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Mortgage Advice

Ready to buy the home of your dreams? Use these guides to explore your mortgage options and find the ideal solution for your needs.

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  • Home equity is the percentage of your home that you actually own. If you need money now, find out how you can cash in on your home's current equity.

  • Good credit helps when you buy a house, but you don’t need perfect credit to get a loan. Our guide breaks down loan options for different FICO scores.

  • Interest-only loans can keep your monthly mortgage low, but they also keep you from building equity. This guide can help you decide if an interest-only loan works for you.

  • The Keystone Government Loan Program is based on FHA, VA or USDA loans. There are no income or sales price limitations and no first time home buyer requirements.

  • PHFA works with approved banks and mortgage brokers to make home ownership more affordable to qualified borrowers in Pennsylvania.

  • PA home buyers at or below the local median income level can qualify for special financing. Find your county's median income to see if you qualify.