Mortgages are first a type of contract. While laws have been enacted that protect the homeowner from quick foreclosure judgments and sheriff sales, their essential rights remain the same. So, the only relief from the state is known as the Homeowners Mortgage Assistance Program (HEMAP) created in 1983. It is also known as Act 91. Applicants may be able to borrow money from HEMAP to help with their mortgages for up to 24 months.
You should speak to a lawyer in your area who, like me, offers a free initial consult.
Answered on Mar 23rd, 2013 at 8:32 AM