Pennsylvania Save Our Homes Coalition
112 N. Broad St.
Philadelphia, PA 19102


February 1, 2012

Governor Thomas Corbett
Pennsylvania Capitol
Harrisburg, PA 17101

Dear Governor Corbett,

We encourage you to restart the Homeowners Emergency Mortgage Assistance Program (HEMAP) by including adequate funding for the program in the 2012-13 state budget.

HEMAP has offered protection from foreclosure for deserving Pennsylvania families for nearly 30 years until it was closed on July 1, 2011 due to budget cuts in the current state budget.

The program has provided loans to over 46,000 Pennsylvania families who got behind on their mortgages due to circumstances beyond their control.  It has allowed them to keep their homes and prevent foreclosure.  Most of these loans have been repaid and the state has actually received more funds in return from HEMAP loans than has been appropriated over the years.  Over 85% of these families have used the HEMAP loans to successfully regain their feet and keep their homes long term.

HEMAP has been a national model which has been praised by the New York Federal Reserve Bank as a potential solution to the national foreclosure crisis.  A small scale federal HUD program modeled on HEMAP provided over 3,000 Pennsylvania families loans that prevented their foreclosure during 2011.  Moody’s Investor Services have cited the availability of HEMAP to the mortgage portfolio of the PA Housing Finance Agency as a positive to the credit rating of PHFA.  They indicated that HEMAP contributed to Pennsylvania’s lower than average foreclosure rate in 2010.  The banking industry has also supported HEMAP, as it allows banks to forego acquisition of many foreclosed properties that they do not want.

As the economy of the nation and the state continue to struggle our families need the protection that HEMAP offers to prevent foreclosure.  Preventing foreclosures is good for the housing market, communities surrounding foreclosed properties and the economy.  Please include sufficient funds in the upcoming budget to allow the program to function in the coming fiscal year.  We have a special program in HEMAP and it must be maintained.



1. Pennsylvania Catholic Conference
2. Pennsylvania AFL-CIO
3. Pennsylvania Council of Churches
4. Consumer Credit Counseling Services of NE PA
5. Reverend Amy Reumann,
Lutheran Advocacy Ministry in PA
6. Patricia Hasson, President
Clarifi, Philadelphia
7. Wendell Young IV,
UFCW Local 1776
8. Patricia Lobdell,
Warren-Forest Counties Economic Opportunity Council, Warren
9. Housing Alliance of Pennsylvania
10. John Dodds,
Philadelphia Unemployment Project
11. John Meyerson,
SE PA Area Labor Federation (AFL-CIO)
12. Alan Jennings,
Community Action Committee of Lehigh Valley
13. Ann Garcia,
Community Action Development Commission, Montgomery County
14. Action Housing, Inc. Pittsburgh
15. Project HOME, Philadelphia
16. The Law Offices of Barbara A. Fein, P.C.
17. Tom Stafford,
West Oak Lane CDC, Philadelphia
18. Elizabeth Greico,
Pocono Environmental Coalition and Wildlife Society
19. Sandra Harber,
Indiana County Community Action Program, Indiana
20. Lesia Kuzma
Philadelphia Mortgage Foreclosure Steering Committee
21. NeighborWorks Association of PA, Pittsburgh
22. George Gould, Peter Schneider,
Community Legal Services of Philadelphia
23. Henry Nicholas, President
District 1199C National Union of Hospital and Health Care Employees AFSCME, AFL-CIO
24. Robert Thomas,
Tabor Community Services, Lancaster
25. James Berry,
Fair Housing Council of Suburban Philadelphia
26. Cheryl Martin,
St. Martins Center, Erie
27. Jerry Duffy,
Media Fellowship House, Media
28. Mike Coyle,
Catholic Social Services, Diocese of Scranton
29. Kathy Black,
Philadelphia Coalition of Labor Union Women
30. Thomas Paine Cronin,
AFSCME DC 47 Retirees
31. Rev. George Moore
St. Benedict Roman Catholic Church, Philadelphia
32. Commonwealth Housing Legal Services
33. Philadelphia Council AFL-CIO
34. Kati Sipp
SEIU Healthcare PA
35. Ivan Hand,
Money Management International, Reading, Whitehall, Easton, Pottstown
36. SEIU Local 668
37. Rev. Robin Hynicka,
Arch St. Methodist Church, Philadelphia
38. Korean Community Development Center, Philadelphia
39. Allison Hughes
Homeownership Counseling Association of the Delaware Valley
40. Carol Jurchenko
Neighborhood Housing Services of the Lehigh Valley, Inc.
41. Renee Glover,
Saca Development Corp, Lancaster, PA
42. George Tirebiter,
Tioga United
43. Commission on Economic Opportunity, Wilkes Barre
44. Kay Stahl,
Northeast Region, Pennsylvania Interfaith Community Programs, Inc., Hamburg
45. Frank Wilson,
Housing Opportunities of Beaver County, Inc.
46. Partnership Community Development Center, Philadelphia
47. Joe Filipski,
New Kensington CDC, Philadelphia
48. Pastor William Devlin, Chair,
Faith Coalition PA
49. Mike McKeever,
KML Law Group, P.C., Philadelphia
50. Don Kelly,
Urban Affairs Coalition, Philadelphia
51. Philadelphia Neighborhood Housing Services, Inc., Philadelphia
52. Joy Franklin,
American Credit Alliance, Inc., Morrisville
53. Dennis Phelps
Trehab Center, Montrose
54. Greater Philadelphia Asian Social Services, Philadelphia
55. Advantage Credit Counseling Service, Inc., Pittsburgh
56. Dixon House, Philadelphia
57. Bill Vandivier,
Nazareth Housing Services, Pittsburgh
58. Southwest Community Development Corp, Philadelphia
59. Housing Partnership of Chester County, Downingtown
60. Jeffrey Feeser
Schuylkill Community Action, Pottsville
61.  Molly Rush
The Thomas Merton Center, Pittsburgh
62. Stacey Graham, Esq.
Legislative Counsel, Councilman William Green, Philadelphia
63 Rob Saltzman,
Pluese, Becker, Saltzman, LLC
64. Will Gonzalez
CEIBA, Philadelphia
65. Kristin Dershem,
Butler County Housing Authority, Butler
66. Evelyn Aponte
Associacion Puertorriquenos en Marcha, Philadelphia
67. Cheri Honkala,
Poor Peoples Economic Human Rights Campaign
68. Cheryl Jacobs Law Group
69. Concilio, Philadelphia
70. HACE, Philadelphia
71. Pam Engel
RHD/American Angel Housing Counseling, Philadelphia
72. KC Ellis,
Tioga Peace and Justice
73. Joanne Monroe
Garfield Jubilee, Pittsburgh
74. Carol Tracy
Women’s Law Project, Philadelphia
75. Center for Family Services, Inc., Meadville
76. Anthony Cameron
American Credit Counseling Institute, Lehigh and Bucks counties
77. Maria Iannarelli
Esperanza, Philadelphia
78. Rightsized Homes, LLC
79. Santo Gairo,
A Woman’s Place, Doylestown
80. Arbor Housing and Development, Wellsboro
81. Lance Haver, Director of Consumer Affairs, City of Philadelphia
82. Irv Akelsberg, Esq. Langer Grogan and Diver, PC



site design KC Ellis