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How do I start?

You have already started!  Visiting the VHFA web site is the first step on your path to homeownership.  Below is an overview of the process to help you continue moving towards your goal of owning your own.

Contact a VHFA Participating Lender:  Only a VHFA Participating Lender can pre-qualify you and accept your application for a VHFA mortgage loan.  Contact the Participating Lender of your choice from this complete list.  

Get pre-qualified:  Meet with your Participating Lender to discuss mortgage options and your eligibility.  Your Participating Lender will provide the information you need about the mortgage process and pre-qualify you for a loan.  Only a VHFA Participating Lender can pre-qualify you for a VHFA mortgage loan.

Increase your knowledge:  All VHFA mortgage products require first-time borrowers to complete pre-purchase homebuyer education.  VHFA urges you to complete pre-purchase homebuyer education early in the home buying process.  Your Participating Lender can also provide you with approved homebuyer education sources. 

Start shopping:  Now that you have been pre-qualified, you are ready to find your new home. 

Apply for your mortgage:  Once you find the property right for you, contact your Participating Lender to apply for your mortgage loan.  Your Participating Lender will guide you through the process and be your contact.  

Close on your new home!