Homeowners

If you already have a PHFA loan, we encourage you to set up an online profile by logging in to our secure loan servicing center. There you can find answers to questions about your mortgage and access your specific account information including balances and history.

Assistance is also available to homeowners who have individual on-lot sewage disposal systems that need to be repaired or replaced.  To learn more about this program, visit our PENNVEST Individual On-Lot Sewage System Repair Program page.

The Renovate and Repair Loan Program provides financing for homeowners to make renovations to improve the basic livability of their homes, as well as repairs to items affecting health, safety, energy efficiency, accessibility, and code violations.

The Homeowners Energy Efficiency Loan Program (HEELP) offers loans between $1,000 and $10,000 for specific energy efficiency repairs at a fixed-rate of one percent (1%) for ten years with no prepayment penalties.

Over 28 years, the Homeowners' Emergency Mortgage Assistance Program, or HEMAP, saved the homes of more than 46,000 Pennsylvania families from foreclosure. With the conclusion of the HEMAP in 2011, changes are being made in the handling of notices by banks for instituting mortgage foreclosures. If you are a homeowner who is delinquent on your mortgage, you may want to review a joint letter by the state Department of Banking and PHFA on this subject.

At this time, PHFA's Homeowners' Emergency Mortgage Assistance Program (HEMAP) is no longer accepting applications. However, the agency is exploring other ways we may be able to help Pennsylvania families struggling to avoid foreclosure. Individuals can learn about other foreclosure prevention programs on our Additional Foreclosure Prevention Information page. Any new developments will be posted on our Web site, so please check back regularly.