• Save Thousands of Dollars on your mortgage loan WITHOUT refinancing, home appraisals, credit reports, closing costs, or a change in your lender with this FREE software and FREE service! • Established in 1937, PHA is the nation's fourth largest public housing authority. Today, we own and operate more than 14,000 affordable housing units, serving more than 80,000 Philadelphians. PHA is also an award-winning housing and community