How do I start?
- Contact a VHFA Participating Lender: Only a VHFA Participating Lender can pre-qualify you for a VHFA loan and start the application process. Contact the Participating Lender of your choice from this complete list.
- Select VHFA program: The VHFA Participating Lender will review program options to help determine the best fit.
- Complete homebuyer education and counseling: All VHFA mortgage programs require borrowers to complete pre-purchase homebuyer education and counseling. VHFA strongly recommends completion of pre-purchase homebuyer education and counseling early in the home buying process.
- VHFA Participating Lender processes the loan and prepares for closing: The VHFA Participating Lender will collect documents, finalize the terms of the loan and manage the loan closing.