How to apply for a VHFA home loan

VHFA does not make home loans directly to homebuyers. You must apply for a VHFA loan through a participating lender. Rates and requirements for VHFA loans are identical no matter which participating lender you choose.

A participating lender will:

• Review your information to determine your eligibility for a VHFA mortgage;
• Determine the loan amount you qualify for;
• Work with you to complete an application and other required forms; and
• Process your loan application.

If you have questions during the application process, contact your lender.