Foreclosure notices in Upper Darby follow Pennsylvania rules, and the clock starts earlier than many owners think. The Pennsylvania Housing Finance Agency tells homeowners to contact their servicer and a housing counselor as soon as possible. It also says a timely HEMAP application, filed within 33 days of an Act 91 notice, can pause further lender action while the application stays timely. Write the date of every notice in one place, because several deadlines can overlap.
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Kaizen Home Buyers can buy your home for cash, as-is, with no repairs, no agent commission and an offer inside 24 hours. Closing takes 14 to 30 days, or sits on the date you choose. Selling is not the only answer and we cannot stop a foreclosure case, so if you want to stay, speak with a counselor first. If you cannot keep the home, a sale you control is a different outcome from a sheriff's auction, though you still need the lender's payoff to see what is left.
In Delaware County the Sheriff's office is in the Courthouse, Room 101, 201 W. Front St., Media, at 610-891-4296. The county page links to a separate Real Estate Department page for sheriff sales. Call and ask for the sale date, the terms and the name of the plaintiff's attorney on your writ, then keep that information with your notices. Take notes on every call, with the name of the person and the date.
PHFA lists repayment, forbearance, payment deferral and HEMAP among possible retention paths, depending on the loan and the household. A homeowner who wants to stay should compare these before treating a sale as inevitable. If you decide to sell, the contract price and closing date need to be checked against what the lender's attorney says is owed. If a servicer says an application is pending, ask for that in writing.
If you sell, Upper Darby's Use and Occupancy rule applies to sales and transfers. Apply at least 14 business days before settlement. The application includes a sewer lateral certification from a licensed contractor. That means a foreclosure sale plan needs extra time in the schedule. The Department of Licenses and Inspections can be reached at 610-734-7613. Ask staff how long inspections are running now, and book a contractor for the sewer lateral early.
If selling makes sense, send the address and the dates on your notices. We look at the twin or rowhome as it stands and make a cash offer. You compare it with the payoff, the transfer tax and what an agent expects after repairs and commission. The twin or rowhome may need work, and we account for it in the number.
An accepted offer does not stop a foreclosure. Only the lender's attorney, the sheriff or the court can confirm a change. Keep answering every notice. We can aim for a closing date that fits the case timeline when the title work allows. If your sale date is close, say so in your first message. Call or text Kaizen Home Buyers at 267-329-0084.
PHFA says a HEMAP application within 33 days of an Act 91 notice can pause further lender action while it stays timely. Read your notice for the date. Ask a counselor how the days are counted.
The Courthouse, Room 101, 201 W. Front St., Media. The listed phone is 610-891-4296, and the county page links to a separate real estate page for sheriff sales.
No. The lender, plaintiff's attorney, sheriff or court must confirm any postponement.
Yes. Upper Darby's certificate rule covers sales and transfers, so the Department of Licenses and Inspections, at 610-734-7613, belongs in your timeline. Plan on at least 14 business days before settlement.
General information, not legal or tax advice. Rules change; confirm details with the office or a professional.
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