1. HFA Preferred Risk Sharing (No MI) is a 30-year fixed-rate term conventional mortgage offered to low-income homebuyers. If you become an eligible borrower, you won’t have to pay mortgage insurance (No MI) even when your down payment is less than 20 % of your home's purchase price. You will have to pay instead a slightly higher interest rate for this loan.

HFA Preferred Risk Sharing (No MI) requires that you meet income and purchase price limits and you are allowed to use the loan for purchasing or refinancing your primary residence. You don’t have to be a first-time buyer, but the purchased home has to be your primary residence.

HFA Preferred Risk Sharing (No MI) requires you bring at least $1,000 from your own funds and you have to reach a FICO score at or above 680. You also have to own sufficient funds to pay standard mortgage application and closing fees.

HFA Preferred Risk Sharing (No MI) requires you complete a pre-closing homebuyer education and earn a certification and the necessary knowledge as a homebuyer. The course is available both for in-person and online classes. You are also advised to contact a specialized lender who will guide you through the application and buying process.

 

HFA Preferred (Lo MI) is a 30-year fixed-rate term conventional mortgage offered to low-income buyers. If you become an eligible borrower, you will have to pay mortgage insurance (Lo MI) even when you put down less than 20 % of your home's purchase price. You will have to pay a standard interest rate for this loan.

HFA Preferred (Lo MI) requires that you meet income and purchase price limits and you are allowed to use the loan for purchasing or refinancing your primary residence. You don’t have to be a first-time homebuyer, but the purchased home has to be your primary residence. You are accepted as a borrower if you prove an acceptable credit history and the ability to make monthly payments on the home you expect to buy.

HFA Preferred (Lo MI) requires you bring at least $1,000 from your own funds and you have to reach a FICO score at or above 680. You also have to own sufficient funds to pay standard mortgage application and closing fees.

HFA Preferred (Lo MI) requires you complete a pre-closing homebuyer education and earn a certification and the necessary knowledge as a homebuyer. The course is available both for in-person and online classes. You are also advised to contact a specialized lender who will guide you through the application and buying process.

 

Keystone Home Loan Program is a low-rate, 30-year fixed PHFA mortgage loan for both first-time homebuyers and repeat homebuyers who have to fulfill different requirements. If you are a first-time homebuyer (meaning you haven’t owned a home within the last three years), you become eligible if you and any other adults who will live in your home are first-time homebuyers. You can be a repeat homebuyer if you buy your home in a targeted area or you're a discharged U.S. military veteran.

Keystone Home Loan Program requires purchase price and income limits and you are demanded to prove that you have a good credit history or you own enough cash and sufficient funds for application fees. You have also to prove that you are able to repay your loan. The total income of the household includes all persons over 18 that intend to occupy the home within one year from loan closing.

Keystone Home Loan Program allows FHA, VA or RD loans or any other loans which may have additional eligibility requirements regarding the buyer and/or the property.

Keystone Home Loan Program requires you complete a pre-closing homebuyer education and earn a certification and the necessary knowledge as a homebuyer. The course is available both for in-person and online classes. You are also advised to contact a specialized lender who will guide you through the application and buying process.

 

Access Downpayment and Closing Cost Assistance Program is an interest-free deferred-payment second loan designed for people who have a permanent disability or live with a family member who has a permanent disability.

Access Downpayment and Closing Cost Assistance Program requires you be qualified for a first mortgage loan and meet household income limits that cannot exceed 80 % of the statewide family median income (as determined by the Federal Department of Housing and Urban Development). The total income of the household includes all persons over 18 that intend to occupy the home within one year from loan closing.

Access Downpayment and Closing Cost Assistance Program offers you a minimum loan amount of $1,000 and a maximum amount of $15,000.

Access Downpayment and Closing Cost Assistance Program qualifies you, if you are able to contribute (from 3% to 5 %) from your own funds for your home's purchase and to prove that you own liquid assets of no more than $5,000.

Access Downpayment and Closing Cost Assistance Program requires you complete a pre-closing homebuyer education and earn a certification and the necessary knowledge as a homebuyer. The course is available both for in-person and online classes. You are also advised to contact a specialized lender who will guide you through the application and buying process.

 

HOMEstead Downpayment and Closing Cost Assistance Loan Program is an interest-free second mortgage for down payment and/or closing costs. If you become eligible, you are allowed to receive up to $10,000 (with no-interest) to be used as a second mortgage. HOMEstead Downpayment and Closing Cost Assistance Loan Program requires that you reach a minimum credit score of at least 660 and you have to prove that you don’t own liquid assets of more than $50,000. This program allows you to be forgiven at 20 % per year over 5 years for all loans closed on or after January 1, 2007.

HOMEstead Downpayment and Closing Cost Assistance Loan Program requires you be qualified for a first mortgage loan and meet household income limits that cannot exceed 80 % of the statewide family median income (as determined by the Federal Department of Housing and Urban Development). The total income of the household includes all persons over 18 that intend to occupy the home within one year from loan closing.

HOMEstead Downpayment and Closing Cost Assistance Loan Program requires you complete a pre-closing homebuyer education and earn a certification and the necessary knowledge as a homebuyer. The course is available both for in-person and online classes. You are also advised to contact a specialized lender who will guide you through the application and buying process.

 

Keystone Advantage Assistance Loan Program is a second mortgage loan designed to help borrowers with the costs associated with the purchase of a home. If you become eligible, you will be able to receive up to 4% of the purchase price or market value or $6,000 (whichever is less) in downpayment and closing cost assistance. The loan has to be repaid monthly and it will be amortized over a 10-year term at zero % interest.

Keystone Advantage Assistance Loan Program requires that you reach a minimum credit score of at least 660 and you have to prove that you don’t own liquid assets of more than $50,000.

Keystone Advantage Assistance Loan Program requires you be qualified for a first mortgage loan and meet household income limits that cannot exceed 80 % of the statewide family median income (as determined by the Federal Department of Housing and Urban Development). The total income of the household includes all persons over 18 that intend to occupy the home within one year from loan closing.

Keystone Advantage Assistance Loan Program requires you complete a pre-closing homebuyer education and earn a certification and the necessary knowledge as a homebuyer. The course is available both for in-person and online classes. You are also advised to contact a specialized lender who will guide you through the application and buying process.

 

ACCESS Home Modification Program is an interest-free deferred-payment loan designed for disabled people or people that live with a family member who has a permanent disability. If you become eligible, you can use the loan to bring improvements to your home such as: bathroom and kitchen modifications, installation of grab bars and handrails, lifting devices, main level bathroom or bedroom addition, ramp addition or repair, sidewalk addition or repair and widening doorways or hallways.

ACCESS Home Modification Program allows you to take an amount between $1,000 and $10,000. You have to take into account that the loan is available on a first-come, first-serve basis. The loan has no interest and no monthly payment is required, but if you sell, transfer, or non-owner occupy the property, the loan becomes due and payable.

ACCESS Home Modification Program requires you be qualified for a first mortgage loan and meet household income limits that cannot exceed 80 % of the statewide family median income.

ACCESS Home Modification Program requires you complete a pre-closing homebuyer education and earn a certification and the necessary knowledge as a homebuyer. The course is available both for in-person and online classes. You are also advised to contact a specialized lender who will guide you through the application and buying process.

 

Renovate and Repair Loan Program is a mortgage loan program designed for people who want to make the necessary repair to their homes for making them safer and more energy efficient. Another declared purpose of this program is to prevent homeowners from becoming victims of unscrupulous lending practices (which means you won’t be forced to pay high interest rates, pre-payment penalties or be forced to borrow more money than you really need).

Renovate and Repair Loan Program requires you have a minimum credit score of 620 and to meet the income and purchase price limits (as determined by the Federal Department of Housing and Urban Development). The total income of the household includes all persons over 18 that intend to occupy the home within one year from loan closing.

Renovate and Repair Loan Program allows you to pay for your home’s repairs and improvements for increasing the basic livability of your home. 

Renovate and Repair Loan Program requires you complete a pre-closing homebuyer education and earn a certification and the necessary knowledge as a homebuyer. The course is available both for in-person and online classes. You are also advised to contact a specialized lender who will guide you through the application and buying process.

 

Purchase Improvement Loan Program is a loan which allows borrowers to combine a Keystone Home Loan with additional funds for home repairs or improvements. If you become an eligible borrower, you are allowed to take between $1,000 and $15,000.

Purchase Improvement Loan Program allows you to do repairs and improvements which may include: plumbing or electric systems, improved heating or air-conditioning systems, addition of living space, kitchen or bathroom renovation, roof replacement or energy conservation or solar energy improvements. You are required to work only through a qualified and licensed contractor.

Purchase Improvement Loan Program requires you have a minimum credit score of 620 and meet the income and purchase price limits (as determined by the Federal Department of Housing and Urban Development). The total income of the household includes all persons over 18 that intend to occupy the home within one year from loan closing.

Purchase Improvement Loan Program requires you complete a pre-closing homebuyer education and earn a certification and the necessary knowledge as a homebuyer. The course is available both for in-person and online classes. You are also advised to contact a specialized lender who will guide you through the application and buying process.

 

Employer Assisted Housing (EAH) Initiative is a 30-year fixed-rate loan and down-payment assistance which provides affordable housing for low- to moderate-income workers. You may become an eligible borrower, if you are part of one of the next categories: employee, medical personnel, school employee, police and fire personnel, county worker, laborer, service industry staff, etc.

Employer Assisted Housing (EAH) Initiative allows you to get $8,000 for downpayment and/or closing cost assistance which is an interest free loan amortized over 10 years. You are required to meet the eligibility requirements for the Advantage Program which is limited to the lesser of 4% or $6,000, unless you are a EAH borrower.

Employer Assisted Housing (EAH) Initiative allows FHA, VA or RD loans or any other loans which may have additional eligibility requirements regarding the buyer and/or the property. You must reach a minimum credit score of 620 and meet the income and purchase price limits (as determined by the Federal Department of Housing and Urban Development).

Employer Assisted Housing (EAH) Initiative requires you complete a pre-closing homebuyer education and earn a certification and the necessary knowledge as a homebuyer. The course is available both for in-person and online classes. You are also advised to contact a specialized lender who will guide you through the application and buying process.

 

Mortgage Credit Certificate (MCC) is a dollar-for-dollar reduction against your federal tax liability. Thus, if you become an eligible borrower, you can claim up to 50% of the mortgage interest paid per year which can reach up to $2,000 annually.

Mortgage Credit Certificate can be paired with many other programs such as: HFA Preferred™(Lo MI), HFA Preferred Risk Sharing™(No MI), or Keystone Government Loan. Purchase price and income limits apply; the total income of the household includes all persons over 18 that intend to occupy the home within one year from loan closing.

Mortgage Credit Certificate requires that you meet income and purchase price limits; you are allowed to use the loan for purchasing or refinancing your primary residence. You have to be a first-time buyer, unless you are a veteran or you buy your home in a targeted area. The purchased home has to be your primary residence. You are accepted as a borrower if you prove an acceptable credit history and the ability to make monthly payments on the home you expect to buy.

Mortgage Credit Certificate requires you complete a pre-closing homebuyer education and earn a certification and the necessary knowledge as a homebuyer. The course is available both for in-person and online classes. You are also advised to contact a specialized lender who will guide you through the application and buying process.