Regain steady ground

Housing stability | Foreclosure prevention

When a financial setback threatens your home or your peace of mind, myWaypoint Anchor is beside you. Whether you are behind on your mortgage, facing foreclosure, or weighing whether bankruptcy is the right move, our counselors help you understand every option clearly and take the next step with confidence. We have walked this road with Pennsylvania families for more than 30 years.

Who we help

You have more options than you might think. myWaypoint Anchor is for anyone at a difficult turning point with their home or their finances. We review your full picture, explain every path in plain language, and stay with you until you are on steadier ground.

Since 2008, myWaypoint has been the go-to organization to save Bucks County families from foreclosure. We work closely with you and your lender to help save your home.

Received an  Act 91 notice?

Reach out within 33 days

While your application is under review, Pennsylvania law prevents your lender from taking further action. The sooner you call, the more options stay open to you.

Behind on your mortgage?

A missed payment does not have to become a lost home

We advocate directly with your lender and servicer, for as long as it takes, and match you with the best available path forward.

What you receive:

A private session with a HUD-Certified Housing and Credit Counselor

A Tri-Merge Credit Report Review across all three reporting agencies

A Personalized Budget and Spending Plan covering income, expenses, assets, and debt

A Client Action Plan with concrete next steps tailored to your situation

Direct lender and servicer advocacy on your behalf, for as long as it takes.

Frequently asked questions

How much does this counseling cost?

There is no fee for counseling services at myWaypoint with the exception of bankruptcy counseling which costs $39 per individual / per couple.

I received an Act 91 notice. What should I do?

An Act 91 notice is a formal warning that your mortgage is seriously past due. Contact myWaypoint within 33 days of the notice date. Once we begin your application, Pennsylvania law prevents your lender from moving forward with foreclosure while your case is under review. The counseling is free, and the sooner you call, the more options stay open, from loan modification to reinstatement.

Do I have to file for bankruptcy if I come in for the counseling?

Not at all. Many people come in unsure and leave with options they had not considered. If bankruptcy is required or right for you, myWaypoint is DOJ-approved and reviews every alternative first. We provide the certified sessions and help you understand each step.

Is it too late if I am already behind on payments?

Usually not. The sooner you reach out, the more options you have, and our counselors can help at any stage.