If you or someone in your household has become unemployed due to COVID and your income has gone down about 30%, you may qualify for the Pandemic Mortgage Assistance Program (PMAP) through the Pennsylvania Housing Finance Agency (PHFA).
To qualify, you must:
1) Have annual income below the limit set by HUD;
2) be a homeowner;
3) need help with a first or second lien on your home.
You can submit the application and the required documents until November 4, 2020 (original deadline extended from September 30, 2020) online at https://pmap.phfa.org/ or by mail to P.O. Box 15530, Harrisburg, PA 17105-5530. You may be eligible to receive up to possibly $1,000 per month for a maximum of $6,000.
You can apply for PMAP even if you are in an existing forbearance agreement.
For more information about applying to PMAP, you can call PHFA’s call center at 1-855-827-3466 on weekdays between 8am and 5pm and follow the prompts for CARES assistance for homeowners
All Mortgage Foreclosure lawsuits are on hold in the Philadelphia Court of Common Pleas. If you have been sued and have been given a Mortgage Forbearance, a Trial Mortgage Modification or an “At Risk” reverse mortgage deferral, your mortgage company must notify the court to stop your lawsuit from going forward when the court re-opens.
Please call the SeniorLAW Center HelpLine with any questions at 215-988-1242.