Trident Mortgage is dedicated to partnering with state sponsored organizations to make sure that we provide diverse, affordable product offerings to all qualified borrowers.
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 (PHFA) 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.
Please feel free to reach out to one of our experienced Mortgage Consultants today. To find a Mortgage Consultant near you, please click here. Below are some examples of our product offerings with our partners.
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What Our Customers are Saying
Working with Dennis and team at Trident went beyond their assistance in securing the most optimal mortgage option for my wife and I, but also provided us with the insight, clarity and confidence we needed as first time homebuyers! Their availability to talk through scenarios and willingness to walk us through every aspect of the homebuying and mortgage process added more value than we could have asked for. We explored mortgage options parallel to Trident with a major bank, and Trident shined by far exceeding the customer experience and had a much clearer client online portal that made the application process simple and easy to use. We had to make a lot of tough decisions as home buyers and we couldn't be happier having chosen to work with Trident!~ M.P.