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Virginia Housing

Making homeownership more affordable for Virginians.

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About Virginia Housing mortgage Loans

Virginia Housing is the Commonwealth’s mortgage finance agency. Created in 1972, their mission is to help Virginians attain quality, affordable housing.

Virginia Housing loans are tailored to first-time homebuyers and current homeowners who are thinking about buying in Areas of Economic Opportunity. All Virginia Housing loans have income and maximum sales price limits. Those limits are based on the geographic area in which the home is located.

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African American wife hugging her husband in front of the house they just move in while holding key for housing, relocation and new family

Benefits of Financing with Virginia Housing

  • Great for first‑time home buyers
  • Choose from a variety of Conventional, FHA, VA, and Specialty loan programs
  • All Virginia Housing 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
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Services

Looking for other loan options? We’ve got you covered

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Purchase

From conventional to FHA and VA loans, find the right fit for your budget and goals.

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Refinance

Lower your rate, reduce your payment, or tap into equity. Let’s find what makes sense for you.

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Construction, Bridge, Renovation

Build, remodel, or renovate the home of your dreams.

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Specialty Financing

From non-QM loans to investor financing, find solutions for situations that don’t fit the standard mold.

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Ready? Let’s get started

Get in touch with our team of lending experts to discuss your eligibility and learn how the Virginia Housing program could work for you.

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THIS PRODUCT OR SERVICE HAS NOT BEEN APPROVED OR ENDORSED BY ANY GOVERNMENTAL AGENCY, AND THIS OFFER IS NOT BEING MADE BY AN AGENCY OF THE GOVERNMENT.