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State Bond Programs

Several states offer low interest home loans and other housing assistance for qualified low- and moderate-income buyers. For example, the Pennsylvania Housing Finance Agency (PFHA) offers low-interest, fixed-rate 30-year mortgages. These loans are offered through approved lenders. After closing, the state agency acquires the loans and borrowers make payments directly to the agency.

Under federal law, to qualify for state-sponsored home purchase loans, buyers must fall within certain annual income limits. The loans are typically only available to first-time buyers or to buyers who have not owned and occupied a primary residence for a period of time. Limits also apply to the purchase price of the home; these limits often vary by location within the state. Buyers may be required to take credit counseling and/or homebuyer education courses.

In addition to low-interest loans, borrowers also may be eligible for down payment and/or closing cost assistance.

Learn more from the Pennsylvania Housing Finance Agency.

Learn more from the New Jersey Housing Resource Center.

Learn more from the Delaware State Housing Authority.

We can tell you more about state bond programs.


What Our Customers Say

I am writing to bring to your attention the superior service I have received from your employee Ian Clardy. Throughout my recent mortgage application process, Ian has not only provided consistently clear, professional communication, but he also has always gone above and beyond to patiently and expediently address any of my concerns that arose along the way. In the 20+ years I have owned properties, and having gone through the mortgage and refinancing process at various points in between, I can honestly say that Ian was hands down the most responsive and service-oriented mortgage consultant I have ever worked with. His efforts to accommodate Trident’s customers should be commended. It is largely the result of my interaction with Ian that I will from this point forward unreservedly recommend Trident to friends, family, and colleagues alike. Ian is indeed a rare commodity, in the best sense of that term, and I believe that he is a tremendous asset to your organization. If you would like to talk with me further about my experience working with Ian, please do not hesitate to contact me. Sincerely, Dr. Edward J. Carvalho

~ Dr. Edward J. Carvalho