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How Your Company Can Offer PHFA Loans

Become a participating lender

To be eligible as a participating lender, the company must be one of the following:

  • a properly licensed and legally organized bank, savings and loan, or credit union whose deposits are insured by the Federal Deposit Insurance Corporation (FDIC) or the National Credit Union Administration (NCUA);
  • a currently licensed Pennsylvania First Mortgage Banker.

To become a PHFA participating lender, complete the lender application and submit it along with the required documents to PHFA. Links to the required documents are contained within the application and are listed below as well.

Once your application is approved by PHFA, a member of our business development team will contact you to schedule training. The training program will be conducted by PHFA staff for all persons who will be involved with originating, processing, underwriting, closing and selling eligible loans to PHFA.

See Chapter 1 of the PHFA Seller's Guide for more details.

Become an approved third party originator

To become approved as a third party originator (broker) of PHFA loans, the company must be a currently licensed Pennsylvania First Mortgage Broker or Loan Correspondent.

If your company meets the criteria above, take the following steps to become an approved originator/broker:

  1. Request and receive sponsorship from a current PHFA participating lender.
  2. Complete the Application for Broker and submit it to PHFA.
  3. Execute the PHFA agreement, which is also executed by the lender. The agreement is supplied to the lender by PHFA upon confirmation of the sponsorship.
  4. Complete a PHFA training program.

Maintain participating lender approval

To maintain status as a PHFA participating lender, your company is required to recertify annually within 120 days of the start of each new year by completing the PHFA Participating Lender Annual Recertification Checklist and submitting it with the required documents. Participating lenders must also maintain certain performance and production standards as specified in the Seller's Guide and be actively engaged in PHFA's homeownership programs. Additionally, lenders must remit a Certificate of Insurance for their Fidelity Bond and Errors and Omissions coverage listing Pennsylvania Housing Finance Agency as a certificate holder, upon each renewal of their policy before it expires.

Submit to PHFA

The application package and any additional information that we may request must be submitted within 120 days of your application.

If mailing OVERNIGHT:


If sending via REGULAR mail:

Pennsylvania Housing Finance Agency
Homeownership Programs
211 North Front Street
Harrisburg, PA 17101


Pennsylvania Housing Finance Agency
Homeownership Programs
P.O. Box 8029
Harrisburg, PA 17105-8029