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Struggling to pay your mortgage? Learn more about relief programs.

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.

Our Offerings

  • 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.

  • Grants

    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.



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