Pennsylvania Code & Bulletin
COMMONWEALTH OF PENNSYLVANIA

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The Pennsylvania Code website reflects the Pennsylvania Code changes effective through 54 Pa.B. 5598 (August 31, 2024).

12 Pa. Code § 31.309. Other program requirements.

§ 31.309. Other program requirements.

 Additional processing and application requirements will be applicable to this Program and the Agency reserves the right to provide additional guidance to borrowers, contractors and Program LPAs on its web site from time to time. The Agency may also implement additional program criteria such as the allowance of pre- and postconstruction/installation energy audits to quantify energy savings as a result of the energy efficiency contracting work performed through the Program.

Cross References

   This section cited in 10 Pa. Code §  59.15 (relating to additional notices).


APPENDIX A



All paragraphs contained within the body of the notice shall appear in
12 point font.

 Date:



Act 91 Notice* (24 point font, bold)


La Notificaci[oacute]n de Acto 91* (14 point font, bold)


Save Your Home From Foreclosure

 This is an official Act 91 Notice. You are receiving this notice because Pennsylvania law requires mortgage lenders to send it to homeowners facing foreclosure. This notice contains important legal information about your rights and how you can save your home. YOU MAY BE ELIGIBLE FOR STATE FUNDED ASSISTANCE from the Homeowner’s Emergency Mortgage Assistance Program (HEMAP), a program of the Pennsylvania Housing Finance Agency (PHFA).

CALL A COUNSELING AGENCY FOR A MEETING.
APPLYING FOR HEMAP MAY TEMPORARILY STOP A FORECLOSURE ACTION.

 To apply, you must have a face-to-face meeting with a HEMAP-approved Consumer Credit Counseling Agency within 33 days of the date of this notice. This meeting is free and is the only way to apply for HEMAP. A list of approved Counseling Agencies is attached. A list is also available at http://www.phfa.org/counseling/hemap.aspx. If after speaking with a Counseling Agency you have further questions about HEMAP, please call 1 (800) 342-2397. Individuals with hearing impairment may call 711 (RELAY).

 To make sure you meet the deadline, please call a Counseling Agency immediately to schedule a face-to-face meeting. Keep this entire Act 91 Notice, including the attached Account Summary, and have it available for your face-to-face meeting, whether done in person or remotely. A counselor can:

 • Help you apply for HEMAP and explain how the program works.

 • Talk with your lender about a loan modification or other repayment plan.

 • Explain possible options to avoid foreclosure such as loss mitigation, refinancing your loan, selling or transferring your property to a third party or having a third party cure the delinquency on your behalf through a short sale or assumption of mortgage.

 • Provide referrals for other assistance, programs or services.

 • Explain other rights you may have, including your right to assert the non-existence of the debt and any other defenses you may have.

 Even if you miss the deadline, you may still apply for HEMAP, but a late HEMAP application will not stop your lender from foreclosing. However, if your application is approved, a HEMAP assistance loan will bring your mortgage current and stop the foreclosure. HEMAP may also temporarily help you make future mortgage payments.

 Alternatively, you may save your home from foreclosure by curing your default. That means paying your lender all amounts currently due, including reasonable late charges, attorney fees and other costs and by otherwise fulfilling your mortgage obligations. You may cure the default at any time up to one hour before a Sheriff’s Sale, up to three times in any calendar year.

 If you have filed a petition in bankruptcy, this notice is provided for informational purposes only and is not an attempt to collect a debt. If you are protected by a bankruptcy filing you may still apply for HEMAP assistance.

 *CONSULTE AL DORSO LA TRADUCCI[Oacute]N DE ESTA NOTIFICACI[Oacute]N IMPORTANTE, O LLAME AL 1.800.342.2397.

 ACT 91 NOTICE       PAGE 1

 Fecha:



Notificaci[oacute]n sobre la Ley 91**


Act 91 Notice**


Salve a su Hogar de la Ejecuci[oacute]n Hipotecaria

 La presente es una notificaci[oacute]n official sobre la Ley 91. Usted est[aacute] recibiendo esta notificaci[oacute]n porque la ley de Pennsylvania requiere que los prestamistas hipotecarios la env[iacute]en a los propietarios de viviendas que se encuentren enfrentando una ejecuci[oacute]n hipotecaria. Este aviso contiene informaci[oacute]n legal importante acerca de sus derechos y de lo que puede hacer para salvar su hogar. ES POSIBLE QUE SEA ELEGIBLE PARA OBTENER AYUDA CON FONDOS ESTATALES del Programa de Asistencia de Emergencia Hipotecaria para Due[ntilde]os de Hogares (HEMAP, por sus siglas en inglés), un programa de la Agencia de Financiamiento de Hogares de Pennsylvania (PHFA, por sus siglas en inglés).

LLAME A UNA AGENCIA DE ASESORAMIENTO PARA CONCERTAR UNA REUNI[Oacute]N. LA SOLICITUD PARA EL HEMAP PUEDE DETENER DE FORMA TEMPORARIA LA EJECUCI[Oacute]N DE UNA HIPOTECA.

 

 Para presentar su solicitud, debe celebrar una reuni[oacute]n presencial con una Agenc[iacute]a de Asesor[iacute]a Crediticia para el Consumidor aprobada por el HEMAP, antes de que transcurran 33 d[iacute]as, a partir de la fecha de esta notificaci[oacute]n. Esta reuni[oacute]n es gratuita y es la [uacute]nica manera de solicitar el HEMAP. Se adjunta una lista de Agencias de Asesor[iacute]a aprobadas. También puede encontrar una lista en http://www.phfa.org/counseling/hemap.aspx. Si luego de hablar con una Agencia de Asesor[iacute]a tiene alguna pregunta sobre el HEMAP, por favor llame al 1 (800) 342-2397. Las personas con discapacidades auditivas pueden llamar al 711 (REL[Eacute]).

 Con el fin de asegurar que cumpla con el plazo, por favor llame a una Agencia de Asesor[iacute]a y programe una reuni[oacute]n presencial de inmediato. Conserve esta Notificaci[oacute]n sobre la Ley 91, con el Resumen de Cuenta adjunto, y téngalo disponible para su reuni[oacute]n presencial, ya sea en persona o de forma remota. Un asesor puede:

 • Ayudarlo a presentar su solicitud al HEMAP y explicarle c[oacute]mo funciona el programa.

 • Hablar con su prestamista acerca de una modificaci[oacute]n del préstamo u otro plan de pago.

 • Explicarle las opciones posibles para evitar la ejecuci[oacute]n de la hipoteca, como la mitigaci[oacute]n de pérdidas, la refinanciaci[oacute]n del préstamo, la venta o transferencia de su propiedad a un tercero, o que un tercero pague el atraso en su nombre, a través de una venta al descubierto o asumiendo la hipoteca.

 • Derivarlo a otro tipo de asistencia, programa o servicio.

 • Explicarle otros derechos que pueda tener, incluido su derecho de reivindicar la no existencia de la deuda y cualquier otra defensa que tenga.

 Incluso si no cumple con el plazo, es posible presentar su solicitud para el HEMAP, pero la solicitud tard[iacute]a al HEMAP no impedir[aacute] que su prestamista ejecute la hipoteca. Sin embargo, si se aprueba su solicitud, el préstamo de ayuda del HEMAP pondr[aacute] su hipoteca al d[iacute]a y detendr[aacute] la ejecuci[oacute]n. El HEMAP también puede ayudarlo, de manera temporal, a realizar los pagos de hipoteca futuros.

 También puede optar por la alternativa de subsanar el incumplimiento para salvar a su hogar de la ejecuci[oacute]n hipotecaria. Eso significa pagarle a su prestamista todos los montos adeudados a la actualidad, incluidos los cargos moratorios, los honorarios de abogados y otros costos razonables, y cumplir con sus obligaciones hipotecarias. Puede subsanar el incumplimiento en cualquier momento, hasta una hora antes de la subasta judicial, un m[aacute]ximo de tres veces por cada a[ntilde]o calendario.

 Si usted ha presentado una solicitud de quiebra, esta notificaci[oacute]n se proporciona solo con fines informativos y no es un intento de cobrar una deuda. Usted puede solicitar la ayuda del HEMAP, incluso si est[aacute] protegido por una declaraci[oacute]n de quiebra.

 *SEE REVERSE SIDE FOR TRANSLATION OF THIS IMPORTANT NOTICE OR CALL 1.800.342.2397. (10 POINT FONT)
ACT 91 NOTICE        PAGE 2

 Fecha:



ACT 91 NOTICE (12 point font, bold)


Account Summary (12 point font, bold)

   Your Loan Details: (16 Point Font, Bold)1

Name(s) on Account:

(12 Point Font)2
[Name(s)] The name(s) of the homeowner(s) and any other name appearing on the account; if the notice is being provided to additional parties not appearing on the account, the names of the additional parties shall be included under the names of the homeowner and other names appearing on the account.
(12 Point Font)3
Address of Mortgaged Property: [Address] The address of the mortgaged property.
[Address]
Account Number: [Account Number] The account number used by the mortgagee to reference the homeowner’s account.

   


   1 All Table headings shall appear in 16 poit font, bold.

   2 All Field headings shall appear in 12 point font.

   3 All account information shall appear in 12 point font unless otherwise indicated.

   How to Contact Your Lender:

Current Lender or Servicer: [Lender or Servicer Name] The name of the current Lender/Servicer for the account.
Lender or Servicer Address: [Address] The address of the current Lender/Servicer
[Address] for the account.
Lender or Servicer Phone Number: [Phone Number] The general phone number for the Lender/Servicer (i.e., a 1(800) number).
Contact Person: [Name] The name of a contact person at Lender/Servicer for the account.
Phone Number: [Phone Number] The direct phone number for the contact person for the account.
Fax Number: [Fax Number] The fax number for the contact person for the account.
Email: [Email Address] The email address for the contact person for the account.

   Default Information:

Monthly Payments Missed: [Months missed e.g., Jan. 2014-August 2014]
Total Amount Past Due: $[amount(s)]4; itemize and describe; *Please be aware that fees and costs may continue to accrue through the duration of the delinquency. An itemization of
all amounts necessary to cure the delinquency, including fees and costs. Language regarding the continued accrual of fees should appear at the end of the itemization.

 ACT 91 NOTICE       PAGE 3

   


   4 All amounts listed in this field shall appear in 12 point font, bold. The itemization and description of the amounts shall not appear in bold.

   How to Cure the Default:

Within 30 Days of the Date on This Notice: Pay $[amount]5, plus any payment and other charges that have become due to your lender or servicer by cash, cashier’s check, certified check or other means acceptable to both parties.
Send Payment and Make Payable to: [Lender or Servicer Name]Lender/Servicer name and [Address]address where the Lender/Servicer receives [Address]payment.
To Cure ‘‘Other Default’’: [describe]Action homeowner must take to remedy a default other than a financial default.
Is the Mortgage Assumable? Language indicating whether the mortgage is assumable. If the mortgage is assumable, the text in this box should read, ‘‘Yes, you may sell or transfer your home to a buyer or transferee who will assume the mortgage debt, if all the outstanding payments, charges and attorneys fees and costs are paid prior to or at the sale and if the other requirements of the mortgage are satisfied.’’ If the mortgage is not assumable, the text in this box should read ‘‘No’’ only. If the mortgage is not assumable under the terms of the contract, but the Lender is willing to discuss the possibility of allowing an assumption of the mortgage, the text in this box should read ‘‘No, but please contact your Lender to discuss
your options.’’

 ACT 91 NOTICE       PAGE 4

   



   5 All amounts listed in this field shall appear in 12 point font, bold.

Source

   The provisions of this Appendix A amended through June 13, 1986, effective June 14, 1986, 16 Pa.B. 2126; amended July 1, 1994, effective July 2, 1994, 24 Pa.B. 3224; amended June 4, 1999, effective July 1, 1999, 29 Pa.B. 2859; amended August 29, 2008, effective for notices issued on or after January 1, 2009, 38 Pa.B. 4859; amended April 29, 2016, effective April 30, 2016, 46 Pa.B. 2171; amended April 2, 2021, effective April 3, 2021, 51 Pa.B. 1824. Immediately preceding text appears at serial pages (380319) to (380323).

Cross References

   This appendix cited in 12 Pa. Code §  31.201 (relating to definitions); 12 Pa. Code §  31.202 (relating to eligibility for mortgage loan assistance); and 12 Pa. Code §  31.203 (relating to procedures).


APPENDIX B



Consumer Credit Counseling Agency
Notification of Face-to-Face Meeting

 Date:


   







    Mortgagee Name & Address

 In accordance with the Pennsylvania Housing Finance Agency’s Homeowner’s Emergency Mortgage Assistance Program (PHFA-HEMAP) (Act 91 of 1983), this is to inform you that we have been approached for mortgage counseling assistance by:









(Name and Address of Applicant)




Mortgage Loan Number

 This counseling agency has had a face-to-face meeting with the above-named applicant on


, who indicated that they are more than sixty (60) days delinquent on their mortgage payments and have received an Act 91 Notice of Intention to Foreclose dated
from:










Name and Address of Mortgagee

 In accordance with the Homeowner’s Emergency Mortgage Assistance Program, this is to inform you that:

 1. Within 30 days from the date of this notice, we intend to forward an application to the Pennsylvania Housing Finance Agency, Homeowner’s Emergency Mortgage Assistance Program on behalf of the above-mentioned applicant(s).

 2. By a copy of this Notice, we are notifying any other mortgagees, identified by the applicant(s) as also having a mortgage on the property identified above.

3. No legal action to enforce the mortgage may occur if a timely application is filed. The homeowner(s) must have a face-to-face meeting with a Consumer Credit Counseling Agency within 33 days from the date of the Act 91 Notice and an application must be received by PHFA-HEMAP within 30 days of the face-to-face meeting in order to be protected by this forbearance period.

 Name of Counseling Agency:


 Address:





 Telephone Number:



Source

   The provisions of this Appendix B amended December 13, 1985, effective December 14, 1985, 15 Pa.B. 4435; amended July 1, 1994, effective July 2, 1994, 24 Pa.B. 3224; amended June 4, 1999, effective July 1, 1999, 29 Pa.B. 2859; amended August 29, 2008, effective September 6, 2008, 38 Pa.B. 4859. Immediately preceding text appears at serial pages (256063) to (256064).

Cross References

   This appendix cited in 12 Pa. Code §  31.203 (relating to procedures).


APPENDIX C


   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

Source

   The provisions of this Appendix C adopted December 13, 1985, effective December 14, 1985, 15 Pa.B. 4435; amended July 1, 1994, effective July 2, 1994, 24 Pa.B. 3224; amended June 4, 1999, effective July 1, 1999, 29 Pa.B. 2859; amended November 2, 2001, effective January 1, 2002, 31 Pa.B. 6106; amended August 29, 2008, effective September 6, 2008, 38 Pa.B. 4859. Immediately preceding text appears at serial pages (284783) to (284811).



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