Program Details

The VHDA Conventional Loan Programs is offered through Virginia Housing (formerly VHDA) or partner localities, delivering tools like low‑interest mortgages, grants, or interest‑rate reductions to promote affordable housing and community revitalization.

Eligibility Requirements

  • Virginia residency

  • Income, credit score, and purchase‑price limits apply

  • Homebuyer education required for most products

Program Benefits

  • Down‑payment or closing‑cost aid

  • Below‑market mortgage rates

  • Mortgage Credit Certificate up to $2,000 annual tax credit

  • Special options for veterans, teachers, and community heroes

How to Apply

  1. Visit Virginia Housing or locality website

  2. Confirm eligibility and gather documents

  3. Apply with an approved lender

  4. Complete education requirements

  5. Receive program approval and proceed to closing

*Details are in the Mortgage Calculator*

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Home Price$350,000
Down Payment$70,000 (20%)
Interest Rate6.5%
Monthly Payment$2,212
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Licensed Mortgage Loan Officers

These mortgage professionals are licensed to operate in VIRGINIA and can help you navigate the application process for this program. They can answer your questions about eligibility, required documentation, and help you find the best financing options.

Licensed Mortgage Loan Officers in virginia

Connect with experienced mortgage professionals who can guide you through the home buying process and help you find the right loan program.

No Mortgage Loan Officers Available

We couldn't find any mortgage loan officers available for virginia at this time. Please check back later or contact our support team for assistance.

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Why work with a licensed mortgage loan officer?

Licensed mortgage loan officers have extensive knowledge of available programs, especially those for first-time homebuyers. They can help you navigate complex eligibility requirements and find the best financing options for your specific situation.

Disclaimer

Program availability, terms, and requirements may vary by lender and location. Additionally, programs are subject to change based on policy updates and market conditions. Always consult with a mortgage professional for the most current information and to determine eligibility for specific programs. The information provided on this website is for general informational purposes only and does not constitute financial, legal, or professional advice.