You would need legal help with this situation.............you would not have time to do a QWR to find out how payments were applied.......and the property being in a different state than you are located also makes it difficult.
You should be able to find a foreclosure attorney through the bar associations legal aid network...............
here is the link
Pennsylvania Legal Aid Network Legal Help Finder
this isn't something that you should try to take care of on your own..........call and see if you can get help through legal aid.......