Pre-foreclosure help in Delaware County, Pennsylvania
Start with a free education guide, then request a homeowner callback if you want to discuss whether our real estate services may fit your situation.
Education first, with no pressure and no obligation. No company can guarantee that foreclosure will stop. Preforeclosures 911 is not associated with the government, and our service is not approved by the government or your lender.
Local homeowner guidance
Delaware County homeowners may be balancing missed payments with taxes, repairs, family moves, or a fast-moving legal timeline. A useful review starts with the homeowner's preferred outcome—not an assumption that the property must be sold.
Delaware County's official website is the appropriate starting point for current county departments, court information, sheriff information, and public contacts. Verify every date shown on a notice directly with official sources.
County-specific planning
These examples are general planning considerations, not legal or property-value conclusions.
Twins, rowhomes, condominiums, and detached properties can have different buyer, association, repair, and title questions. Gather association information when applicable and identify any occupancy or tenant issues early.
A homeowner facing repairs or a compressed timeline should compare a traditional sale and an as-is offer using likely net proceeds and closing certainty. Do not let urgency replace independent review.
If keeping the home remains the goal, begin with the mortgage servicer and housing counseling. If a sale is being considered, verify payoff figures, liens, taxes, and moving needs before choosing a closing date.
Compare the paths
Ask the mortgage servicer and a HUD-approved housing counselor about any available repayment, forbearance, modification, or other loss-mitigation review.
A traditional listing or an as-is sale may be worth comparing when timing and equity permit. Review estimated proceeds, costs, contingencies, and alternatives.
If keeping the property is not workable, organize the timeline, moving needs, occupancy questions, and independent professional advice before signing documents.
Being straight with you
We are a private company with a commercial interest, and you deserve to know that before you talk to us.
Official and independent help
County schedules and program information can change. Use the homeowner's current notice and confirm details directly with the servicer, court, sheriff, counselor, or qualified attorney.
Check the official county source for current real-estate sheriff-sale information. A scheduled listing is not proof that a sale occurred, and mortgage-foreclosure sales are different from tax sales.
Review the official county or court resource, then confirm current eligibility, procedures, and case-specific effects. No program or application guarantees that a sale will be postponed or foreclosure avoided.
If an Act 91 notice arrives, the Pennsylvania Housing Finance Agency states that the homeowner 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 the notice immediately and confirm every date with PHFA.
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 the homeowner.
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
Preforeclosures 911 is not affiliated with the county, sheriff, courts, PHFA, HUD, or any linked government program. Links are provided for the homeowner's own use.
Delaware County questions
Possibly. Available paths depend on the loan, servicer, income, stage of the process, Pennsylvania law, and other facts. Contact the mortgage servicer and a HUD-approved housing counselor promptly.
A sale may be one possible path, depending on ownership, liens, equity, timing, and the legal status of the property. Compare a traditional listing, an as-is offer, and alternatives before agreeing to a transaction.
Treat the matter as urgent. Contact the mortgage servicer, a qualified Pennsylvania attorney, and a HUD-approved housing counselor. Confirm dates through official county sources and do not rely only on an online form.
No. Submitting the form does not stop, postpone, or change any legal deadline or lender action.
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.
Request a homeowner callback
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. If a sale or legal deadline is scheduled, do not wait for an online response.
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.
Open the form in a new window (opens in a new tab)
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 does not stop any foreclosure deadline. Review our privacy notice.
Nearby Pennsylvania service areas
Start with the outcome you want and compare your options without manufactured pressure.