Homeownership Loan Programs

The Pennsylvania Housing Finance Agency (PHFA or the Agency) offers home purchase loans with competitive interest rates and lower fees. In addition to the PHFA first mortgage, some applicants may qualify for downpayment and/or closing cost assistance through the Keystone Advantage Assistance Loan or the HOMEstead Program.

The program that is best for you will depend on your specific circumstances, such as your credit history and amount of cash savings, as well as your individual preferences. A PHFA approved homebuyer education provider or participating lender can help you decide.

Buyers who want to make access modifications but don't qualify for a loan through Keystone Home Loan may be able to combine the Keystone Government Loan with PHFA Access Modification assistance.

The HFA Preferred Risk Sharing™(No MI), HFA Preferred™(Lo MI), and FHA/VA Streamline Refinance programs provide a refinance option for homeowners seeking to lower their current monthly mortgage payment on their primary residence.

Home Purchase Loans

Assistance Programs

Mortgage Refinance Loans