PHFA: FHA/VA Streamline Refinance Loan

The FHA/VA Streamline Refinance loan product allows eligible FHA and VA homeowners to refinance their existing FHA or VA loan to reduce their current monthly mortgage payment. For FHA loans, the new loan can only include the outstanding principle balance

Read more

PHFA: Keystone Home Loan

The Keystone Home Loan provides Conventional financing up to 80% in addition to FHA, VA and RD loans. You may need to be a first-homebuyer, but if you plan to buy a home in a Targeted county or area; or

Read more

Union Privilege: Union Plus Mortgage Program

The goal is to help union members and their families succeed financially through a unique program that features special benefits, a dedicated program structure, a trained sales force, and ongoing sales management routines to maximize the opportunity.Wells Fargo is the exclusive

Read more

HUD: Good Neighbor Next Door Financing Program

The Good Neighbor Next Door financing program is a neighborhood revitalization initiative provided through HUD. The initiative is designed to encourage law enforcement officers, eligible teachers, firefighters, and Emergency Medical Technicians (EMT) to live in the low- and moderate-income neighborhoods

Read more

Clarifi: Foreclosure Prevention and Mortgage Default Counseling

Work one-on-one with our certified counselors to explore options to save your home. Options may include, federal, state and local programs, and mortgage modifications. Click here to learn more. Contact: Clarifi Team Email: clarifiteam@clarifi.org Phone: 800-989-2227 URL: https://clarifi.org/counseling/housing/delinquency

Read more

Tabor Community Services: Reverse Mortgage (HECM) Counseling

We help people who are over 62 to understand reverse mortgages (also known as Home Equity Conversion Mortgage or HECM) and to decide if this is a good option for them. This counseling is required by law before any lender

Read more

Philadelphia Council for Community Advancement: Housing Counseling

Philadelphia Council for Community Advancement (PCCA) offers a wide range of services to homeowners and other housing consumers to help them with a variety of housing issues. PCCA’s highly qualified and certified Housing Counselors have the right training and experience

Read more

ESSA Bank & Trust: First Time Homebuyer Program

Our First Time Homebuyer Program provides financial advantages and includes an educational portion outlining the home buying process from beginning to end.   Click here to learn more. Contact: Loan Officers Phone: (800) 439-0715 or (570) 421-0531 URL: https://www.essabank.com/personal/first-time-homebuyer/ Additional Information: Available for homes

Read more

PHFA: Keystone Government

The Keystone Government Loan Program (K-Gov) provides first mortgage financing on loans insured by the Federal Housing Administration (FHA) or guaranteed by Rural Development (RD) or the Department of Veterans’ Affairs (VA). Loans are underwritten using the guidelines of the

Read more

PHFA: HFA Preferred (Lo MI)

The HFA Preferred™(Lo MI) loan, mortgage insurance is provided by one of several private mortgage insurance companies when the borrower puts down less than 20 percent (20 %) towards the purchase of the home. This program also provides a refinance

Read more

PHFA: HFA Preferred Risk Sharing

The HFA Preferred Risk Sharing™(No MI) loan does not require mortgage insurance, which is insurance coverage that is commonly required by lenders when the borrower has a downpayment of less than 20 percent (20 %) of the purchase price. This

Read more

M&T Bank: First Time Homebuyer Programs

M&T Bank offers a wide range of First-Time Homebuyer Programs with the financing solutions you need and the service you want. If you’re interested in making homebuying easy and affordable. M&T is here to help. Disclosure: M&T is an Equal

Read more

USDA Rural Development: Homeownership and Home Repair Products

USDA RD offers both home purchase and home repair loan products for those with very-low incomes to those with moderate incomes in rural Pennsylvania. Products include Direct subsidized loans for low income applicants, Guarantee loans for moderate income applicants and Direct

Read more

PHFA: Employer Assisted Housing

The Pennsylvania Housing Finance Agency is pleased to offer an Employer Assisted Housing (EAH) Initiative to help address the issues regarding the lack of affordable housing for low- to moderate-income workers. Participating Employers who offer a monetary home purchase benefit

Read more

PHFA: Homeowners Emergency Mortgage Assistance Program

HEMAP is a loan program designed to protect Pennsylvanians who, through no fault of their own, are financially unable to make their mortgage payments and are in danger of losing their homes to foreclosure. HEMAP funds loaned to prevent foreclosure

Read more

PHFA: HOMEstead

Homebuyers eligible for the HOMEstead program may qualify for up to $10,000 in downpayment and closing cost assistance in the form of a no-interest, second mortgage loan. HOMEstead funds are forgiven at 20 percent per year over five years for

Read more

PHFA: 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.  Click here to learn more. Contact: Kate Newton Phone: 717-780-3871 URL: http://www.phfa.org/applications/counseling_agencies.aspx Additional Information: Ongoing

Read more

PHFA: Access Downpayment and Closing Cost Assistance

The Access assistance loan is only available to buyers who are also using the Access Home Modification Program. Buyers may be eligible for up to 15,000 in a no interest downpayment and closing cost assistance loan.  Click here to learn more.

Read more

PHFA: Access Home Modification Loan

The Access Modification Loan offers a zero-interest loan between $1,000 and $10,000 in conjunction with a PHFA first mortgage. It allows buyers with a physical disability or a physically disabled household member to modifications to the house suit your present

Read more

PHFA: Mortgage Credit Certificate

A PHFA Mortgage Credit Certificate (MCC) allows homebuyers to claim a tax credit for 50 percent (50%) of the mortgage interest paid per year, capped at $2,000 annually. It is a dollar-for-dollar reduction against your federal tax liability. The MCC

Read more

PHFA: Keystone Advantage Assistance Loan

The Keystone Advantage Assistance Loan Program provides a second mortgage loan to help with the costs associated with the purchase of a home. Qualified borrowers can receive up to four percent (4%) of the purchase price or market value or

Read more

PHFA: Keystone Home Loan

The Keystone Home Loan offers a 30-year fixed PHFA home loan with specific income and purchase price limits. If you are not a first time homebuyer, but you plan to buy a home in a Targeted county or area; or

Read more

PHFA: First Mortgage Programs

The Pennsylvania Housing Finance Agency (PHFA) offers affordable mortgage options for homebuyers and homeowners throughout the Commonwealth. Our product offerings and housing resources available will provide consumers with assistance needed to become and remain homeowners. Click here to learn more.

Read more