Pennsylvania service area
Bucks County
Local pre-foreclosure guidance, official county resources, nearby communities, and an optional homeowner callback request.
View Bucks County helpPennsylvania pre-foreclosure help
Local homeowner options across six Pennsylvania counties.
Behind on mortgage payments or concerned about foreclosure? Read the free guide, then use your county page to verify the timeline and compare paths to keep, sell, or transition from the home.
Education first, with no pressure and no obligation. Preforeclosures 911 is not associated with the government, and our service is not approved by the government or your lender.
Choose your location
County-specific information, not generic doorway pages.
Each page provides locally relevant context, official county links, nearby communities, urgent-deadline guidance, and the same transparent commercial disclosures.
Pennsylvania service area
Montgomery County
Local pre-foreclosure guidance, official county resources, nearby communities, and an optional homeowner callback request.
View Montgomery County helpPennsylvania service area
Chester County
Local pre-foreclosure guidance, official county resources, nearby communities, and an optional homeowner callback request.
View Chester County helpPennsylvania service area
Delaware County
Local pre-foreclosure guidance, official county resources, nearby communities, and an optional homeowner callback request.
View Delaware County helpPennsylvania service area
Lehigh County
Local pre-foreclosure guidance, official county resources, nearby communities, and an optional homeowner callback request.
View Lehigh County helpPennsylvania service area
Northampton County
Local pre-foreclosure guidance, official county resources, nearby communities, and an optional homeowner callback request.
View Northampton County helpA practical starting point
Organize the facts before choosing a solution.
Confirm the timeline
Collect notices, servicer correspondence, case information, and any scheduled sale date. Verify legal dates through official sources.
State the preferred outcome
Keeping the home, selling before a deadline, and planning a transition lead to different questions and professional resources.
Compare alternatives
Review servicer programs, counseling, legal guidance, listing, and as-is sale possibilities without accepting a guaranteed-rescue claim.
Being straight with you
What we do — and what we will not do.
We are a private company with a commercial interest, and you deserve to know that before you talk to us.
What we do
- Listen to your situation and help you build a clear timeline
- Point you to free HUD-approved counseling and official resources
- Explain the options we know about, including ones we do not profit from
- Tell you plainly when we could profit from a transaction
- Leave the decision, and the timing, with you
What we will not do
- Guarantee that a foreclosure, sheriff sale, or eviction will stop
- Give you legal, tax, lending, bankruptcy, or financial advice
- Tell you to stop talking to your mortgage servicer
- Ask you to sign over your deed or title to get help
- Claim any government, HUD, lender, or court affiliation
Free official help
Use trusted resources alongside any private company.
You do not have to hire us to use these, and you should not have to pay for them.
Act 91 notices and HEMAP
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-approved housing counseling
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
Call your mortgage servicer
Use the phone number on the mortgage statement or official correspondence. Ask what loss-mitigation application, documents, review process, and deadlines apply to the loan.
Keep copies of notices, applications, confirmations, and names or reference numbers from each conversation.
Check the county source
Court, sheriff-sale, and recording information is held at the county level. Open the county page for the property to reach the official county links.
Pennsylvania questions
What homeowners ask first
Do I have to pay for foreclosure help?
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.
I received an Act 91 notice. What does that mean?
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.
Which county page should I use?
Use the county where the property is located, because court, sheriff, and recording information is kept at the county level. Bethlehem spans Lehigh and Northampton counties, so confirm the property's county from the address and parcel information before relying on any county calendar.
Request a homeowner callback
Ask for a conversation about Pennsylvania.
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.
Having trouble loading the form?
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.
Start with your county and your preferred outcome.
Clear information, official resources, and no guaranteed promises.