PHFA Keystone Renovate & Repair Loan Program

About This Program

PHFA's Keystone Renovate & Repair (R&R) Loan Program offers below-market interest rate loans through a network of local nonprofit and government administrators to finance health, safety, energy efficiency, accessibility improvements, and code violations in owner-occupied homes statewide. Borrowers work with a Local Program Administrator who manages contractor selection and draws, ensuring quality workmanship. Contact PHFA for current interest rates and participating administrators in your area.

Estimated interest savings vs. market rate over loan term; assumes $20,000 loan.

Key Details

• Below-market interest rate loans for home repairs and improvements
• Up to $30,000 for renovation work on owner-occupied homes
• Covers health, safety, energy efficiency, and accessibility projects
• Administered locally by PHFA-approved nonprofits and lenders
• Call PHFA at 1-855-827-3466 for local administrator referral

How to Apply

Deadline: Rolling applications through PHFA-approved lenders and local program administrators