HB 1882 updates Pennsylvania's rules for mortgage lenders and strengthens consumer protections in the mortgage industry. It revises licensing requirements for mortgage loan originators, clarifies exemptions from needing a license, and adds specific safeguards for borrowers. The bill directly affects mortgage lenders operating in Pennsylvania and consumers applying for mortgage loans by changing how lenders must be licensed and what protections must be provided. These changes aim to streamline licensing while ensuring borrowers receive clearer information and fairer treatment during the mortgage process.
HB 1466 requires mortgage lenders in Pennsylvania to provide mandatory housing counseling to applicants before processing reverse mortgage loans. Specifically, licensees must arrange in-person, phone, or video counseling from a HUD-approved agency, covering reverse mortgage details and alternatives, and issue a certificate documenting the session. This applies to all applicants for reverse mortgages - loans secured by home equity that don’t require repayment until later - and mandates lenders to keep counseling records for the loan’s duration. The bill directly affects mortgage lenders and reverse mortgage applicants, aiming to improve consumer understanding of this complex financial product.
HB 1574 creates a new loan program and fund to help local redevelopment authorities start community renewal projects. It establishes a Redevelopment Authority Startup Fund to provide low-interest loans for initiatives like rebuilding neighborhoods or revitalizing downtown areas. This directly affects cities and towns with active redevelopment agencies, giving them a new way to finance early-stage projects. The bill amends the Fiscal Code to set up this funding mechanism, changing how these local agencies access capital for urban renewal efforts.
HB 1650 establishes Pennsylvania's Home Preservation Grant Program, administered by the Department of Community and Economic Development. It provides grants to local governments (counties, cities, townships) to fund repairs and improvements on existing owner-occupied homes, targeting households earning 80-120% of the area median income. Grants can cover up to $50,000 per unit for habitability fixes, energy/water efficiency upgrades, or accessibility modifications, with local governments allowed to use up to 10% of funds for administration. Applications must demonstrate experience in housing rehabilitation and include plans for using funds per the bill's requirements, with priority given to projects leveraging additional funding sources.
HB 1095 modifies Pennsylvania court records to limit public access to eviction information in dockets and indices. It directly affects tenants, landlords, and court clerks by restricting how eviction history is shared while requiring the Administrative Office of Pennsylvania Courts to process these records under the new rules. The key provision creates a "limited access" system for eviction data, meaning the public cannot freely view these records as they currently can. This change applies specifically to eviction-related court documents within the state's judicial system. The bill passed the House on June 23, 2025, and was referred to the Judiciary Committee.
HB 734 amends Pennsylvania's 1951 Landlord and Tenant Act to update landlord responsibilities in tenement and multiple-dwelling buildings. It specifically adds new requirements for landlords when relocating tenants, such as providing relocation assistance during building repairs or renovations. The bill directly affects landlords in older apartment buildings and tenants who may need to move due to property improvements or maintenance. These changes clarify and strengthen existing protections for renters in multi-unit housing.
HB 1250 amends Pennsylvania's Manufactured Home Community Rights Act to protect residents in manufactured home communities. It requires community owners to allow resident associations and group meetings, and mandates 90-day advance notice for rent increases. The bill caps annual rent hikes at 2-4% (based on regional inflation data), prohibits increases during unresolved health/safety violations, and requires clear disclosure of all fees in leases. These changes directly affect approximately 150,000 manufactured home residents and community owners across Pennsylvania, aiming to prevent exploitative rent practices and stabilize housing costs.
HB 1062 creates a statewide system for tracking neighborhood blight by requiring municipalities to collect data on property maintenance violations. It establishes a Property Maintenance Code Serious Violations Registry to list properties with repeated severe maintenance issues and a dedicated funding account to support blight remediation efforts. The bill directly affects Pennsylvania municipalities, property owners, and landlords in areas designated as blighted, providing local governments with standardized data to target enforcement. Key provisions include mandatory data collection by cities/towns, a centralized registry for serious violations, and dedicated funding through the new account to aid property rehabilitation. If enacted, this would standardize blight reporting and funding across Pennsylvania communities.
HB 818 creates a program allowing first-time homebuyers in the Commonwealth to open state-backed savings accounts for down payments and closing costs. It establishes a dedicated First-time Homebuyer Savings Account Fund and requires the Treasury Department to manage the program and allocate funds. The bill directly affects eligible first-time homebuyers by providing a new savings mechanism for housing costs. Key provisions include the fund's creation, Treasury's administrative duties, and the structure for account access.
This Pennsylvania bill prohibits real estate service agreements that unfairly bind future property owners, create liens, or allow silent assignment without owner notification. It makes such agreements unenforceable, bans their recording (with misdemeanor penalties), and allows consumers to sue for damages - $5,000 minimum or actual losses, $15,000 for seniors over 60. The law directly affects homeowners and buyers who sign real estate service contracts, ensuring transparency and preventing deceptive terms. It also provides remedies including debt forgiveness, attorney fees, and court orders to void invalid agreements.
