Before a residential mortgage can be foreclosed in Pennsylvania, the lender must give a 30-day notice of intention to foreclose (also known as an Act 6 Notice). Before the lender starts foreclosure, they will generally have to send out two letters through the mail to notify you of their intent to begin foreclosure soon.In Pennsylvania, lenders must send notice of intent to foreclose letters to homeowners 30 days before the foreclosure begins. This is a formal, written agreement that temporarily increases the monthly payment until the loan is brought current. This usually requires cash down payment. The foreclosure process starts when the mortgage lender provides the homeowner with a written "Notice of Intent to Foreclose. This is an official Act 91 Notice. In Pennsylvania, the lender has to send you (the borrower) a notice of intent to foreclose at least 30 days before starting a foreclosure. The bank must send the borrower the notice of intent to foreclose at least 30 days before starting the state foreclosure process. You are receiving this notice because Pennsylvania law requires mortgage lenders to send it to homeowners facing foreclosure.
