Lehigh Valley Real Estate Down payment and Closing Costs Assistance. Looking at all your options available with thinking about buying a Lehigh Valley Home and Getting Lehigh Valley Mortgage.
PHFA = Pennsylvania Housing Finance Agency 211 North Front Street, Harrisburg, PA 17105 1-800-822-1174
What & Who is PHFA? Well, in their words....
"The Pennsylvania Housing Finance Agency is the Commonwealth's leading provider of capital for affordable homes and apartments. Created to help enhance the quality and supply of affordable homes and apartments for older adults, persons of modest means, and persons with disabilities, the Agency operates homeownership programs, rental housing development initiatives, and a foreclosure prevention effort."
This is one of the biggest best kept secrets in helping people become homeowners! There are of course certain qualifications you must meet to become eligible for the many programs they have available. But, it is certainly work your review to see if one of these programs might fit your needs. You will need to work with a Mortgage Broker who has been trained by the state and is certified to provide these programs to you. Melissa at Allied Home Mortgage is trained and certified to help you with all the details of all of these programs.
Here is a list of the programs currently available, a brief description and links to the PHFA page for more information.
Home Purchase Programs
1) Keystone Home Loan Program: You are not a First Time Home Buyer and you meet all 6 qualifications of this program, this program may fit you.
2) Keystone Home Loan PLUS Programs: All Adults who intend to live in the home for the first 12 months are first time homebuyers and you meet all 6 conditions from the Keystone Home Loan Program above, this program may fit you.
3) Purchase Improvement Program: Purchase Improvement Program: PHFA's Purchase Improvement loan allows buyers who qualify for a Keystone Home Loan or a Keystone Home Loan PLUS to purchase and improve/repair a home within one transaction. Eligible buyers may include between $1,000 and $15,000 for repairs and/or improvements with a conventional PHFA first mortgage, as long as the As Completed appraised value supports the cost of the repairs. This allows the buyer to make needed repairs right away, without having to take out another loan at a higher rate and with a shorter repayment period.
Assistance Loans
1) Keystone PLUS Assistance Program: If you meet the four conditions of the Keystone Home Loan PLUS Program, you may be eligible to receive a zero-interest loan of up to $2,000 in assistance to help with the costs associated with the home purchase.
2) HOMEstead Downpayment and Closing Cost Assistance Loan: Homebuyers eligible for the HOMEstead program may qualify for up to $20,000 in downpayment and closing cost assistance in the form of a no-interest, second mortgage loan.
3) Special Programs for Persons with Disabilities: PHFA offers an additional home loan program to buyers with disabilities or those with a disabled household member under the Fannie Mae Community HomeChoiceTM Loan. Buyers with a disability or a disabled household member who are eligible for one of these three home loan programs may also be eligible to receive funds to make access modifications to the home they buy. Closing cost and downpayment assistance loans are also available.
4) Renovate & Repair Loan Program: The purpose of the Keystone Renovate & Repair Loan Program (R&R loan) is to help:
- Prevent homeowners from becoming victims of unscrupulous lending practices (i.e., high interest rates and costs, more money borrowed than needed, pre-payment penalties, etc.).
- Homeowners prioritize their home repair spending so that the work that they get done is what their home really needs.
- Improve Pennsylvania's aging housing stock for its current residents and future generations
5) REfinance to an Affordable Loan Program (REAL): Is your adjustable rate or interest-only mortgage about to explode? Are you at risk of losing your home unless you can refinance to more affordable terms? If so, the REAL program may be your answer!
NOW THIS IS NOT EVERYTHING YOU NEED TO KNOW BY THE VERY LEAST BUT A BRIEF INTRODUCTION TO WHAT IS AVAILABLE.
Local Lehigh Valley Down payment and Closing Cost Assistance
I hope this information was helpful!
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