Struggling to pay your mortgage?
Learn more about relief programs.

Loan Forms & 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

 Program Guidelines

     Virginia Housing Conventional No MI

 Program Guidelines

 Government 30 Year Fixed Rate Program

 Program Guidelines

     VA (Veterans Affairs)

 Program Guidelines

     RHS (Rural Housing Service)

 Program Guidelines

     FHA Streamline Refinance

 Program Guidelines

     VA Interest Rate Reduction Refinance

 Program Guidelines

 Virginia Housing Special Programs
    Plus Second Mortgage

 Program Guidelines

    Down Payment Assistance (DPA) Grant

 Program Guidelines

    Closing Cost Assistance (CCA) Grant

 Program Guidelines

    Mortgage Credit Certificate (MCC)  

 Program Guidelines

    Sponsoring Partnerships & Revitalizing Communities (SPARC) 

 Program Guidelines

Lender forms and documents

Find all the documents necessary to participate in 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.


Contact Us

Homeownership Originations

Toll Free: 800-227-8432
Local: 804-783-6725



Business Solutions

Lock Support: LockDesk@VirginiaHousing.com

Loan Originations System: HomeownershipSupport@VirginiaHousing.com


Loan Programs

Underwriting: Underwriting@VirginiaHousing.com
MCCs: MCCInfo@VirginiaHousing.com
Final Document Review: Suspense@VirginiaHousing.com
Purchase Review/QRA: PurchaseReview@VirginiaHousing.com