Several organizations and government agencies are ready and willing to assist homeowners that are facing foreclosure. Many will help you with legal questions, negotiating with your mortgage company or finding refinancing options. From the Housing and Urban Development website —

Don’t lose your home! Here is some guidance on default and foreclosure prevention.

If your adjustable rate or interest only mortgage is about to reset, these programs may help you refinance into an affordable fixed rate mortgage.

FHASecure

Pennsylvania’s Foreclosure Mitigation Counseling Initiative – The Pennsylvania Housing Finance Agency (PHFA) has established the Foreclosure Mitigation Counseling Initiative to help interested homeowners to save their homes. Twenty-Eight counseling agencies in the PHFA Comprehensive Housing Counseling network are participating in this program.

Housing counseling agencies – counseling on buying, renting, defaults, foreclosures, credit issues and reverse mortgages

Homeowner’s Emergency Mortgage Assistance – financial assistance to individuals and families who, through no fault of their own, have fallen behind in their rent or mortgage payments.

Legal Assistance in Pennsylvania – Find free legal services in your community

The Pennsylvania Housing Finance Agency offers additional assistance through its Homeowners Equity Recovery Opportunity (HERO) as well as other programs. Another source for support is NeighborWorks, a national organization whose website offers information on sources for assistance.