Loans and Specialty Programs
To help your conversations with potential homebuyers, repeat homebuyers and those looking to refinance, here's a list of our loans and specialty programs designed to make affordable housing attainable in Virginia.
First Mortgage Home Loans
Find the right fit for your clients. We have a variety of loans, including FHA, USDA and more.
Virginia Housing Plus Second Mortgage
The Virginia Housing Plus Second Mortgage pairs an eligible Virginia Housing first mortgage with a Virginia Housing second mortgage that covers the down payment, and for certain credit qualified borrowers, closing costs. This is a 30-year, fixed-rate loan with no prepayment penalty.
Our Down Payment and Closing Cost Assistance grants can help your clients reduce their out-of-pocket costs when purchasing a home. These grants never have to be repaid.
Mortgage Credit Certificates
Our Mortgage Credit Certificate (MCC) provides first-time homebuyers with the opportunity to receive a credit towards their federal income tax.