Cephas, Krajewski introduce legislation to help struggling families stay in their homes

Holding fast to their belief that housing is a human right, state Reps. Rick Krajewski and Morgan Cephas, both D-Phila., have introduced legislation to help struggling families stay in their homes.

"With COVID-19 still very much a threat, people should be staying home unless they must go out. However, there are too many individuals who don't have a place to call home," said Cephas, D-Phila. "In many cases, it's at no fault of their own but because the virus has left them unemployed and unable to make rent or mortgage payments. This legislation is just one way we're fighting to keep a roof over our most vulnerable and help Pennsylvanians get through this pandemic safely."

“Shelter is a necessity,” Krajewski said. “A person’s ability to keep a roof over their head, over their children’s heads, is tied directly to their ability to stay safe, to stay healthy. People who are struggling to make ends meet should not have to forfeit their home and with it their health and safety. And that’s why I’m introducing this legislation, so that homeowners have another option to stay in their homes, even in financially trying times.”

The legislation, which they also introduced with state Rep. Jared Solomon, D-Phila., would allow a mortgage modification to be finalized in advance of the payment of municipal liens assessed on a property. Current state law requires lien satisfaction before a mortgage modification can be finalized.

Krajewski said the legislation would make it easier for financially struggling homeowners to modify their mortgage to help them get back on their feet.

“In addition to it being the right thing to do,” Krajewski noted, “helping struggling families to stay in their homes helps the community as a whole. It keeps people who have a vested interest in their community’s well-being in the community.”

The Pennsylvania Housing Finance Agency supports the legislation.