assistance

The Department of Housing and Urban Development (HUD) is the Federal agency responsible for national policy and programs that address America’s housing needs, improve and develop the Nation’s communities and enforce fair housing laws. HUD’s business is helping to create a decent home and suitable living environment for all Americans, and it has given America’s cities a strong national voice at the Cabinet level. HUD’s programs include:

  • Providing mortgage insurance to help individuals and families become homeowners;
  • Development, rehabilitation and modernization of the nation’s public and Indian housing stock;
  • Development of HUD-insured multifamily housing;
  • Development, improvement and revitalization of America’s urban centers and neighborhoods;
  • Providing rental subsidies to lower-income families to help them obtain affordable housing; and,
  • Enforcement of Federal Fair Housing laws.

HUD is assisted in carrying these various programs and in managing its own operations by a variety of independent contractors and vendors.

https://www.hud.gov/states/pennsylvania/homeownership/foreclosure

Don’t lose your home! Here is some guidance on default and foreclosure prevention.

More From HUD

Links

PHFA – Pennsylvania Housing Finance Agency

The Pennsylvania Housing Finance Agency works to provide affordable homeownership and rental apartment options for senior adults, low- and moderate-income families, and people with special housing needs. Through its carefully managed mortgage programs and investments in multifamily housing developments, PHFA also promotes economic development across the state.

In addition to its major programs, PHFA conducts housing studies, promotes counseling and education for renters and homebuyers, encourages supportive services at apartments it has financed, administers rent subsidy contracts for the federal government, and acts as an advocate to promote the benefits of decent, affordable shelter for those who need it most.

https://www.phfa.org/homeowners/foreclosure.aspx

https://www.phfa.org/counseling/hemap.aspx

PALawHelp.org

PALawHELP.org is a guide to legal information and free civil legal services for low-income persons and seniors in Pennsylvania. Here you can locate information on a variety of legal issues, as well as information on how to contact programs providing legal assistance in Pennsylvania. This includes basic eligibility and contact information for the programs proving free legal assistance in Pennsylvania.

This guide is a free service which is made possible through a grant from the Legal Services Corporation and the ongoing support of Pennsylvania Legal Aid Network, Inc. and its member programs. The web site development was created by Pro Bono Net and content in the site is maintained by Pennsylvania Legal Aid Network, Inc., in conjunction with Neighborhood Legal Services Association.

Pennsylvania Legal Aid Network, Inc. is the principal funder and oversight agency for organizations that provide legal assistance to low income residents of Pennsylvania. The Pennsylvania Legal Aid Network is a community of legal services provider organizations committed to the aspirational goal that every resident in the state will have access to the full range of legal services and legal remedies regardless of where they are in the state. Legal assistance is delivered in all 67 counties of the Commonwealth through regional programs addressing a breadth of legal matters brought forth by local clients. In addition, statewide programs funded by Pennsylvania Legal Aid Network, Inc. focus in-depth on poverty law issues that impact the poor across the state.

Pro Bono Net

Pro Bono Net is a national nonprofit organization based in New York City and San Francisco. It works in close partnership with nonprofit legal organizations across the United States and Canada, to increase access to justice for the millions of poor people who face legal problems every year without help from a lawyer. Pro Bono Net does this by (i) supporting the innovative and effective use of technology by the nonprofit legal sector, (ii) increasing participation by volunteers, and (iii) facilitating collaborations among nonprofit legal organizations and advocates working on similar issues or in the same region.

Neighborhood Legal Services Association is a private, non-profit Pennsylvania corporation established in 1966 to provide free legal services in civil cases to low-income people. The program serves the residents of four counties in Western Pennsylvania – Allegheny, Beaver, Butler and Lawrence. The program’s mission is to meet the civil legal needs of the poor and vulnerable individuals by securing the rights and obtaining the benefits to which they are entitled through effective legal representation of eligible individuals and groups. Program services include telephone advice, clinics, referral, community education, representation before administrative bodies and representation in court. Assistance from the private bar enables the program to stretch its own limited resources in numerous ways, including the Pro Bono Referral Program in which eligible clients are referred to private attorneys for free or reduced-fee representation in certain cases.

Downloadable “Preventing Foreclosure Brochure”

Property Shark

Navigating foreclosure proceedings can be a daunting task, especially as rules and regulations can vary significantly from state to state. In Pennsylvania, the legal framework for foreclosures is defined in the Pennsylvania Rules of Civil Procedure – rules 1141 to 1150 – and by the Pennsylvania Statutes Annotated Title 35 and 41. As a judicial foreclosure state, Pennsylvania only allows for foreclosure cases to be resolved within the court system., and lenders must bring a foreclosure lawsuit against delinquent borrowers.

Foreclosure Process in Pennsylvania