TD Bank: Government & Affordable Housing Programs

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.

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Clarifi: Reverse Mortgage Counseling

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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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