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      Multiple PA state programs available

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      Can be structured as an FHA, VA, USDA or conventional loan

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      Down payment assistance available

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      Fixed rate mortgage

  • Helping Borrowers in PA

    The Pennsylvania Housing Finance Agency (PHFA) has programs specifically for home buyers in Pennsylvania. With these programs you can purchase a home, receive purchase assistance and/or refinance an existing mortgage. With all of these programs, you will work with an approved lender like FNB through the closing of your loan.1 Thereafter, you will deal directly with the PHFA for all servicing. We participate in the following programs:2

    Home Purchase Programs:

    • HFA Preferred™ (Low and Middle Income)
    • Keystone Home Loan Program
    • Keystone Government Loan Program

    Purchase Assistance Programs:

    • Keystone Advantage Assistance Loan Program (Advantage)
    • Mortgage Tax Credit Certificate

    Key Features:

    A program offered to PA residents for home purchases with competitive interest rates and low fees; some applicants may qualify for down payment and/or closing cost assistance.

    Key Benefits:

    • Competitive interest rates
    • Fewer fees
    • Fixed repayment terms
    • Down payment and closing cost assistance

    For more information about these programs, please visit the Pennsylvania Housing Finance Agency website.Redirect icon

  • Applying for a Pennsylvania Housing Finance Agency Mortgage Program:

    Whether you would like to get pre-qualified or begin the application process, we have convenient ways for you to get started. You can begin by adding this product to your bag. During the checkout process, you can select the option to get started online or set up a time to meet with one of our experts.

    Getting Prepared

    It is helpful if you have the following documents with you during the application process:

    • Fully executed purchase agreement, if available
    • Most recent 30 days of pay stubs
    • Most recent two (2) months of bank statements
    • Prior two (2) years of your W2s
    • Prior two (2) years of tax returns
    • Current driver’s license or photo ID

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Notices & Disclosures

1 - All loan products are subject to underwriting/credit approval.
2 - FNB is an Equal Housing Lender; NMLS #766529.

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