PHFA - VA





Military hats
The VA (Veteran) home loan can be used with either the Keystone Home Loan or the Keystone Government Mortgage.

If you are an eligible veteran, consider using your VA eligibility to purchase your home.

The advantage of a VA mortgage include:


  • Zero down payment!
  • The seller is permitted to pay all customary closing costs on behalf of the veteran
  • Active duty and Reservist can qualify for a VA home loan
  • No private mortgage insurance premium (pmi or mip) requirement
  • The VA does not limit the size of the veteran’s loan

VA home loans can be used to:

  • Buy a home, a condominium unit in a VA approved project.
  • Build a home
  • Simultaneously purchase and improve a home
  • Improve a home by installing energy-related features or making energy efficient improvements
  • Buy a manufactured home and/or lot.
Learn more about VA home loans on the PaFirstTimeHomeBuyer.net site