Pennsylvania Housing Finance Agency - Loan Programs
Access Home Modification Program
Provides interest-free loan to modify homes. Eligible modification items may include, but are not limited to, bathroom modifications, installation of grab bars and handrails, kitchen modifications, lifting devices, main level bathroom or bedroom addition, ramp addition or repair, sidewalk addition or repair, and widening doorways or hallways.
Eligibility: - Buyers who need to modify the home they are purchasing to suit the living needs of a household member with a disability
- Applicants must be homebuyers who are persons with a permanent disability or have a family member(s) living in the household with a permanent disability who are purchasing a new or existing home with a loan originated through one of the Agency's homeownership loan programs.
- Applicants may apply for any of the Agency's first mortgage programs (i.e., Keystone Home Loan, HFA Preferred Risk Sharing, HFA Preferred, HOMEstead, or the Keystone Government Loan).
- Applicants must meet the underwriting guidelines for the first mortgage program in which they are applying. Refer to Seller's Guide for program guidelines.
- All applicants with middle credit scores below 660 are required to complete homebuyer education and counseling prior to closing.
Hours: Monday through Friday, 8:00am to 5:00 pm
Phone/FAX Numbers
  • (800) 822-1174 Main
Intake Procedure: The loan application, processing, and closing is handled by a network of participating lendersthat have been approved and trained by the Agency - check the web for current list.
Fee Amounts: Access mortgage loans are interest free and have no fees.
Geographical Area: Pennsylvania
Helpful Tips: Mortgage amounts not less than $1,000 and no more than $15,000. Funds will be available on a first come, first serve basis.
This is a non-interest-bearing loan with no monthly payment. The loan becomes due and payable upon sale, transfer, or non-owner occupancy of the property.
  • Home Barrier Removal Loans
If you represent this agency, update your listing here.
* The community resource directory information is up to date to the best of our knowledge. However, you should always call the provider to confirm this information and make an appointment. Be sure to confirm payment information with the provider, if payment is required. Pennsylvania 211 does not rate, recommend or endorse any agency. We simply provide information as a public service.
Pennsylvania Housing Finance Agency - Loan Programs
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