Philadelphia Mortgage Advisors, Inc. offers a range of loan programs to meet different needs:

1. PHFA First-Time Homebuyer Mortgages: Designed for first-time homebuyers in Pennsylvania, these mortgages provide competitive rates and down payment assistance options through the Pennsylvania Housing Finance Agency (PHFA).

2. USDA Rural Housing Loans: This loan program is aimed at individuals purchasing homes in eligible rural areas. It offers low interest rates and flexible credit requirements, making homeownership more accessible in rural communities.

3. New Jersey First-Time Home Buyer Loans (NJHMFA): Specifically tailored for first-time homebuyers in New Jersey, these loans provide assistance with down payments and closing costs. They are administered through the New Jersey Housing and Mortgage Finance Agency (NJHMFA).

4. VA Loans: Philadelphia Mortgage Advisors offers VA loans, which are exclusively available to eligible veterans, active-duty service members, and surviving spouses. These loans offer favorable terms and require no down payment or mortgage insurance.

5. First-Time Buyer Programs and Grants: The company provides information on various first-time buyer programs and grants that borrowers may qualify for. These programs can help reduce the financial burden associated with purchasing a home for the first time.

Please note that specific eligibility requirements, terms, and conditions apply to each loan program. Contact Philadelphia Mortgage Advisors for more details and personalized assistance in selecting the right loan program for your needs.