HEMAP

The Homeowner's Emergency Mortgage Assistance Program (H.E.M.A.P.) provides mortgage assistance for Pennsylvania families in
danger of losing their home to foreclosure. The program was created by Act 91 of 1983, and is the only one of its kind in the nation. It
helps homeowners who, through no fault of their own, are financially unable to make their mortgage payments regardless of income.

Program participants who receive loans to help bring delinquent payments current may be eligible for continuing payment assistance for
as long as 24 months. Under the program, mortgage payments are made directly to lenders on the homeowner's behalf.

Homeowner's Emergency Mortgage Assistance Program

Eligibility Requirements

Homeowners must receive an "Act 91 Notice" from their lender
informing them of their delinquent status and advising them that help
may be available through the program.

Applicant must be a Pennsylvania resident who owns and occupies
the property in foreclosure.

Applicant must be at least sixty days delinquent in their mortgage
payments.

Applicant should be suffering financial hardship through no fault of
their own.

Applicant must demonstrate reasonable prospects of being able to
resume normal mortgage payments after H.E.M.A.P. loan
assistance ends.

HEMAP applications are not available online at this time.
For questions, please call Maria at 610-518-1522.

To minimize time with the counselor, go to www.hemap.org
to fill out an application in its entirety prior to your
appointment. Within 48 hours of completing the application,
please contact the counselor with your user ID and
password. The application will take approximately 45
minutes to complete.

In order to protect the privacy of our clients, an appointment is required to enter our office. All applications must be mailed or deposited
in the lock box at the front door. There are no exceptions! Thank you.

Adjustable rate or interest-only mortgage?
REfinance to an Affordable Loan with First National Bank of Chester County's REAL program.