Pennsylvania pre-foreclosure help for homeowners
Start with the free seven-options guide and official resources. If you want to discuss whether our real estate services may fit your situation, you can request a homeowner callback afterward.
No pressure and no obligation. Preforeclosures 911 is a private real estate solutions company, not a law firm, lender, government agency, or HUD-approved housing counseling agency. We are not associated with the government, and our service is not approved by the government or your lender.
The hosted form asks for basic contact information so we can respond to your request. Do not submit Social Security numbers, bank-account details, passwords, medical information, or legal documents.
The contact form is hosted by our forms provider and may be blocked by some browsers or networks. You can open it directly in a new window instead.
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If a sale date is scheduled, do not wait — call the HUD housing counselor line at (800) 569-4287.
Submitting this form does not create an attorney-client, lender-borrower, fiduciary, brokerage, or agency relationship, and it does not stop or delay any foreclosure deadline. See our privacy notice.
Start with the outcome you want
The right next step depends on your loan, timeline, equity, household goals, and local law. We start by listening, then organize the questions you need answered.
Path 01
If keeping the home is your priority, begin with your mortgage servicer and a HUD-approved housing counselor. Depending on the facts, questions may include:
Path 02
A traditional listing or an as-is sale may preserve more control than waiting for a foreclosure sale. Any offer should be compared against estimated equity, costs, timing, and alternatives — not accepted because time feels short.
Path 03
If keeping the property is not workable, a clear plan can help you compare timelines, moving needs, and the tradeoffs of each exit option without manufactured pressure.
How it works
Review seven paths worth investigating and use the official HUD and PHFA resources linked on this site.
We organize the practical questions, point you toward free official resources, and explain where our real estate services may or may not fit.
You decide whether to work with your servicer, counselor, attorney, real estate professional, us, or nobody yet.
Being straight with you
We are a private company with a commercial interest, and you deserve to know that before you talk to us. Here is the honest version.
Protect yourself
Homeowners in foreclosure are targeted by scams. These warning signs come from HUD's own foreclosure guidance — apply them to us as strictly as you apply them to anyone else.
HUD advises that you should not need to pay fees for foreclosure-prevention help, and that the money is better used to pay your mortgage. HUD-approved counseling is available at no cost to you.
HUD warns that a firm claiming it can stop foreclosure immediately, combined with a document appointing it to act for you, can mean signing over the title to your home and becoming a renter in it.
Nobody legitimate will tell you to cut off contact with your mortgage servicer. HUD's first instruction is the opposite: do not ignore the letters, and contact your lender immediately.
HUD recommends consulting an attorney, a trusted real estate professional, or a HUD-approved housing counselor before you sign anything. Read every document, and never sign a blank or incomplete one.
Source: HUD, Avoiding Foreclosure (opens in a new tab). Preforeclosures 911 is not affiliated with HUD.
Pennsylvania service areas
Explore county-specific guidance, nearby communities, official resources, and the same optional callback path.
Free official help
Government and nonprofit counseling resources can help you understand foreclosure-prevention options. You do not have to hire us to use them, and you should not have to pay for them.
HUD tells homeowners not to ignore letters from the lender, to contact the lender immediately, and to contact a HUD-approved housing counseling agency. Counseling is free to you.
Open HUD foreclosure resources (opens in a new tab)
Housing counselor line: (800) 569-4287
Homeowners HOPE Hotline: (888) 995-4673
TTY: (800) 877-8339
If you received an Act 91 notice, the Pennsylvania Housing Finance Agency states you must meet with a counseling agency and apply to the Homeowner's Emergency Mortgage Assistance Program within 33 days of the date on the notice for the foreclosure moratorium to apply. Contact an agency listed in your notice immediately and confirm all dates with PHFA.
Use the phone number shown on your mortgage statement or official correspondence. Ask what loss-mitigation application, documents, review process, and deadlines apply to your loan.
Keep copies of notices, applications, confirmations, and names or reference numbers from each conversation.
Build one dated timeline: every notice received, every call made, who you spoke with, and what they said was required. Separate confirmed dates from assumptions.
Verify any court, sheriff-sale, or auction date through official county sources rather than a third-party summary.
Common questions
Possibly, but it depends on the loan, servicer, stage of the process, income, state law, and other facts. HUD advises homeowners not to ignore letters from the lender, to contact the lender immediately, and to contact a HUD-approved housing counseling agency. If a sale date is scheduled, seek qualified legal help immediately.
No. A sale is one possible path, not the default answer. A fair review should include your goal of keeping the home and should disclose when the reviewer could profit from a sale.
No. Nobody should guarantee that result without the legal authority and facts to support it. We can help organize options and may offer a real estate solution, but lenders, courts, government programs, and applicable law control many outcomes.
No. Preforeclosures 911 is a private real estate solutions company. We are not associated with the government, and our service is not approved by the government or your lender. We do not provide legal, tax, lending, or financial advice and are not affiliated with HUD or any government agency.
HUD advises homeowners that they do not need to pay fees for foreclosure-prevention help and that the money is better used to pay the mortgage. HUD-approved housing counseling is available at no cost to the homeowner. Compare any paid offer against the free options first.
An Act 91 notice is a Pennsylvania pre-foreclosure notice that explains the right to apply for help through the Homeowner's Emergency Mortgage Assistance Program administered by the Pennsylvania Housing Finance Agency. PHFA states that a homeowner must meet with a counseling agency and apply within 33 days of the date on the notice for the foreclosure moratorium to apply. Contact a counseling agency listed in your notice right away and confirm every date directly with PHFA or the counseling agency.
Treat it as urgent. Contact your servicer, a qualified local attorney, and a HUD-approved housing counselor. Do not rely only on an online form or a private home buyer when a legal deadline is approaching.
Start with the free guide, then request a homeowner callback only if you want one.