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Mortgage Assistance

Mortgage Assistance

Homeowners Emergency Mortgage Assistance Program (HEMAP)

The Homeowners’ Emergency Mortgage Assistance Program (HEMAP) is a loan program designed to protect Pennsylvanians who, through no fault of their own, are financially unable to make their mortgage payments and are in danger of losing their homes to foreclosure. HEMAP funds loaned to prevent foreclosure are not a grant. These funds are a loan and must be repaid. Please note that FHA Title II (purchase) mortgages are not eligible under this program.

When approved for HEMAP assistance, a loan is created (secured by a mortgage on the property being threatened by foreclosure) to bring the delinquent payments current. Two types of assistance are available to the homeowner depending on their income and financial situation: continuing mortgage assistance loans and non-continuing mortgage assistance loans.

If a homeowner qualifies for a non-continuing mortgage assistance loan, their mortgage is brought current to a specified date and the homeowner is responsible for making all subsequent monthly mortgage payments to their lender along with a monthly payment to HEMAP. The homeowner may also be required to make cash contribution toward the mortgage delinquency at the time the HEMAP loan closes.

If a homeowner qualifies for a continuing mortgage assistance loan, their mortgage is brought current to a specified date and then HEMAP subsidizes their monthly mortgage payment to their lender.

All HEMAP loans, continuing or non-continuing, are limited to a maximum of 24/36 months from the date of the mortgage delinquency, or to a maximum of $60,000.00, whichever comes first.

For a fast overview of the program visit the Frequently Asked Questions page to receive more information about the HEMAP application process and eligibility.

How to get help in Westmoreland County

To find out if you are eligible for Homeowners Emergency Mortgage Assistance you should contact a credit counselor who will review your situation and help you apply. The following credit counselors are available to help Westmoreland County residents.

Indiana Co. Community Action Program

827 Water Street
Box 187
Indiana, PA 15701


Blueprints (formerly Community Action Southwest)

150 West Beau Street
Suite 304
Washington, PA 15301