The Pennsylvania Mortgage Foreclosure Diversion Program is a state-run program designed to help homeowners avoid foreclosure on their mortgage. The program provides an opportunity for homeowners to enter into a negotiation with their mortgage lender to arrive at an agreement that will allow them to stay in their home. The program can also help homeowners who are already in the foreclosure process to avoid losing their home. The Pennsylvania Mortgage Foreclosure Diversion Program has two distinct types: mediation and arbitration. Under the mediation process, a neutral third-party mediator is appointed to work with the lender and borrower to reach an agreement. If an agreement is not reached, the homeowner may then choose to enter the arbitration process, where a neutral arbitrator will make a binding decision. The program is voluntary, and homeowners must agree to participate in order to take advantage of the program. It is important to note that the Pennsylvania Mortgage Foreclosure Diversion Program does not provide financial assistance to homeowners. It is solely designed to help homeowners avoid foreclosure.