Know Someone Looking to Buy a Home?
PHFA's low rate, 3% down option and available down payment and closing cost assistance can open the door to homeownership - especially for first-time buyers!
The Pennsylvania Housing Finance Agency’s, (PHFA’s) rate on its Keystone Home Loan Program is currently 6.250%! This low rate is significantly lower than the current conventional 30-year interest rate and is only available until funds run out so buyers should act quickly!

For those who qualify, the Keystone Home Loan Program also offers a 3% down payment option and an available zero percent interest second mortgage to help with down payment and closing costs! Qualified buyers can receive up to 4% or $6,000 (whichever is less) of the purchase price or market value of the home to be repaid over 10 years. This incentive adds another option that can bring homeownership into financial reach!
PHFA Keystone Home Loan Program Features:
  • ONLY 3% minimum down payment! 
  • The Interest rate for the Keystone Home Loan with closing cost assistance option is 6.375% and can only be used for the minimum required down payment and/or closing costs.
  • Conventional 30-year fixed mortgage (FHA, USDA & VA options also available)
  • Primarily for first-time buyers and repeat buyers in certain areas.
  • Seller assists permitted.
  • Purchase price and income limits apply.
  • 1-2 unit and condos allowed.  
  • Homebuyer education class may be required.
  • Property must meet PHFA's property guidelines. Call for details.
Please contact me for more information, including income and property eligibility restrictions.
Robyn Brody
Senior Mortgage Advisor  
NMLS# 144894 
cell: 215.290.2461
Rate and Annual Percentage Rate (APR) based on $250,000 sales price with $242,500 loan amount and monthly principal and interest payment of $1,493.11 for 360 months. 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.