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How do I start?

  1. Contact a VHFA Participating Lender:  Only a VHFA Participating Lender can pre-qualify you and start the application process with you.  Contact the Participating Lender of your choice from this complete list.

     

  2. Select VHFA program:  The VHFA Participating Lender will review program options to help determine the best fit.

     

  3. 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.

     

  4. 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.