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Pennsylvania Housing Finance Agency Mortgage Programs

Affordable financing built for Pennsylvania homebuyers.

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PHFA Mortgage Programs

The Pennsylvania Housing Finance Agency (PHFA) is dedicated to making homeownership more accessible and attainable for Pennsylvania residents through a variety of affordable mortgage financing programs.

Through PHFA, qualified buyers can access below-market interest rates, down payment and closing cost assistance, and financing for home repairs and energy-efficient improvements — often bundled into a single 30-year fixed rate loan. For many Pennsylvania households, these programs close the gap between renting and owning.

First Heritage Mortgage is a PHFA-participating lender. Our loan officers walk you through which program fits your income, your county, and the home you’re buying.

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Benefits of a PHFA Mortgage

  • Below-market interest rates available, depending on income level and program selected
  • 30-year fixed rate financing with predictable monthly payments
  • Down payment and closing cost assistance available through a forgivable second loan
  • Include up to $30,000 or more in repairs as part of your home purchase, depending on the program
  • All loans serviced in-house by specially trained PHFA staff
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Services

Looking for other loan options? We’ve got you covered

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Purchase

From conventional to FHA and VA loans, find the right fit for your budget and goals.

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Refinance

Lower your rate, reduce your payment, or tap into equity. Let’s find what makes sense for you.

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Construction, Bridge, Renovation

Build, remodel, or renovate the home of your dreams.

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Specialty Financing

From non-QM loans to investor financing, find solutions for situations that don’t fit the standard mold.

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Ready? Let’s get started

Get in touch with our team of lending experts to discuss your eligibility and learn how a PHFA mortgage program could work for you.

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THIS PRODUCT OR SERVICE HAS NOT BEEN APPROVED OR ENDORSED BY ANY GOVERNMENTAL AGENCY, AND THIS OFFER IS NOT BEING MADE BY AN AGENCY OF THE GOVERNMENT.