Loan Guidelines
Consider this your all-in-one portal for getting started with our loans: everything from your role in making affordable housing possible for more Virginians, to eligibility requirements, applications forms and more.
Download links:
Program guides
Find details on loans and programs, from origination to servicing.
Conventional 30-Year Fixed-Rate Program |
|
| Virginia Housing Conventional | |
| Virginia Housing Conventional No MI | |
| Conventional Bond | |
Government 30-Year Fixed-Rate Program |
|
| FHA | |
| FHA Bond | |
| VA (Veterans Affairs) | |
| VA (Veterans Affairs) Bond | |
| RHS (Rural Housing Service) | |
| RHS (Rural Housing Service) Bond | |
| FHA Streamline Refinance | |
| VA Interest Rate Reduction Refinance | |
Virginia Housing Specialty Programs |
|
| Plus Second Mortgage | |
| Down Payment Assistance (DPA) Grant | |
| Closing Cost Assistance (CCA) Grant | |
| Sponsoring Partnerships & Revitalizing Communities (SPARC) | |
| Mortgage Credit Certificate (MCC) MCC Program suspended as of May 1st, 2023 |
|
Lender forms and documents
Find all the documents for our single-family mortgage program.
Resources for clients
Our free homebuyer courses prepare homebuyers to become responsible homeowners, and are required for first-time homebuyers to help prepare them for the process.
Get in touch with Virginia Housing
Toll free: 800-227-8432
Local: 804-783-6725
Email: Homeownership@VirginiaHousing.com