Skip Navigation
 
 
 
 
 

What if Pennsylvania Had Not Had HEMAP?

Topic Housing

Reinvestment Fund analyzed Pennsylvania’s Homeowner’s Emergency Mortgage Assistance Program (HEMAP) with support from the William Penn Foundation. The summary findings include that from 2008 to 2010, HEMAP saved more than 6,100 Pennsylvania homeowners from foreclosure. The number of homes saved from foreclosure by HEMAP amounted to between 4.6% and 5.1% of the total inventory of homes in foreclosure. The report also found that the program averted a combined $480 million in financial impact of foreclosures.

Latest Insights

 
 
News February 2026

Reinvestment Fund Winter Newsletter 2026

 
 
Impact Story January 28, 2026

Cooperative Roots, Community Impact: Manna’s Expansion in Rural Minnesota

 
 
Impact Story January 13, 2026

Building Legacy: Valry at Cleveland Brings Affordable Homes to Southeast Atlanta