Contact a VHDA Approved Lender:

Applications may be made through VHDA's statewide network of approved mortgage lenders. These lenders serve as Originating Agents for VHDA to provide you personal service. You may complete an application directly with any of these approved lenders. The lenders will provide you information on the various VHDA programs and will pre-qualify you so that you will know the approximate price range of homes to shop for. The lender will complete all necessary paperwork for loan approval and assist in the coordination of loan closing with your realtor and closing agent.

If you cannot locate a VHDA-lender in your area using our Lender Search feature or wish to contact VHDA directly, you may do so by calling 1-877-VHDA-123.

Preparation for Loan Application:

Being prepared for the loan application with the following information will reduce the time from loan application to approval.

• Copy of current pay stub(s) - 30 days
• Copies of all bank account statements - Current 2 months
• Copies of previous three years' Federal Income Tax Returns
• List of monthly debt obligations and account numbers (credit cards, student loans, car loans and installment accounts)
• Check for credit report, appraisal and VHDA reservation fee (approximately $500.00)
• Copies of divorce decree/separation agreement (if applicable)