Foreclosure Prevention

HUD Foreclosure Assistance

What does HUD do?

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.

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

More From HUD


PHFA – Pennsylvania Housing Finance Agency

About PHFA

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.

Since its creation by the legislature in 1972, PHFA has generated more than $14.1 billion of funding for nearly 175,000 single-family home mortgage loans, helped fund the construction of 134,507 rental units, and saved the homes of more than 49,500 families from foreclosure. PHFA programs and operations are funded primarily by the sale of securities and from fees paid by program users, not by public tax dollars. The Agency is governed by a 14-member board. * These figures were last updated on Jan, 2, 2019.

PHFA is a state-affiliated agency. Our employees do not participate in the state pension program and do not participate in the Commonwealth’s employee benefit programs. PHFA’s programs and operations are funded through the income we generate through investment activity, through program fees and through financing programs. As a mission-driven agency providing affordable housing products to the citizens of the Commonwealth, we offer programs and administer funds on behalf of state, federal government, and tax related programs and we receive fees to deliver these programs.

The PennWATCH law was enacted to enable citizens of the Commonwealth to review state related activities, funding levels and expenditures. PHFA believes that transparency is important in maintaining the trust of the citizens of the Commonwealth; therefore, PHFA publishes our corporate budget on our website and makes relevant records accessible through PennWATCH.

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.

PHFA also has a significant effect on employment. Its homeownership and multifamily rental programs offer vendors excellent business opportunities in the fields of real estate sales, development, law, construction, architecture, engineering, lending, housing management, and related disciplines. Other PHFA-related measures affect employment and industry in a wide variety of fields and professional disciplines.

PHFA, through its efforts, helps make the Commonwealth a great place to call home.

Mission Statement

In order to make the Commonwealth a better place to live while fostering community and economic development, the Pennsylvania Housing Finance Agency provides the capital for decent, safe, and affordable homes and apartments for older adults, persons of modest means, and those with special housing needs.

About Us 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.
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
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

Freddie Mac

Freddie Mac makes homeownership and rental housing more accessible and affordable. Operating in the secondary mortgage market, we keep mortgage capital flowing by purchasing mortgage loans from lenders so they in turn can provide more loans to qualified borrowers. Our mission to provide liquidity, stability, and affordability to the U.S. housing market in all economic conditions extends to all communities from coast to coast.

Freddie Mac – Avoiding Foreclosure Recourse Center