Who Am I?
works to provide affordable homeownership and rental housing options for older adults, low- and moderate-income families, and people with special housing needs
PHFA
Interest Rate on forgiveable 2nd mortgages
0%
Minimum credit score for K-Fit
660
$93,300
York County Keystone Home Loan Income Limit
Minimum borrower contribution
1% or $1000 borrowers own funds
Keystone Forgivable in Ten Years Loan Program
K-FIT
3% or 5%
Conventional down payment options
Minimum credit score for K-Gov
620
$500
Minimum K-Fit loan amount
Homebuyer education required for these programs
Keystone Home Loan
Keystone Flex
Your Homesale Lending Team
Bentley and Teresa
term which forgivable 2nd is forgiven
1/10% a year over 10 years
this program is for 1st time buyers only
Keystone Home Loan
$349,500
York County Keystone Home Loan maximum purchase price
Required inspection on all properties
We are always available to help and your clients
Bentley and Teresa
3.5%
FHA minimum down payment
This program is open to any buyer but must use K-Fit funds
K-Flex
$484,600
Keystone Flex Maximum Purchase Price Limit
Uses household income to qualify
Includes FHA and USDA insured loans
K-Gov
0% down
Minimum USDA down payment
Maximum K-Fit loan amount
5% of the purchase price or appraised value
$180,200
Keystone Flex Maximum Qualifying Income Limit
Uses qualifying income to qualify
K-Flex