Pennsylvania First-Time Home Buyer Loans (PHFA)


The Pennsylvania Housing Finance Agency (PHFA) has dropped the rate on its Keystone Home Loan Program to 3.250%! This low rate is only for a limited time until funds run out so buyers should act quickly!

For those who qualify, the Keystone Home Loan offers low rates, low down payments and generous seller assists that could make qualifying for a mortgage and purchasing a home easier!

Hurry, this low rate is only available for a limited time!


Features of PHFA Loans:

  • 3% down payment!

  • For first-time buyers and special target areas.

  • Conventional 30-year fixed mortgage (FHA, USDA & VA options also available).

  • Seller assists permitted.

  • Purchase price and income limits apply.


*Rate effective 2/10/2020. Annual Percentage Rate (APR) based on $440,000 purchase price with 3% down with total monthly payment of $2,555.58 for 360 months. Payment includes taxes and insurance. Rate subject to change. Buyer must meet program guidelines. Seller assist and down payment/closing cost assistance based on specific program. Contact for updated rates and full program details. Philadelphia Mortgage Advisors is a licensed mortgage lender by the PA Dept. of Banking and Securities, NJ Dept. of Banking & Insurance, the state of DE, the Florida Office of Financial Regulation, MD Mortgage Lender #23004 and VA State Corporation Commission #MC-6797. NMLS #128570.