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Participating Lenders

Below are the lists of lenders who are able to assist you with financing a home through the Penn Home Ownership Services (PHOS) program.

After you have been pre-approved for the program through the application process, please follow up with these specific lenders to get pre-qualified for a mortgage. In order to obtain funding from PHOS programs to support closing costs associated with your mortgage, you must use one of the lenders and lending officers listed below.

Guaranteed Rate

Guaranteed rate



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Closing Cost Reduction Program



  • Borrowers must be fulltime employees of the University of Pennsylvania or the University of Pennsylvania Health System (including Clinical Practices, Clinical Care Associates, Presbyterian, HUP, Good Shepherd Partners, and Pennsylvania Hospitals) who have successfully completed the probation period, and are either United States citizens or permanent resident aliens. Employees working on a contractual basis must have a minimum three year contract.


  • One or two-unit primary residences must be located within geographical boundaries (see map). When a property is located on a boundary line street, then only the property on the side of the street that falls into the boundary area qualifies.


  • Borrowers must meet lending partners’ credit guidelines. The final lending decision is at the discretion of the lending partners.



Borrower receives a nominal discount towards the total closing costs during settlement.



PHOS Lenders