Program Disclaimers

The funding available through PHOS programs is based on funding availability. Recording fees and processing fees are subject to change in the future based on title company market rates. PHOS offers consulting services and is not a legal resource. Please used trusted and licensed  realtor/attorney representative of your choice before proceeding with any real estate transaction. PHOS is not responsible for:

  • Any losses incurred due to ineligibility of primary or secondary mortgage financing
  • Any rate extension fees
  • And is not involved financially with possible contractor litigation(s) for improper renovation projects.