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Homebuyer Counseling and Education
PHFA offers homebuyers the opportunity to receive homebuyer counseling and education through its approved counseling agencies, as well as an online program. Borrowers with a middle credit score at or above 680 may complete the PHFA Online Homebuyer course. Borrowers with a middle credit score lower than 680 are required to complete an in-person course at a counseling agency prior to closing on their loan. These services are paid for by PHFA, with the exception of the credit report fee that may be charged by the counseling agency. (Note: credit reports used for mortgage financing purposes generally return three scores; the "middle" score would be the one between the low and high scores.)
To make an appointment with an agency, please use the search program below to locate a PHFA approved Homeownership Counseling Agency in your area. We strongly encourage you to seek the assistance of a counselor before you sign a sales agreement, especially if you are a first–time buyer. For problems getting access to a counseling agency; or, for more information, questions, or concerns regarding this list, contact Terri L. Redmond at 717.780.3907.