Your first home shouldn't feel like a crash course.
Between financing, PHFA assistance programs, closing costs, and unfamiliar paperwork, buying your first home in Pennsylvania comes with a real learning curve. Eunice specializes in walking first-time buyers through every step in plain language, so nothing feels like a surprise.
Pennsylvania has real help for first-time buyers.
PHFA assistance programs
The Pennsylvania Housing Finance Agency offers down payment and closing cost assistance for eligible first-time buyers, often through low-interest or forgivable loans. Eligibility depends on income and purchase price.
Low down payment options
Conventional loans can go as low as 3% down, FHA loans as low as 3.5%. The 20% figure most people assume they need often isn't the real requirement.
Closing costs, budgeted properly
Closing costs typically run 2 to 5% of the purchase price, on top of the down payment. Knowing this number early avoids a scramble right before closing.
A first-time buyer's process, explained as you go.
Connect you with the right lender first
Before touring anything, a conversation with a lender clarifies what you actually qualify for, and whether PHFA assistance applies to your situation.
Explain every form as it comes up
Offers, disclosures, inspection contingencies. Eunice walks through what each document actually means and why it matters, not just where to sign.
Negotiate on your behalf
First-time buyers often don't know what's negotiable. Price, repairs, closing cost credits, and timelines all get handled directly with the seller's agent.