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Alerts & Notices (Alertas)
- Board Meeting Notice: The next board meeting will be held Thursday, December 11, 2025 at 10:30 am via remote means. Registration can be found under Public Meeting Notice.
- All PHFA systems will be unavailable starting on, December 20th, 2025 from 8:00 am until 2:00 pm for system maintenance. We apologize for the inconvenience.
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 Sewage 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)
- Best DIY Bang For Your Buck (YouTube Video courtesy of realtor.com)
- Hiring a Contractor (YouTube Video courtesy of realtor.com)
- How to Set up an Emergency Fund (YouTube Video courtesy of Yahoo Finance)
If you have questions, please feel free to contact our Customer Solutions Center at 1.855.U.Are.Home (827.3466).