PHFA Keystone Home Loan


Are you or anyone you know looking to buy their first home? Now's a great time to get started! The Pennsylvania Housing Finance Agency’s, (PHFA’s) rate on its Keystone Home Loan Program is currently 5.875%! This low rate is significantly lower than the current conventional 30-year interest rate and is only available until funds run out!

For those who qualify, the Keystone Home Loan offers low down payments, generous seller assists and can even be combined with PHFA's K-FIT program to help you with down payment and closing costs if needed!

PHFA Keystone Home Loan Features:

  • ONLY 3% minimum down payment! 
  • 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.
  • 1-2 Unit and Condos allowed.  
  • Purchase price and income limits apply.
  • Property must meet PHFA's property guidelines.


Contact us to get started on your road to homeownership with a no-cost mortgage pre-qualification, we're always here to answer any questions you may have!



*Rate effective 4/30/24. Annual Percentage Rate (APR) based on $300,000 purchase price with 3% down with total monthly payment of $2,413.52 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 and MD Mortgage Lender #23004. NMLS #128570.