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Our Programs - VHDA

http://www.vhda.com/Programs/Pages/Programs.aspx

VHDA offers affordable housing opportunities for Virginians who otherwise might not be able to afford quality housing. We also provide developers of low- to moderate-income housing with access to financial resources and tax incentives. To learn more about our programs, follow the links below or choose a program from the Quick Launch links on the right. Want to buy a home the right way, and avoid costly mistakes? Take VHDA's free class - online or in person! RHS (Rural Housing Services). An easy way to sa...

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Steps to Homeownership - VHDA

http://www.vhda.com/Homebuyers/HombuyerToolsResources/Pages/StepstoHomeownership.aspx

Before you look at houses to buy, your first steps should be:. Attending VHDA's free Homeownership class. Finding out what you need to know about your personal finances. Learning how to create a personal spending plan that works for you and your goals. Role of the Lender. This is the second step in your goal to buy a home and includes:. Choosing a lender to help you in applying for a mortgage loan. Understanding why pre-approval of your loan is a critical part of the process. Getting a Home Inspection.

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Free Homebuyer Class - VHDA

http://www.vhda.com/Homebuyers/HomeownershipEdu

Reach for Your Dreams in. VHDA’s Free Homebuyer Class! Are you thinking about buying a home, but not sure where to start, especially in challenging economic times? VHDA's free First-time Homebuyer Class can help. In one day of training, you'll learn the entire homebuying process from start to finish, and how to stay on track as a responsible homeowner. The class is offered in English or Spanish, in person or online. And it's free, with no obligation. Preview the Online Course. Why Take the Class? Getting...

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Home Loans - VHDA

http://www.vhda.com/Homebuyers/VHDAHomeLoans/Pages/VHDAHomeLoans.aspx

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. Low, fixed interest rate.

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Homebuyers - VHDA

http://www.vhda.com/Homebuyers/Pages/homebuyers.aspx

Virginia Housing Development Authority. VHDA is a not-for-profit organization, created by the Commonwealth of Virginia. Our mission is to help Virginians attain quality, affordable housing. Learn more. Tools for Getting Started. Ready to do a quick analysis based on your information and our loans? Here’s the equipment you need. Thinking about buying a home? Not sure where to start? Our free First-time Homebuyer class can help. Looking for a VHDA-approved lender in your area? Find A Real Estate Agent.

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Renter Education - VHDA

http://www.vhda.com/Renters/Pages/Renter-Education.aspx

What are your rights and responsibilities as a renter? How do you find a place to rent? Whose problem is it if the sink drips? Can you get your security deposit back? Get answers to these and many more questions in VHDA’s free eBook. How to be a Successful Renter. Are You Financially Ready to Rent? The Ins and Outs of Credit. How to Find the Right Place. Handling the Application Process. Understanding the Lease Agreement. Getting Back Your Security Deposit. Life as a Renter: Rights and Responsibilities.

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Borrower's Assistance Package - VHDA

http://www.vhda.com/Homeowners/BorrowerFinPackage/Pages/BorrowersFinPackage.aspx

It’s important to get in touch with VHDA as soon as possible when you start having trouble making house payments. In many cases, contacting us early in the process will make it easier for us to work with you and help you get back on track, depending on your situation and how far behind you are. If you’re having financial difficulties and want to be considered for a VHDA Loss Mitigation program, you must submit your financial information by following these instructions:. 4 Sign the forms where indicated.

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Homeowners with a VHDA Mortgage Loan - VHDA

http://www.vhda.com/Homeowners/Pages/homeowners.aspx

Homeowners with a VHDA Mortgage Loan. Virginia Housing Development Authority. VHDA is a not-for-profit organization, created by the Commonwealth of Virginia. Our mission is to help Virginians attain quality, affordable housing. Learn more. Access My Loan Information. Want to review your loan? You’ve come to the right place. Have your checkbook handy? Sign on here and get started. Sign Up for the Automatic Payment Plan. Ready for a shorter to-do list? Here’s a worry-free way to make it happen. Mortgage Cr...

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Renters - VHDA

http://www.vhda.com/Renters/Pages/renters.aspx

Virginia Housing Development Authority. VHDA is a not-for-profit organization, created by the Commonwealth of Virginia. Our mission is to help Virginians attain quality, affordable housing. Learn more. Looking for a place rent? Quickly find housing by rent amount, location and other personal preferences. Information on the HCV Program. Interested in the Housing Choice Voucher Program? The program provides rental assistance to program eligible applicants. Here’s the information you need. Upcoming Classes ...

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Avoiding Foreclosure in Virginia - VHDA

http://www.vhda.com/Homeowners/Pages/AvoidingForeclosure.aspx

Avoiding Foreclosure in Virginia. Avoiding Foreclosure in Virginia. It’s no secret that our current economy has put thousands of Virginians at risk of losing their homes. Foreclosure should be avoided if at all possible, because it can cause issues with your credit report for many years, leading to major problems when you apply for credit cards, car loans or another mortgage someday in the future. Avoid Foreclosure When You Buy a Home. Behind in Your Mortgage Payments? VA), effective February 7, 2011, ma...