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Home Loans

Homeownership Made Affordable

Looking for the VHDA loan that’s right for you? We offer a variety of home mortgage loans aimed at meeting the many needs of today’s homebuyers. Some of our loans don’t require a down payment. VHDA loans also provide high loan-to-value options, flexible underwriting and down payment and closing cost assistance, plus our interest rates are fixed for 30 years. All loans have maximum income and sales price limits and/or loan limits, which vary according to where the home is located.

Program	Benefits	Features
30 Year - Fixed Rate Programs (Check Eligibility)
Conventional Fixed	The lowest fixed payment for eligible applicants. Conventional private mortgage insurance allows up to 97% of sales price.	Low 30-year fixed interest rate. Low fixed monthly payments.
FHA	FHA-insured.  The most liberal credit qualifying. Low down payments.	Low 30-year fixed interest rate. Low down payment. Easy qualifying.
VA (Veterans Administration)	VA-guaranteed. Low, fixed interest rate. No down payment for eligible veterans.	Low 30-year fixed interest rate. $0 down payment. Low fixed monthly payments.
RHS (Rural Housing Service)	Government-insured. No down payment in approved rural areas.	Low 30-year fixed interest rate. $0 down  Low fixed monthly payments
FHA Plus Check Eligibility	FHA-fixed first mortgage. No down payment cash is needed, because in addition to VHDA’s FHA-insured first mortgage, you’ll also receive a second mortgage to help fund your down payment and closing costs. Maximum loan amount: First mortgage – maximum FHA mortgage Second mortgage – 3.5% to 5% of sales price No cash back	Low 30-year fixed interest rate on both the first and second mortgages. $0 down payment.