TD Bank: Government & Affordable Housing Programs

November 13, 2015September 30, 2016 HomeHUB Editorial Board 1658 Views Bucks, Chester, Delaware, Montgomery, Philadelphia

Flexible loan programs are available that offer an alternative to conventional home loans. Government and affordability programs provide competitive rates, low down payment requirements, and unique mortgage insurance solutions. • TD Bank offers FNMA HomeReady®, FHA, VA, and USDA-RD programs.

Purchase Refinance

TD Bank: Adjustable Rate Mortgages

November 13, 2015August 22, 2016 HomeHUB Editorial Board 1519 Views Bucks, Chester, Delaware, Montgomery, Philadelphia

Adjustable Rate Mortgages If the borrower plans to move in a few years and is looking for lower up-front payments an adjustable rate mortgage is a great option. Here are a few key benefits: Interest rates are initially lower than

Purchase Refinance

TD Bank: Fixed Rate Mortgages

November 13, 2015August 22, 2016 HomeHUB Editorial Board 1382 Views Bucks, Chester, Delaware, Montgomery, Philadelphia

Fixed Rate Mortgages- If the borrower plans to stay in the home for several years and prefers the stability of fixed monthly payments, a fixed rate mortgage may be the right choice. Here are a few key benefits: 30yr and

Post Purchase

Clarifi: Reverse Mortgage Counseling

November 12, 2015February 8, 2017 HomeHUB Editorial Board 1318 Views Bucks, Chester, Delaware, Montgomery, Philadelphia

Explore a reverse mortgage. Work with our counselors to review products, features and benefits, eligibility, and alternatives. To read more, click here. Contact: Clarifi Team Email: clarifiteam@clarifi.org Phone: 800-989-2227 URL: https://clarifi.org/counseling/housing/reverse-mortgage Additional Information: There is a fee of $100 for this service. If a client’s

Credit Recovery

Clarifi: Credit Report Counseling

November 12, 2015August 22, 2016 HomeHUB Editorial Board 1510 Views Bucks, Chester, Delaware, Montgomery, Philadelphia

Improve your credit. Work with our certified counselors to review your tri-merge credit reports and scores. Also create an action plan to improve your credit and see how to correct errors on your reports. To read more, click here. Contact: Clarifi

Refinance

PHFA: FHA/VA Streamline Refinance Loan

November 11, 2015August 22, 2016 HomeHUB Editorial Board 1577 Views Adams, All Counties, Allegheny, Armstrong, Beaver, Bedford, Berks, Blair, Bradford, Bucks, Butler, Cambria, Cameron, Carbon, Centre, Chester, Clarion, Clearfield, Clinton, Columbia, Crawford, Cumberland, Dauphin, Delaware, Elk, Erie, Fayette, Forest, Franklin, Fulton, Greene, Huntingdon, Indiana, Jefferson, Juniata, Lackawanna, Lancaster, Lawrence, Lebanon, Lehigh, Luzerne, Lycoming, McKean, Mercer, Mifflin, Monroe, Montgomery, Montour, Northampton, Northumberland, Perry, Philadelphia, Pike, Potter, Schuylkill, Snyder, Somerset, Sullivan, Susquehanna, Tioga, Union, Venango, Warren, Washington, Wayne, Westmoreland, Wyoming, York

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

Purchase

PHFA: Keystone Home Loan

November 10, 2015August 22, 2016 HomeHUB Editorial Board 1390 Views Adams, All Counties, Allegheny, Armstrong, Beaver, Bedford, Berks, Blair, Bradford, Bucks, Butler, Cambria, Cameron, Carbon, Centre, Chester, Clarion, Clearfield, Clinton, Columbia, Crawford, Cumberland, Dauphin, Delaware, Elk, Erie, Fayette, Forest, Franklin, Fulton, Greene, Huntingdon, Indiana, Jefferson, Juniata, Lackawanna, Lancaster, Lawrence, Lebanon, Lehigh, Luzerne, Lycoming, McKean, Mercer, Mifflin, Monroe, Montgomery, Montour, Northampton, Northumberland, Perry, Philadelphia, Pike, Potter, Schuylkill, Snyder, Somerset, Sullivan, Susquehanna, Tioga, Union, Venango, Warren, Washington, Wayne, Westmoreland, Wyoming, York

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

Purchase

Union Privilege: Union Plus Mortgage Program

November 6, 2015August 22, 2016 HomeHUB Editorial Board 1319 Views Adams, All Counties, Allegheny, Armstrong, Beaver, Bedford, Berks, Blair, Bradford, Bucks, Butler, Cambria, Cameron, Carbon, Centre, Chester, Clarion, Clearfield, Clinton, Columbia, Crawford, Cumberland, Dauphin, Delaware, Elk, Erie, Fayette, Forest, Franklin, Fulton, Greene, Huntingdon, Indiana, Jefferson, Juniata, Lackawanna, Lancaster, Lawrence, Lebanon, Lehigh, Luzerne, Lycoming, McKean, Mercer, Mifflin, Monroe, Montgomery, Montour, Northampton, Northumberland, Perry, Philadelphia, Pike, Potter, Schuylkill, Snyder, Somerset, Sullivan, Susquehanna, Tioga, Union, Venango, Warren, Washington, Wayne, Westmoreland, Wyoming, York

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

Purchase

HUD: Good Neighbor Next Door Financing Program

November 6, 2015August 22, 2016 HomeHUB Editorial Board 1322 Views Adams, All Counties, Allegheny, Armstrong, Beaver, Bedford, Berks, Blair, Bradford, Bucks, Butler, Cambria, Cameron, Carbon, Centre, Chester, Clarion, Clearfield, Clinton, Columbia, Crawford, Cumberland, Dauphin, Delaware, Elk, Erie, Fayette, Forest, Franklin, Fulton, Greene, Huntingdon, Indiana, Jefferson, Juniata, Lackawanna, Lancaster, Lawrence, Lebanon, Lehigh, Luzerne, Lycoming, McKean, Mercer, Mifflin, Monroe, Montgomery, Montour, Northampton, Northumberland, Perry, Philadelphia, Pike, Potter, Schuylkill, Snyder, Somerset, Sullivan, Susquehanna, Tioga, Union, Venango, Warren, Washington, Wayne, Westmoreland, Wyoming, York

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

Delinquency Prevention Foreclosure Post Purchase

Clarifi: Foreclosure Prevention and Mortgage Default Counseling

November 5, 2015October 17, 2016 HomeHUB Editorial Board 1372 Views Chester, Delaware, Montgomery, Philadelphia

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

Purchase

Tabor Community Services: Reverse Mortgage (HECM) Counseling

November 2, 2015February 8, 2017 HomeHUB Editorial Board 1238 Views Adams, All Counties, Allegheny, Armstrong, Beaver, Bedford, Berks, Blair, Bradford, Bucks, Butler, Cambria, Cameron, Carbon, Centre, Chester, Clarion, Clearfield, Clinton, Columbia, Crawford, Cumberland, Dauphin, Delaware, Elk, Erie, Fayette, Forest, Franklin, Fulton, Greene, Huntingdon, Indiana, Jefferson, Juniata, Lackawanna, Lancaster, Lawrence, Lebanon, Lehigh, Luzerne, Lycoming, McKean, Mercer, Mifflin, Monroe, Montgomery, Montour, Northampton, Northumberland, Perry, Philadelphia, Pike, Potter, Schuylkill, Snyder, Somerset, Sullivan, Susquehanna, Tioga, Union, Venango, Warren, Washington, Wayne, Westmoreland, Wyoming, York

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

Credit Recovery Delinquency Prevention Foreclosure Pre-Purchase

Philadelphia Council for Community Advancement: Housing Counseling

October 27, 2015August 22, 2016 HomeHUB Editorial Board 1419 Views Bucks, Chester, Delaware, Montgomery, Philadelphia

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

Purchase

ESSA Bank & Trust: First Time Homebuyer Program

September 22, 2015September 9, 2016 HomeHUB Editorial Board 1122 Views Chester, Delaware, Lackawanna, Lehigh, Luzerne, Monroe, Montgomery, Northampton

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

Purchase

PHFA: Keystone Government

September 16, 2015August 22, 2016 HomeHUB Editorial Board 1434 Views Adams, All Counties, Allegheny, Armstrong, Beaver, Bedford, Berks, Blair, Bradford, Bucks, Butler, Cambria, Cameron, Carbon, Centre, Chester, Clarion, Clearfield, Clinton, Columbia, Crawford, Cumberland, Dauphin, Delaware, Elk, Erie, Fayette, Forest, Franklin, Fulton, Greene, Huntingdon, Indiana, Jefferson, Juniata, Lackawanna, Lancaster, Lawrence, Lebanon, Lehigh, Luzerne, Lycoming, McKean, Mercer, Mifflin, Monroe, Montgomery, Montour, Northampton, Northumberland, Perry, Philadelphia, Pike, Potter, Schuylkill, Snyder, Somerset, Sullivan, Susquehanna, Tioga, Union, Venango, Warren, Washington, Wayne, Westmoreland, Wyoming, York

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

Purchase Refinance

PHFA: HFA Preferred (Lo MI)

September 16, 2015August 22, 2016 HomeHUB Editorial Board 1602 Views Adams, All Counties, Allegheny, Armstrong, Beaver, Bedford, Berks, Blair, Bradford, Bucks, Butler, Cambria, Cameron, Carbon, Centre, Chester, Clarion, Clearfield, Clinton, Columbia, Crawford, Cumberland, Dauphin, Delaware, Elk, Erie, Fayette, Forest, Franklin, Fulton, Greene, Huntingdon, Indiana, Jefferson, Juniata, Lackawanna, Lancaster, Lawrence, Lebanon, Lehigh, Luzerne, Lycoming, McKean, Mercer, Mifflin, Monroe, Montgomery, Montour, Northampton, Northumberland, Perry, Philadelphia, Pike, Potter, Schuylkill, Snyder, Somerset, Sullivan, Susquehanna, Tioga, Union, Venango, Warren, Washington, Wayne, Westmoreland, Wyoming, York

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

Refinance

PHFA: HFA Preferred Risk Sharing

September 16, 2015August 22, 2016 HomeHUB Editorial Board 1401 Views Adams, All Counties, Allegheny, Armstrong, Beaver, Bedford, Berks, Blair, Bradford, Bucks, Butler, Cambria, Cameron, Carbon, Centre, Chester, Clarion, Clearfield, Clinton, Columbia, Crawford, Cumberland, Dauphin, Delaware, Elk, Erie, Fayette, Forest, Franklin, Fulton, Greene, Huntingdon, Indiana, Jefferson, Juniata, Lackawanna, Lancaster, Lawrence, Lebanon, Lehigh, Luzerne, Lycoming, McKean, Mercer, Mifflin, Monroe, Montgomery, Montour, Northampton, Northumberland, Perry, Philadelphia, Pike, Potter, Schuylkill, Snyder, Somerset, Sullivan, Susquehanna, Tioga, Union, Venango, Warren, Washington, Wayne, Westmoreland, Wyoming, York

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

Home Repair and Improvement Purchase Refinance

M&T Bank: First Time Homebuyer Programs

September 14, 2015August 22, 2016 HomeHUB Editorial Board 1999 Views Adams, All Counties, Allegheny, Armstrong, Beaver, Bedford, Berks, Blair, Bradford, Bucks, Butler, Cambria, Cameron, Carbon, Centre, Chester, Clarion, Clearfield, Clinton, Columbia, Crawford, Cumberland, Dauphin, Delaware, Elk, Erie, Fayette, Forest, Franklin, Fulton, Greene, Huntingdon, Indiana, Jefferson, Lackawanna, Lancaster, Lawrence, Lebanon, Lehigh, Luzerne, Lycoming, McKean, Mercer, Mifflin, Monroe, Montgomery, Montour, Northampton, Northumberland, Perry, Philadelphia, Pike, Potter, Schuylkill, Snyder, Somerset, Sullivan, Susquehanna, Tioga, Union, Venango, Warren, Washington, Wayne, Westmoreland, Wyoming, York

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

Home Repair and Improvement Post Purchase Purchase Refinance

USDA Rural Development: Homeownership and Home Repair Products

September 14, 2015August 22, 2016 HomeHUB Editorial Board 1474 Views Adams, All Counties, Allegheny, Armstrong, Beaver, Bedford, Berks, Blair, Bradford, Bucks, Butler, Cambria, Cameron, Carbon, Centre, Chester, Clarion, Clearfield, Clinton, Columbia, Crawford, Cumberland, Dauphin, Delaware, Elk, Erie, Fayette, Forest, Franklin, Fulton, Greene, Huntingdon, Indiana, Jefferson, Juniata, Lackawanna, Lancaster, Lawrence, Lebanon, Lehigh, Luzerne, Lycoming, McKean, Mercer, Mifflin, Monroe, Montgomery, Montour, Northampton, Northumberland, Perry, Philadelphia, Pike, Potter, Schuylkill, Snyder, Somerset, Sullivan, Susquehanna, Tioga, Union, Venango, Warren, Washington, Wayne, Westmoreland, Wyoming, York

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

Credit Recovery Home Repair and Improvement Post Purchase Pre-Purchase Purchase

Habitat for Humanity of Montgomery County: Homeownership Opportunities and Repairs

September 14, 2015October 6, 2016 HomeHUB Editorial Board 1411 Views Montgomery

Habitat for Humanity of Montgomery County offers home buyer opportunities and homeownership preparedness training for low to moderate income families looking to own homes of their own. We also offer critical home repairs for current low to moderate income families

Purchase

United Way of Greater Philadelphia and Southern New Jersey: Lubert IDA Program

September 13, 2015September 20, 2016 HomeHUB Editorial Board 1352 Views Chester, Delaware, Montgomery, Philadelphia

*Currently out of funding for the Lubert IDA program; will add name to wait list and refer to other similar organizations* For every $1 saved toward home purchase, United Way will match $2. IDA participants can save up to $2,000

Purchase

PHFA: Employer Assisted Housing

August 17, 2015August 22, 2016 HomeHUB Editorial Board 1315 Views Adams, All Counties, Allegheny, Armstrong, Beaver, Bedford, Berks, Blair, Bradford, Bucks, Butler, Cambria, Cameron, Carbon, Centre, Chester, Clarion, Clearfield, Clinton, Columbia, Crawford, Cumberland, Dauphin, Delaware, Elk, Erie, Fayette, Forest, Franklin, Fulton, Greene, Huntingdon, Indiana, Jefferson, Juniata, Lackawanna, Lancaster, Lawrence, Lebanon, Lehigh, Luzerne, Lycoming, McKean, Mercer, Mifflin, Monroe, Montgomery, Montour, Northampton, Northumberland, Perry, Philadelphia, Pike, Potter, Schuylkill, Snyder, Somerset, Sullivan, Susquehanna, Tioga, Union, Venango, Warren, Washington, Wayne, Westmoreland, Wyoming, York

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

Foreclosure

PHFA: Homeowners Emergency Mortgage Assistance Program

August 17, 2015August 22, 2016 HomeHUB Editorial Board 1343 Views Adams, All Counties, Allegheny, Armstrong, Beaver, Bedford, Berks, Blair, Bradford, Bucks, Butler, Cambria, Cameron, Carbon, Centre, Chester, Clarion, Clearfield, Clinton, Columbia, Crawford, Cumberland, Dauphin, Delaware, Elk, Erie, Fayette, Forest, Franklin, Fulton, Greene, Huntingdon, Indiana, Jefferson, Juniata, Lackawanna, Lancaster, Lawrence, Lebanon, Lehigh, Luzerne, Lycoming, McKean, Mercer, Mifflin, Monroe, Montgomery, Montour, Northampton, Northumberland, Perry, Philadelphia, Pike, Potter, Schuylkill, Snyder, Somerset, Sullivan, Susquehanna, Tioga, Union, Venango, Warren, Washington, Wayne, Westmoreland, Wyoming, York

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

Purchase

PHFA: HOMEstead

August 17, 2015August 22, 2016 HomeHUB Editorial Board 1409 Views Adams, Allegheny, Armstrong, Beaver, Bedford, Blair, Bradford, Bucks, Butler, Cambria, Cameron, Carbon, Centre, Clarion, Clearfield, Clinton, Columbia, Crawford, Cumberland, Dauphin, Delaware, Elk, Erie, Fayette, Forest, Franklin, Fulton, Greene, Huntingdon, Indiana, Jefferson, Lackawanna, Lawrence, Lebanon, Lehigh, Luzerne, Lycoming, McKean, Mercer, Mifflin, Monroe, Montgomery, Montour, Northampton, Northumberland, Perry, Pike, Potter, Schuylkill, Snyder, Somerset, Sullivan, Susquehanna, Tioga, Union, Venango, Warren, Wayne, Westmoreland, Wyoming, York

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

Delinquency Prevention Foreclosure Post Purchase Pre-Purchase

PHFA: Homebuyer Counseling and Education

August 17, 2015August 22, 2016 HomeHUB Editorial Board 1286 Views Adams, All Counties, Allegheny, Armstrong, Beaver, Bedford, Berks, Blair, Bradford, Bucks, Butler, Cambria, Cameron, Carbon, Centre, Chester, Clarion, Clearfield, Clinton, Columbia, Crawford, Cumberland, Dauphin, Delaware, Elk, Erie, Fayette, Forest, Franklin, Fulton, Greene, Huntingdon, Indiana, Jefferson, Lackawanna, Lancaster, Lawrence, Lebanon, Lehigh, Luzerne, Lycoming, McKean, Mercer, Mifflin, Monroe, Montgomery, Montour, Northampton, Northumberland, Perry, Philadelphia, Pike, Potter, Schuylkill, Snyder, Somerset, Sullivan, Susquehanna, Tioga, Union, Venango, Warren, Washington, Wayne, Westmoreland, Wyoming, York

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

Purchase

PHFA: Access Downpayment and Closing Cost Assistance

August 17, 2015August 22, 2016 HomeHUB Editorial Board 1208 Views Adams, All Counties, Allegheny, Armstrong, Beaver, Bedford, Berks, Blair, Bradford, Bucks, Butler, Cambria, Cameron, Carbon, Centre, Chester, Clarion, Clearfield, Clinton, Columbia, Crawford, Cumberland, Dauphin, Delaware, Elk, Erie, Fayette, Forest, Franklin, Fulton, Greene, Huntingdon, Indiana, Jefferson, Lackawanna, Lancaster, Lawrence, Lebanon, Lehigh, Luzerne, Lycoming, McKean, Mercer, Mifflin, Monroe, Montgomery, Montour, Northampton, Northumberland, Perry, Philadelphia, Pike, Potter, Schuylkill, Snyder, Somerset, Sullivan, Susquehanna, Tioga, Union, Venango, Warren, Washington, Wayne, Westmoreland, Wyoming, York

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.