Civil Division Forms. Arbitration. HEMAP is a loan program to prevent foreclosure.Learn more about a HEMAP loan and how PHFA can help you keep your home. Fill out the contact form below for a help article you would like. A request ticket will be created and will reviewed as soon as possible. We are a member-owned, full-service financial institution offering better loan and deposit rates, lower fees, and the personal attention you deserve. It's worth your time because the payoff may be dollars that can reduce your costs toward college. It is your responsibility to ensure that you are requesting a payoff statement on the correct loan. Answer questions related to Skip-A-Payments, and create loan payoff letter for members or third parties.