Pennsylvania Foreclosure Law 

-Any Condition, Any Situation-

Sell Your PA House Fast! Sell My PA House Fast! Get an Offer in 48 hrs!

Pennsylvania Foreclosure Law and Process

This page will tell you about the Pennsylvania foreclosure law.  The first major thing that you must know about the PA foreclosure law is that we are in a judicial state.

What that means is there is a process through the court system that your mortgage company MUST go through in order to take your house back via foreclosure proceedings.


Ok so now what?  How does the Pennsylvania foreclosure law work from here.......

• You're bank can't start the foreclosure process until you are at least 60 days late.  
• They, of course, will send you letters and some may even try to call you to remind you to make your payment before the foreclosure process starts and they take your house.
• After 60 days late, they will send you a letter to the effect that they are beginning the foreclosure process.  In this letter, they will also tell you ways you can AVOID the foreclosure.  Also, in this first letter you will receive what is called the Act 91 Notice.  Act 91 is the Homeowner's Emergency Mortgage Assitance Program (HEMAP.)  This is government help to stop foreclosure. This a state funded program that you must qualify for.  It's definitely worth checking out.
• You will now be given roughly 2 to 4 months to try to prevent the foreclosure.  I say roughly, because it really varies from mortgage company to mortgage company.  Some take their sweet time and move slower than molasses and some are very much on the ball and move very quickly.
• After this time fram (2 to 4 months) if you still have not managed to find a way to avoid the foreclosure process then your mortgage company will file a lawsuit against you for the ENTIRE balance of your loan (not just the payments you are behind.)  
• You will be notified via mail or in person.
• Now, you have roughly 20 days to respond to this lawsuit, otherwise the judge will order your house to be scheduled for sheriff's sale.

You can Avoid your foreclosure and stop it at any time, even the day of the pending sheriff's sale if you are able to bring the loan current.  Always remember that, so if you can get help from HEMAP or from family or friends, it's definitely worth a shot.  And most importantly, we are here to Buy Your PA House Fast for Cash!  Remember, when you sell your home you stop the foreclosure also!

• The sheriff will give you at least 30 days notice of the sale of your property.  You will usually see the handbill that he/she posts on your front door and they'll mail you a copy of the notice as well.
• The sale of your property is also advertised in a local paper and a legal paper.
• The sale may be postponed one time for up to 100 days after that a court order is required to postpone the sale any further.

That folks, is the Pennsylvania foreclosure law and process.  And yes, you can stop your foreclosure without filing bankruptcy.  Check out Ways to Avoid Your Foreclosure in PA here.

Remember in order for us to buy your house for cash quickly, you must live in either Berks County, Pennsylvania, Chester County, Pennsylvania, Lancaster County, Pennsylvania or Montgomery County, Pennsylvania.  

If you live in other areas of Pennsylvania we may be able to refer you to someone who can help buy your house fast for cash, but we most likely will not be able to help you personally.

Return to Sell Your Pa House homepage.

---