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NOIs, NOAs, NODs 2018

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Who is entitled to notice of intention to foreclose under Act 91?

A. A borrower with an FHA insured Mortgage

B. A borrower with a conventional Mortgage who has arrears of $59,999.99 and is 12 months delinquent

C. A borrower with a commercial Mortgage

D. A borrower with a conventional first Mortgage in default for 25 months and a second Mortgage held by PHFA in default for 27 months, but no other liens encumbering the subject property.

E. All of the above

F. None of the above

Which of the following would apply under Act 91 (Select all that apply)

A. Mortgagor(s)

B. A reverse mortgage where 1 or more mortagor(s) are alive

C. Surviving Mortgagor(s)

D. Vacation Home

E. All of the above

The new Act 91 Notice template contains a warning to borrowers that the Mortgage may be accelerated

True

False

Act 91 does not apply if the Mortgage is less than 24 months delinquent

True

False

Regardless of the lender, monthly mortgage payments are always due on the 1st or 15th of every month

A. True

B. False

FDCPA letters are required for all Pennsylvania foreclosure scenarios

A. True

B. False

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