Pennsylvania Housing Finance Agency

In order to make the commonwealth a better place to live while fostering community and economic development, the Pennsylvania Housing Finance Agency provides capital for decent, safe and affordable homes and apartments for older adults, persons of modest means and those with special housing needs.

Relation to the State Government: Independent State Agency and a Public Corporation

Current Staff Size: 306

Visit PHFA's Website


PHFA is established, begins operations with staff of eight next year.



PHFA launches single-family affordable home loan programs.



Foreclosure prevention program has helped 23,000 homeowners.



PHFA starts statewide housing counseling network.



The agency launches


Total Financing Provided


Renters Served Since 1972


Homeowners Served Since 1972

Signature Program

Homeowners’ Emergency Mortgage Assistance Program (HEMAP)

Sometimes bad situations happen, like the loss of a job or a serious illness. PHFA’s Homeowners’ Emergency Mortgage Assistance Program, or HEMAP, assists people during these difficult times by helping them get current on their mortgage if they’ve fallen behind. HEMAP loan repayments help fund assistance to other homeowners facing foreclosure.

Family Homes Saved: 50,400

Future Focus


Robin Wiessmann 

Executive Director & CEO

“It’s imperative that our housing agency place continuing and enhanced emphasis on addressing the issue of housing and social inequality in Pennsylvania. All people should have access to affordable housing. At PHFA, we must ensure that our programs are part of the solution for creating a more just and equitable commonwealth.”


Success Stories
Jake and Natalie Limm


Harrisburg, PA

Jake and Natalie Limm lived in an apartment for three years. It had no room for hobbies. No reserved parking. Plus, an extra fee if you wanted a pet. They were ready to buy a home. After months of searching, they bought a three-bedroom house – using an affordable PHFA home loan. With their cat Holly, they make a happy family.

Robert Nowell


Philadelphia, PA

A few years ago, Robert Nowell, 71, rented a room for his housing. Today he enjoys a one-bedroom apartment with a living room, kitchen and bathroom – plus his rent is lower. His building’s management also offers supportive services, like cooking classes. Now he’s eating better, has lost weight and his health’s improved.

Dave Marcellus


Aston, PA

When Dave Marcellus was laid off from his job, his home was in danger of foreclosure. With four children, the situation was dire. PHFA’s foreclosure prevention program helped with his monthly mortgage payment, saving their home and giving Dave time to find new employment. Today, Dave has paid off their mortgage, and they now own their home.

Jim Britt is a retired fireman with a disability. The affordable apartment he found in Jim Thorpe, PA, is fully accessible. Funding from PHFA helped make it possible.
Marcus and Michelle Cole wanted to buy a home where they could raise a family. A home loan from PHFA, including down payment and closing cost assistance, was the solution.
When Melissa Winfrey wanted to buy a home, she got free homebuyer counseling from PHFA’s statewide counseling network. Today, she owns a home with her two girls in Grindstone, PA.
Living on a fixed-income, Sandy was in search of an affordable apartment. She’s now happily living at the Penn Mathilda Apartments, constructed with tax credits from PHFA.