The Pennsylvania Housing Finance Agency (PHFA) services mortgage loans for thousands of Pennsylvania homeowners. Making your monthly payment on time protects your home and credit while avoiding late charges. PHFA provides secure options through its borrower portal for online payments and account management, traditional mail, Western Union Quick Collect for urgent needs, and phone assistance for questions or automatic payment setup.
Log in or manage your PHFA mortgage account through the official borrower portal at https://borrowers.phfa.org/.
For complete payment instructions, forms, mailing addresses, and contact details, visit the PHFA website at https://www.phfa.org/.
Pay Online Through the Borrower Portal
The fastest and most convenient way to pay your PHFA mortgage is through the secure borrower portal. After logging in, you can view your current balance and due date, make one-time or scheduled payments, enroll in automatic payments, download statements, and track payment history.
How to get started:
- Visit https://borrowers.phfa.org/
- Log in with your existing credentials or register using your PHFA loan number and personal information
- Add or select your payment method (bank account or card)
- Submit your payment
The portal is available 24/7 on desktop and mobile devices. Payments process securely with confirmation. This option gives you full visibility and control over your loan.
Pay PHFA Mortgage Bill by Mail
Mail your check or money order (payable to Pennsylvania Housing Finance Agency) along with the payment coupon or your loan number clearly written on the check.
Regular monthly payments: Pennsylvania Housing Finance Agency P.O. Box 13280 Philadelphia, PA 19101-3280
Delinquent payments, loan payoffs, or overnight mail: Pennsylvania Housing Finance Agency ATTN: Loan Servicing Division 211 N Front Street Harrisburg, PA 17101-1406
Allow 7–10 business days for delivery and processing. Include your loan number on all correspondence. Payments are due on the first of each month.
Pay by Western Union Quick Collect (Urgent Payments)
For same-day or expedited payments, use Western Union Quick Collect.
Details:
- Code Name: PA Housing
- Code City: Singlefamily
Locate a participating Western Union agent and provide the codes along with your loan number. A service fee applies and is paid to Western Union. This option works well when you need to post a payment quickly.
Set Up Automatic Payments (ACH Bank Draft)
Enroll in free automatic payments by downloading the Automatic Payment Authorization form from the PHFA website. Complete the form, attach a voided check, and submit it as instructed. Your monthly payment will be automatically deducted from your checking or savings account on the due date. You can cancel or update this arrangement by contacting customer service.
Important Billing Information
Payments are due on the first of each month. A late charge applies if payment is not received by the 16th. Accounts 30 days past due are reported to credit bureaus. Contact PHFA immediately if you are having trouble making payments—options such as foreclosure prevention assistance or payment plans may be available.
Scam Warning: PHFA will never ask you to send money to an address other than the official ones listed above or through the secure borrower portal. Foreclosure notices are sent by certified mail only. Be cautious of emails or calls requesting payment to unusual accounts.
Customer Service and Contact Information
Customer Solutions Center: 1-855-827-3466 (1-855-U-Are-Home) Past Due Loan Payments: 1-800-822-7375 Other Loan Questions: 1-800-346-3597 Email (payoff quotes): [email protected]
Physical Office: 211 N Front Street, Harrisburg, PA 17101 Mailing Address for Regular Payments: P.O. Box 13280, Philadelphia, PA 19101-3280
Business hours are generally Monday–Friday, 8:00 a.m. – 5:00 p.m. Have your loan number ready when calling for faster assistance.
FAQs
How do I pay my PHFA mortgage bill online? Log in to the borrower portal at https://borrowers.phfa.org/ to make one-time or scheduled payments and manage your account.
What phone number do I call for PHFA payment help? Call the Customer Solutions Center at 1-855-827-3466 or Past Due Loan Payments at 1-800-822-7375.
Where do I mail my PHFA mortgage payment? Send regular payments to P.O. Box 13280, Philadelphia, PA 19101-3280. Use the Harrisburg address for delinquent payments or payoffs.
Can I pay my PHFA bill over the phone? PHFA does not accept regular payments directly over the phone for security reasons. Use the online portal or mail instead. Representatives can assist with questions or automatic payment setup.
How do I set up automatic payments for my PHFA loan? Download the ACH form from https://www.phfa.org/, complete it with a voided check, and submit it to enroll in free bank draft.
Is there a guest pay option without logging in? The primary method requires account access through the borrower portal. One-time payments are available once you locate your account in the system.
What happens if I pay my PHFA mortgage late? A late charge applies after the 16th. Contact PHFA immediately at 1-800-822-7375 if you are past due to discuss options.
Does PHFA have in-person payment locations? No retail or in-store payment locations are available. Payments are handled online, by mail, or through Western Union Quick Collect.