VHFA mortgage financing gives you the flexibility to work with a lender of your choice from our network of Participating Lenders. Participating Lenders are banks, credit unions and mortgage companies who will take your application and work through the loan process with you. VHFA does not accept applications directly. You must work through a Participating Lender.
VHFA offers multiple mortgage programs, and some programs have different compliance requirements. For example, some options are limited to first-time homebuyers, while others are not. To ensure that you know exactly which VHFA programs and products best suite your situation, work through a Participating Lender to learn more.