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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

 Learn more about our Refinance loan programs.

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

If you have questions, please feel free to contact our Customer Solutions Center at 1.855.U.Are.Home (827.3466).