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). In Pennsylvania, the lender has to send you (the borrower) a notice of intent to foreclose at least 30 days before starting a foreclosure.This is a serious warning of a possible sheriff's sale of your property. The bank must send the borrower the notice of intent to foreclose at least 30 days before starting the state foreclosure process. The foreclosure process starts when the mortgage lender provides the homeowner with a written "Notice of Intent to Foreclose. After 90 days, the lender will send an Act 91 notice, telling you they intend to foreclose and listing state mortgage assistance programs. First, you should be properly notified of foreclosure proceedings. Next, you must submit an answer to the lender. How does the foreclosure process work? 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.
