Rate Sheet for Lenders

The rates and terms below are in effect as of Wednesday, May 23, 2012 at 2:47 PM.
The last interest rate update was made on 05/23/2012 10:00 AM.

Program ↓	Points	Government			Conventional
Delivery Period (days)	⇒	60	90	240	60	90	240
HFA Preferred Risk Sharing	0	-	-	-	4.125 %	4.250 %	-
HFA Preferred Risk Sharing	1	-	-	-	4.000 %	4.125 %	-
HFA PRS with Advantage	0	-	-	-	4.375 %	4.500 %	-
HFA Preferred	0	-	-	-	4.000 %	4.125 %	-
HFA Preferred	1	-	-	-	3.875 %	4.000 %	-
HFA Preferred with Advantage	0	-	-	-	4.250 %	4.375 %	-
Keystone Government Loan	0	3.750 %	3.875 %	-	-	-	-
Keystone Government Loan	1	3.750 %	3.875 %	-	-	-	-
Keystone Govt Loan with Advantage	0	4.125 %	4.250 %	-	-	-	-
Keystone Home Loan	0	3.750 %	3.875 %	5.750 %	-	5.750 %	5.750 %
Keystone Home Loan	1	3.750 %	3.875 %	5.500 %	-	5.500 %	5.500 %
Keystone Home Loan with Advantage	0	3.750 %	3.875 %	5.750 %	-	-	-
Homestead	1	-	5.750 %	5.750 %	-	5.750 %	5.750 %
KHL Purchase Improvement	0	-	-	-	-	5.750 %	-

Contact a Participating Lender for APR's.

Mortgage Payment Calculator

An interest rate of one quarter percent (1/4%) lower than the qualifying program rate is available to borrowers if their employer is actively participating in the Agency's Employer Assisted Housing Initiative. The rate will be applied at the time of reservation when the Participating Employer is selected.

All the rates, fees, and terms on this site are for informational purposes for participating lenders only and are subject to change without notice. Furthermore, the customer’s rate will be that which is in effect on the date and time that the reservation is received by the Agency. For the APR (annual percentage rate) please contact one of our participating lenders.

Loans that have been reserved/locked in are confirmed by PHFA via an e-mail to the lender. Loans in the ‘Incomplete Reservations’ section of the online reservations system are subject to the applicable rate and fee(s) in effect at the time they are completed and fully reserved.

PHFA must purchase the loan from the participating lender by the end of the delivery period or three weeks from the closing date, whichever occurs first. The 240-day delivery period is for homes to be built. New homes that are already or close to being completed should be reserved using the 90-day delivery period.