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About VHDA Mortgage Loans
The Virginia Housing Development Authority (VHDA) is Virginia’s mortgage finance agency. Created in 1972, their mission is to help low- and moderate-income Virginians attain quality, affordable housing.
VHDA Loans are tailored to first-time homebuyers and current homeowners who are thinking about buying in Areas of Economic Opportunity. All VHDA loans have income and maximum sales price limits. Those limits are based on the geographic area in which the home is located.
Benefits of VHDA Loan Financing
- Great for first-time home buyers
- Choose from a variety of Conventional, FHA, VA, and Specialty loan programs
- All VHDA loans are 30-year fixed rate loans with predictable monthly payments
- Some options provide 100% financing, with no down payment required
- Mortgage Credit Certificate options help reduce federal taxes
- Flexible credit qualifying criteria
- Free homebuyer education
Ready? Let’s get started.
Get in touch with our team of mortgage loan experts to learn more about the loan option that’s best for you.
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Begin your journey towards home ownership today.