If you’re behind on your mortgage, got an Act 91 notice, or have a sheriff sale coming up, Jonar Property Solutions helps Philadelphia and Delaware County homeowners find a real way out — protect your credit, avoid foreclosure, and move on with dignity.
Know Where You Stand
Pennsylvania foreclosures go through the courts. That takes months, and every month is a chance to change the outcome.
You fall behind. Late fees start, but this is the easiest point to recover.
Before filing, most lenders must mail an Act 91 notice. You get about 30 days to meet with a free housing counselor, and you may qualify for HEMAP, Pennsylvania’s emergency mortgage assistance program.
The lender sues in the Court of Common Pleas in your county. You generally have 20 days to respond after you’re served.
In Philadelphia, owner-occupied homes go through the Residential Mortgage Foreclosure Diversion Program — a conference with your lender before any sale.
Philadelphia and Delaware County hold regular sheriff sales. Pennsylvania generally gives no right to buy the home back after the sale — so act before this step.
Call the Save Your Home Philly Hotline: (215) 334-4663. In Delaware County, contact the PA Housing Finance Agency (PHFA) or any HUD-approved housing counselor. These services are free.
If keeping the house isn’t realistic, we’ll show you how a fast, fair sale can protect your credit and any equity you have.
Timeframes are general and vary by lender, loan type, and county. This is not legal advice — talk to a Pennsylvania attorney or housing counselor about your case.
Your Options
Reinstate by paying what’s past due. Ask about HEMAP if you’ve had a hardship.
Work with your lender to change the terms and lower the payment.
A bankruptcy repayment plan can pause a sale. We’ll point you to a local attorney.
Sell as-is for cash, pay off the loan, skip repairs and fees, and keep any equity.
We take over the payments so the loan gets caught up and your credit stops taking hits.
That’s fine. One free call and you’ll know which options are still open to you.
Local to the Philadelphia Area
From Northeast Philly to Upper Darby and Chester, we help homeowners across the city and Delco.
Also serving Montgomery, Bucks & Chester counties, PA.
It costs nothing to understand your options. One honest conversation could change everything.
Get My Free, No-Obligation Offer
Or call now: (317) 721-4459