Find A Loan Expert
Get Started
  • Products
    • Home Loans
    • Construction & Renovation Loans
    • Refinance
    • Specialty Financing
  • Resources
    • COVID-19 Resource Guide
    • Mortgage Calculators
    • Freddie Mac and Fannie Mae Loan Lookup Tools
    • Frequently Asked Questions
    • Links and Downloads
    • Glossary
  • Blog
  • About
    • Our People
    • Leadership Team
    • Careers
    • Giving Back
  • Contact
Find A Loan Expert
Get Started
  • English
  • Spanish

Main Menu

Making Homeownership More Affordable for Virginians

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

Learn More


Mortgage FAQ

Get straightforward answers to the most commonly asked mortgage questions.

Learn More

Mortgage Calculators

Try our calculators to start planning your successful mortgage process.

Learn More

Ready to Get Started?

First Heritage Mortgage is proud to be a VHDA approved lender. Contact one 
of our experienced loan officers to find out if a VHDA Loan is right for you.

Talk to an Expert
Get In Touch

3201 Jermantown Road, Suite 800

Fairfax, VA 22030

Phone: 703.352.0721

Toll-Free: 866.833.LOAN

Navigation
  • Products
  • Resources
  • Blog
  • About
  • Contact Us
Product Offerings
  • Construction & Renovation Loans
  • Home Loans
  • Refinance
  • Specialty Financing

First Heritage Mortgage, LLC, Company NMLS ID #86548 (www.nmlsconsumeraccess.org)

  • Privacy Policy
  • Licenses
  • Texas Complaint Notice
  • Opt Out
  • Sitemap