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PHFA offers home purchase and refinance loans to qualified borrowers throughout the Commonwealth.                             What you choose will depend on your individual situation.

Why should I choose a PHFA Home loan?

  • Competitive interest rates.
  • Fewer fees.
  • 30-year, fixed rate terms.
  • Can be used with conventional, FHA, VA, or RD loan types.
  • Save up to $2,000 each year if you qualify for the Mortgage Tax Credit Certificate.
  • Possible downpayment and closing cost assistance.
  • Your mortgage is serviced by PHFA for the life of the loan.
  • Special programs for persons with disabilities.
  • Employer Assisted Housing available to buyers working for a participating employer.

How do I get started?

First, contact a PHFA-approved homebuyer counselor and a participating lender.

PHFA offers homebuyers the opportunity to receive free homebuyer counseling and education through one of its approved counseling agencies. PHFA requires borrowers with a FICO credit score lower than 680 to complete a course in-person prior to closing on their loan. We strongly encourage you to seek the assistance of a counselor before you sign a sales agreement, especially if you are a first-time buyer. The counselor will be able to determine if you are ready for a home loan, and if so, how much of a home you can afford. If you're not ready, they can help you develop a plan.

The next step would be to contact one of our participating lenders. PHFA does not handle the mortgage application process. Instead, we have a network of lenders and brokers throughout the state who will process and close your loan. We then buy the loan from them immediately following the loan closing (also referred to as Settlement). You would be making your mortgage payment directly to PHFA for the life of your loan.


Here is a listing of Member Banks and Financial Institutions:


Here is a listing of local realtors who are members of the HBA and are New Home Sales Professional:

 BrokersRealty.Com , Lois Graham 2021 Continental Drive, Harrisburg, PA 17110    (888) 774-8488 x735

 Century 21 At The Helm, Susan Helm 
320 N Front Street, Wormleysburg, PA 17043    (717) 737-4444 Century 21 Realty Services, Daniel T. Piscioneri 
3315 Market Street, Camp Hill, PA 17011    (717) 737-2121
lori.worthing@cbmoves.comG.P. Harris Construction, Inc., Greg Harris 
75 Goldmine Road, Jonestown, PA 17038    (717) 821-2984 Greater Harrisburg Assoc. of REALTORS, Kathy Ludwig 
424 N Enola Drive, Suite 1, Enola, PA 17025    (717) 364-3200 NextHome Capital Realty, Michael Pion 
4349 Carlisle Pike, -, Camp Hill, PA 17011    (717) 409-6500 Pennsylvania Housing Finance Agency, Brian A. Hudson 
211 N. Front St., Harrisburg, PA 17101    (717) 780-3871  RE/MAX Realty Professionals, Inc., Robert S. Hamilton 
1250 N. Mountain Road, Harrisburg, PA 17112    (717) 364-3400 RE/MAX Realty Professionals, Inc., Pat Caruso, ABR, CRS, MCSP, GRI 
1250 N. Mountain Road, Ste. 1, Harrisburg, PA 17112    (717) 364-3316 Realty Remedies, Chad Gelsinger 
717 Market St #266, Lemoyne, PA 17043    (717) 460-7001 Spinnaker Property Management, Jeff Taylor 
3906 Market Street, Camp Hill, PA 17011    (717) 761-3323