Pennsylvania Housing Finance Agency

Established 1972

Your Housing Resource

The Pennsylvania Housing Finance Agency works to provide affordable homeownership and rental housing options for older adults, low and moderate-income families, and people with special housing needs. Through its carefully managed mortgage programs and investments in multifamily housing developments, PHFA also promotes economic development across the state. PHFA programs and operations are funded primarily by the sale of securities, not by public tax dollars, and is governed by a 14-member board.

Member Details

Products and Services

PHFA offers a wide range of loans, services and programs. Below is a brief rundown of offerings – for more information please visit or call 717-780-3800.


PHFA offers:

• Home purchase loans with competitive interest rates and lower fees.

• Down payment and/or closing cost assistance to eligible homebuyers.

• Mortgage Credit Certificates, which allows homebuyers to claim a tax credit for 50 percent of the mortgage interest paid per year, capped at $2,000 annually.

• Access modification loans to make the home accessible to individuals with a disability.

• Refinance options to homeowners seeking to lower their monthly mortgage payment.

• A wide range of loans for energy efficiency repairs, renovation work, sewage system repair and more.

• Housing counseling to those unsure if they can afford to own their own home or to homeowners currently struggling to make mortgage payments.

• Foreclosure prevention assistance to homeowners struggling to make their mortgage payment.

• An online affordable rental housing locator,, that lets you look for rental housing by entering location, targeting monthly rent payments and other criteria that match your needs.

In addition, PHFA’s Multifamily Division utilizes tax credits, federal HOME dollars, agency dollars and more to build and maintain affordable housing developments throughout the Commonwealth.

Social Media Links

Business Hours

Mobile Access

Member Events from our Agenda Event Calendar

Featured Events

PHFA Housing Services Conference
June 18-20, 2014
Scranton Hilton & Conference Center

Scranton, PA


PHFA Commonwealth Housing Forum
May 7-8, 2015
Hilton Harrisburg

Harrisburg, PA


No events

Street Map & Driving Directions

Pennsylvania Housing Finance Agency

211 North Front Street, Harrisburg, PA 17101

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On street metered parking is available widely throughout Harrisburg, and off-street parking is available in the River Street Garage, accessed via Second Street. PHFA also has a private garage, available with appointments.

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Member Videos

MODE & Features

Pennsylvania Housing Finance Agency Consumer Advisory
Misleading websites falsely claim to offer PHFA loans As released by the Pennsylvania Housing Finance Agency.
PHFA announces $8.45 million for housing improvement in PA
The Pennsylvania Housing Finance Agency today approved the recipients of funding for projects to improve the availability and affordability of housing in the Marcellus Shale region of the state.
PHFA announces $18.7 million in funding for affordable multi-family developments in PA
The board of the Pennsylvania Housing Finance Agency has approved $16.8 million in low-income housing tax credits and $1.9 million in PennHOMES funding for the construction of affordable multifamily housing developments in Pennsylvania.

Pennsylvania Housing Finance Agency Awards

Associations and Accreditations: 
Industry Partner Award  PennDel AHMA 2007
Annual Award for Program Excellence National Council of State Housing Agencies 2006
Economic Key to Success Anchor Awards 2010
Rep. Henry B. Gonzalez Award National Council of State Housing Agencies 2011
Annual Award for Homeownership & New Production National Council of State Housing Agencies 2003
Annual Award for Management Innovation Operations National Council of State Housing Agencies 2006
Annual Award for Rental Housing Multifamily Management National Council of State Housing Agencies 2000
Annual Award for Program Excellence, Management IT National Council of State Housing Agencies 2006
Annual Award for Annual Report National Council of State Housing Agencies 2006
The Hermes Gold Award, Information Resources Division Davey Awards 2011
Information Resources, Annual Report Award  Marcom Gold Awards 2009
Impact Award National Council of State Housing Agencies 2006
Community Impact Best Practices Philadelphia  2007
Campaign Excellence Award United Way Capital Region 2012
HYP Business Move of the Year Harrisburg Young Professionals  2002
Community Service Award Community Action Agency of Delaware County 2002
Excellence in Affordable Housing  Energy Star 2007
National Award of Excellence  NAHRO 2008
National Award of Merit in Program Innovation Resident and Client Services 2004
Planning Award York County Planning Commission 2008
Public Official of the Year, Brian Hudson PA Statewide Independent Living Conference 2006
Appreciation Award NeighborWorks America 2010
Certificate of Membership Harrisburg Parks Partnership 2008
Outstanding Commitment Promoting
Resurgence of the Mon Valley
Mon Valley Initiative  2005
Green Power Achievement, LEED Building Gold PennFuture 2006
Mortgage Bankers Association Membership Certificate Mortgage Bankers 2012
Harrisburg Regional Chamber Membership Certificate Harrisburg Regional Chamber 2012-2013
Support for High School Sports "Live" TV Sports  2012-2013
Appreciation Award Habitat for Humanity International 2004

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