Facing Foreclosure in Central Pennsylvania?

Understand Your Options and Find the Best Path Forward

GDL Home Solutions LLC provides homeowners in foreclosure with clear, compassionate guidance in Cumberland, Dauphin, and Lancaster Counties. We help you understand the process and explore all available solutions, including connecting you with resources or, if it's the right fit, purchasing your property directly.

About GDL Home Solutions

Your Partner in Navigating Foreclosure Challenges

At GDL Home Solutions LLC, we understand the stress and uncertainty that comes with facing foreclosure. Our primary mission is to serve as a trusted advisor for homeowners navigating this difficult situation, primarily focusing on Cumberland, Dauphin, and Lancaster Counties in Central Pennsylvania.

We believe informed decisions are the best decisions. We provide clear explanations of the foreclosure process and help you evaluate all potential options – not just selling. Our consultations are always free, confidential, and without any obligation.

While connecting homeowners with helpful resources is a core part of what we do, we also recognize that sometimes selling the property quickly and fairly is the most practical solution. In such cases, where it makes sense for the homeowner, we can offer to purchase the home directly, providing a straightforward way to resolve the situation without fees or commissions.

Our team combines local real estate knowledge with a compassionate approach, ensuring you receive honest guidance tailored to your unique circumstances within our service area.

Free Consultation

Get expert advice with no cost, pressure, or hidden fees.

Local Expertise

Deep understanding of the Central PA housing market and foreclosure process, focusing on Cumberland, Dauphin & Lancaster Counties.

Compassionate Guidance

We treat every homeowner with the respect and understanding they deserve.

Objective Advice

We help you weigh all options fairly, focusing on your best interest.

How It Works

Our Simple, Confidential Process

1

Initial Contact

Reach out via phone, email, or our website form. Tell us briefly about your situation.

2

Free Consultation

We'll schedule a confidential call to discuss your circumstances, timeline, and goals in detail.

3

Options Review

We'll explain the foreclosure process and objectively review all potential options available to you.

4

Your Decision

You decide the best path forward. We provide resources or a purchase offer if appropriate, with no obligation.

Our Approach to Helping You

Guidance, Resources, and Solutions Tailored to Your Needs

Comprehensive Guidance

We demystify the foreclosure process in Pennsylvania, explain your rights, discuss potential timelines, and define key terms so you're fully informed.

Objective Options Assessment

We'll review your specific situation impartially and help you evaluate the pros and cons of every available path (loan modification, short sale, forbearance, selling, etc.).

Resource Connection

We connect you with valuable external resources like free HUD-Approved Counselors, PA Legal Aid Network for low-income assistance, PHFA programs, and specialists for specific solutions.

Direct Purchase Solution

When selling your home directly is determined to be the best option for your situation, we can provide a fair, fast, no-obligation cash offer.

Understanding the Process, Resources & Key Terms

Knowledge is Power When Facing Foreclosure

Pennsylvania Foreclosure Process

The foreclosure process in Pennsylvania follows specific legal steps and timelines. Understanding these can help you know where you stand and how much time you might have.

For a detailed overview, consider this external guide (we are not affiliated with this firm):

View PA Foreclosure Process Guide

Helpful Government & State Resources

  • HUD Counselors: Free or low-cost foreclosure prevention counseling. Find a Counselor
  • PA Legal Aid Network: Free legal help for eligible residents. Visit PALegalAid.net
  • Making Home Affordable (MHA): Federal mortgage assistance info (Note: Some programs ended, but resources remain). Treasury Housing Programs
  • PA Housing Finance Agency (PHFA): State programs and resources. Visit PHFA.org

Common Foreclosure Terms

Default
Failure to meet the terms of your mortgage agreement, usually by missing payments.
Notice of Intent to Foreclose (Act 91 Notice)
A required notice in PA giving homeowners 30 days to seek counseling or financial assistance before formal foreclosure starts.
Foreclosure Complaint
The lawsuit filed by the lender to begin the formal foreclosure process.
Sheriff Sale
A public auction where the foreclosed property is sold to the highest bidder to satisfy the debt.
Deficiency Judgment
If the property sells for less than the amount owed, the lender might sue the homeowner for the difference (the "deficiency").
Loan Modification
A change to the original terms of your mortgage (e.g., interest rate, loan length) to make payments more affordable.
Short Sale
Selling the home for less than the total mortgage balance owed, with the lender's approval.
Forbearance
A temporary pause or reduction in mortgage payments agreed upon with the lender.

Your Options When Facing Foreclosure

Understanding the Paths Available to You

Loan Modification

A loan modification changes the terms of your existing mortgage to make payments more manageable. This might involve extending the loan duration, lowering the interest rate, or shifting from an adjustable to a fixed rate.

We can help you understand if you might qualify and connect you with resources like HUD-approved counseling agencies or specialists who assist with the application process with your lender. Federal programs like Making Home Affordable also provide resources.

Short Sale

In a short sale, your lender agrees to let you sell your home for less than the total amount you owe on the mortgage. The lender accepts the sale proceeds, potentially forgiving the remaining debt.

This is a complex process requiring lender approval. We can explain how short sales work and refer you to experienced real estate agents or companies specializing in negotiating these transactions. HUD counselors can also provide guidance.

Forbearance Agreement

Mortgage forbearance provides temporary relief by allowing you to pause or make reduced payments for a specific period. It's designed to help homeowners overcome short-term financial difficulties.

We can help you determine if forbearance aligns with your situation and guide you on how to approach your lender to request it. Organizations like PHFA or HUD counselors may offer related assistance.

Sell Your Home Directly

For some homeowners, particularly when other options aren't feasible or desired, selling the property may be the most straightforward way to resolve the situation and avoid the negative impacts of foreclosure.

If, after reviewing all possibilities, selling is determined to be the best path for you, GDL Home Solutions can offer to purchase your home directly. We provide fair cash offers based on condition and market value, handle paperwork, and can close quickly without fees or commissions.

Success Stories

How Our Guidance Has Helped Central PA Homeowners

Request Your Free Consultation

Confidential Guidance for Cumberland, Dauphin & Lancaster County Homeowners

Talk to a Foreclosure Advisor

Don't navigate foreclosure alone. Contact us for confidential, free guidance and resource connections tailored to your situation in Central Pennsylvania.

Call us (Mon-Fri, 9am-5pm): 223-278-6662

Emergency Line: 717-317-8031

Need Urgent Help? If your foreclosure auction is scheduled within the next 14 days, call this line. Please leave a voicemail if we miss your call.

Serving Cumberland, Dauphin, & Lancaster Counties

We typically respond within 24 business hours.

Frequently Asked Questions

Understanding Our Foreclosure Guidance Services

Our guidance and consultation services are completely free. We aim to provide valuable information and resource connections without adding to your financial stress. There are no hidden fees or obligations associated with talking to us.

Absolutely not. Our goal is to empower you with information. You are under no obligation to use any resources we connect you with, nor are you obligated to accept a purchase offer from us if we make one. The decision is always yours.

We typically respond to inquiries within 24 business hours (Monday-Friday). While the foreclosure process has timelines, acting sooner gives you more time to explore options thoroughly. We encourage you to reach out as early as possible.

Yes, providing a direct purchase option is one of the solutions we offer, but it's part of our broader advisory approach. Our primary goal is to help you understand all your options (like loan modification, forbearance, etc.). If, after evaluating everything, selling directly seems like the best path forward for you, we can make a fair, no-obligation cash offer based on your home's condition and the market. This option provides speed and certainty for homeowners who need it, avoiding commissions and lengthy closing processes.

Our primary focus areas for providing comprehensive guidance and services are Cumberland, Dauphin, and Lancaster Counties in Central Pennsylvania. If you are outside these counties but still in Central PA, feel free to reach out, and we can determine if we can assist or provide appropriate referrals.