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Homeowners Start Here
PHFA offers the following loan and counseling programs for existing homeowners. What you choose will depend on your individual situation.
Mortgage Programs
Foreclosure Prevention/Assistance
- Financial Education & Coaching
- Foreclosure Assistance / HEMAP / Act 91
- Foreclosure Mitigation & Act 6
- Residential Mortgage Mediation Program
Learn more about our Counseling and Foreclosure Assistance programs.
Refinance Options
- HFA PreferredTM (Lo MI)
- FHA/VA Loans
- Keystone Flex
Home Improvements/Repairs
- Access Home Modification Program
- Homeowners Energy Efficiency Loan Program (HEELP)
- HomeStyle® Renovation Program
- Purchase Improvement Loan
- PENNVEST Homeowner Septic Program
Learn more about our Home Improvement & Repair loan programs.
Helpful Tips
- Don't get hooked by predatory lending
- Alternative Resources for Home Repair
- 4 Ways to Dazzle Buyers as Soon as They Walk In the Door (YouTube Video courtesy of realtor.com)
- Building credit and keeping yours healthy (YouTube Video courtesy of Bank of America)
- Three Ways to Get Out of Debt (YouTube Video courtesy of TD Ameritrade)
- Steps to better money management (YouTube Video courtesy of Bank of America)
- How to set a budget and stick to it (YouTube Video courtesy of Bank of America)
- How to Budget: Three Pitfalls to Avoid (YouTube Video courtesy of TD Ameritrade)
- How to Prioritize Your Savings (YouTube Video courtesy of TD Ameritrade)
- Strategies for paying down debt (YouTube Video courtesy of Bank of America)
- How to Set up Your Emergency Fund (YouTube Video courtesy of TD Ameritrade)
- Best DIY Bang For Your Buck (YouTube Video courtesy of realtor.com)
- Hiring a Contractor (YouTube Video courtesy of realtor.com)
If you have questions, please feel free to contact our Customer Solutions Center at 1.855.U.Are.Home (827.3466).