Zuber Realty

  • Selling
  • Buying
  • News & Tips
  • Agents & Offices
    • Meet Our Team
    • Boyertown Office
    • Pottstown Office
    • Royersford Office
    • Morgantown Office
    • Red Hill Office
  • More…
    • Open Houses
    • Communities
    • New Construction
    • Zuber Commercial
    • Rentals
    • Property Management
    • Careers
    • About Us
    • Contact Us
  • Login
More search options...
Home > Home Buying > First-Time Homebuyer Loans and Programs

First-Time Homebuyer Loans and Programs

May 20, 2021 By Connie Dolansky

your first home

Buying your first home is a big deal and may seem overwhelming especially for first-time homebuyers. If you are a first-time homebuyer and not sure if you can afford a house, there are programs that can help.

PA Housing Finance Agency (PHFA) offers home purchase and refinance loans to qualified borrowers throughout Pennsylvania. There are a variety of mortgage programs for home purchase, purchase assistance, refinance options, and home improvements and repairs available for homebuyers depending on your individual situation.  

Why Choose a PHFA Home Loan?

PHFA home loan programs offer many benefits including:

  • Competitive interest rates
  • Fewer fees
  • 30 year, fixed-rate terms
  • Can be used with conventional, FHA, VA, or RD loan types
  • Save up to $2,000 each year if you qualify for the Mortgage Tax Credit Certificate
  • Possible down payment and closing cost assistance
  • Mortgage serviced by PHFA for the life of the loan
  • Special programs for people with disabilities
  • Employer assisted housing available to buyers working for participating employers

Homebuyer Counseling and Education

PHFA offers homebuyers the opportunity to receive free homebuyer counseling and education through its approved counseling agencies and online program. Housing counselors provide guidance and advice to help families and individuals improve their housing conditions and meet the responsibility of homeownership. They can determine if you are ready for a home loan, and if so, how much of a home you can afford. If you decide you are not ready for homeownership, counselors will help you develop a plan towards purchasing your first home.

Topics covered during counseling include:

  • Evaluating mortgagor readiness
  • Fair housing
  • Credit report analysis and repair
  • Budgeting for mortgage payments
  • Improving money management skills

Contact Us

For more information on the homebuyer programs offered by PHFA, contact your Zuber Realty agent who can help you decide if any of these programs are right for your situation.

Filed Under: Home Buying

We Work for You!

When you create an account with us, you can save searches and properties, and receive email updates whenever new or changed listings meet your saved searches!

Sign Up

Nearby Communities

Morgantown

Morgantown

Come to Morgantown, a bustling hub in a rural setting in Caernarvon Township where southern Berks County and Lancaster County meet. Morgantown lies conveniently at the intersection of Route 10, Route 23, Interstate 176, and the Pennsylvania Turnpike. It also serves as the crossroads of the past, present, and future. The past unfolds in open fields that undulate…
[Read more]

North Chester County housing development

Coventry and Vincent Townships

Northern Chester County is a rural area with rolling hills, scenic views and horse farms. The area provides a variety of ideal living experiences. The Coventry and Vincent Townships are comprised of North Coventry, South Coventry, East Coventry, East Vincent, and West Vincent Townships. They are communities with a rural feel with rolling hills, scenic…
[Read more]

Borough of Phoenixville

Phoenixville

Phoenixville is an old mill town in Chester County that has gone through a total revitalization of its downtown. Beyond the main streets is a variety of attractive and well-kept housing options. Hometown Fun Main and Bridge Streets provide multiple eating establishments and shops. From restaurants, micro-breweries, a distillery, and wine tasting rooms to locally…
[Read more]

We Work for You!

Zuber Realty, your local real estate partner, helps you find or sell homes in Boyertown, Pottstown, Royersford, Morgantown or Red Hill. Montgomery, Berks, Chester, Bucks, Lancaster and Lehigh counties

Connect with Us

  • Rss Feed
  • Facebook
  • LinkedIn
  • YouTube
  • Email

Richard A. Zuber Realty

201 East Philadelphia Ave
Boyertown, PA 19512

Five convenient offices to serve you:

Boyertown Office | (610) 369-0303

Pottstown Office | (610) 326-7300

Royersford Office | (610) 948-7300

Morgantown Office | (610) 286-3032

Red Hill Office | (215) 679-0303

All information deemed reliable but not guaranteed and should be independently verified. · Consumer Notice · Privacy Policy Copyright © 2008–2023 Zuber Realty · Site Design by Delos Incorporated