Pennsylvania Homeowners Assistance Fund (PAHAF)
We invite any person with a recent Act 91 to contact us for an appointment at once. If you received an Act 91 recently, we can assist you to apply for the HEMAP program and for the PAHAF Pilot Program as well. Please read more below.
Under the federal American Rescue Plan (ARP) of 2021, Pennsylvania was allocated $350 million from the Homeowner Assistance Fund (HAF). This money is to be used to assist homeowners impacted by the coronavirus pandemic to help them avoid mortgage delinquency, default, foreclosure, delinquent property taxes, loss of utilities, or home energy services, and displacement. This financial relief is intended for homeowners facing financial hardship after January 21, 2020. PHFA is currently working to develop our Pennsylvania HAF plan for submission to the U.S. Department of the Treasury for its approval and is also conducting a PAHAF Pilot Program, with limited availability. It is anticipated the PAHAF Pilot Program will expand beyond the initial phase, once the technological solutions are fully operational.
Until the PAHAF program expands, only those invited by PHFA to participate or individuals with a recent Act 91 are eligible. If you were invited or have received an Act 91, please contact us at 484-427-2229 during our office hours (9 am to 3 pm), text us at 267-401-0414 (at any time), or visit our website and use our Contact page to assist you.
HUD grants, State and Local grants, and other financial assistance available. See our Financial Help page – next to the HOME page above or Click Here.
►Yes, we offer help to pay your mortgage, your utilities, Internet and some other debts.
►Yes, we offer mortgage Default and Foreclosure education, and counseling and Court Mediation for Civil Complaints and Sheriff’s Sales.
►Yes, we do HEMAP applications if you have an Act 91 and a loan modification application, if applicable.
►Yes, we can help you to improve your credit,
►Yes, we can help you to work with your budget, debts, and finances.
►Yes, we offer New Home Buyers education, certificates, and Down Payment assistance.
►Yes, we can help you with late rents.
Application and documentation are required to evaluate your case. You may qualify for more than one program.
También hablamos Español (llame al teléfono 484-427-2229 9am to 12 pm durante la semana o envie un texto al 267-401-0414. Incluya su número de teléfono, los servicios que necesita, y correo electronico en su texto.
If you got an Act 91 Notice, we would like to see you today, if possible. Call us at 484-427-2229 (9am-3pm – Current office hours Mon-Fri). Text us at 267-401-0414, or use our Contact ACCI page to send us a message. Please do NOT WAIT.If you have an Act 91, contact us at one of our telephones above or come to our Norristown office at once to begin the process to save your home. Our office is located at 603 Swede Street in Norristown PA (we are open 9am-12pm weekdays) to take care of you.
After office hours, or if you cannot make it to our office, we offer remote and telephone services.
Our Mission
The mission of American Credit Counseling Institute In, (ACCI) is to help low to moderate income individuals and families to maintain a permanent roof over their heads. A place that, individuals, families. and their children can call home, and where they feel safe and can thrive. Our mission is accomplished through education, case management, coaching, monitoring, and counseling.
Pennsylvania Housing Counseling Services
Are you determined to be a home owner? Do you need a certificate to qualify for your mortgage loan, for a special grant or down payment assistance? Do you dream to become a homeowner one day, but need to learn more about how to make your dream a reality? Would you like to become a home owner, but believe that it will never be possible?
If you answer yes to any of the questions above, we may be able to help you.
Learn More by visiting the New Homeowners Certificate and Training information page.
Down Payment Assistance available from various sources.
Please contact us for an appointment session to evaluate your case.
Do you know? That it is your right under Federal and State law, as well as your mortgage contract, to attempt “curing default.” Here’s where we step in to provide options & assist you in doing just that.
DID YOU RECEIVE AN ACT 91, ACT 6, or ARE BEHIND ON YOUR MORTGAGE PAYMENT OR BELIEVE THAT YOU MAY BECOME BEHIND SOON? Our agency may be able to help you. If you are having trouble making your mortgage payments, or if you received a Notice from your mortgage servicer or an attorney for the mortgage servicer threatening to initiate foreclosure action or an ACT 91 notice, you should immediately contact us. Do not delay contacting us – time is of the essence.
If you have a conventional mortgage, an Act 91 notice is the first step for your lender or the servicer of your mortgage loan to begin foreclosure action. Even if you are dealing with the lender to try a loan modification, once you receive an Act 91, you must see a certified Housing Counseling Agency like us as soon as possible to delay or stop the foreclosure action. You MUST contact us for an appointment at once.
Do not postpone it; if you do, it may cost you additional thousands of dollars to save your home. Sometimes people call their servicers and talk to inexperience tellers that give them the wrong answer. The answer is in your Notice. Read it. Read that Act 91 or Act 6 to learn what to do. Contact us at 484-427-2229 to schedule an appointment at once. These services are free.
FHA mortgages clients do not usually receive Act 91, but they receive an Act 6 and a letter from the lender. VA and USDA (rural development) mortgage loans’ clients do not usually get an Act 91 notice, but they do qualify to apply for the HEMAP program.
Contact American Credit Counseling Institute for help. Our agency will analyze your financial situation and will discuss with you possible course of action. Do not delay, call us at 484-427-2229 immediately to schedule an appointment at one of our offices. Check our offices’ addresses under “Our Offices” page.
Two sources for assistance available for Home-owners that qualify.
Please schedule an appointment to evaluate your case.