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Individuals looking for first-time and low-income home buyer programs should look into state and local housing financing. These programs, run by government or quasi-government agencies, have loan programs for individuals who are having difficultly qualifying for a conventional or federal government guaranteed loans (such as HCFP, FHA and VA loans). Many of these programs feature:
Following is a state-by-state list (with some cities and territories) of the various agencies that provide local housing financing programs:
| State | Name | Web Site |
|---|---|---|
| Alabama | Alabama Housing Finance Authority | http://www.ahfa.com/ |
| Alaska | Alaska Housing Finance Corporation | http://www.ahfc.state.ak.us/home/index.cfm |
| Arizona | Arizona Department of Housing/Arizona Housing Finance Authority | http://www.housingaz.com/ |
| Arkansas | Arkansas Development Finance Authority | http://www.state.ar.us/adfa |
| California | California Housing Finance Agency | http://www.calhfa.ca.gov/ |
| Colorado | Colorado Housing and Finance Authority | http://www.colohfa.org/ |
| Connecticut | Connecticut Housing Finance Authority | http://www.chfa.org/MainPages/default.asp |
| Delaware | Delaware State Housing Authority | http://www.destatehousing.com/ |
| District of Columbia | District of Columbia Department of Housing and Community Development | http://dhcd.dc.gov/dhcd/site/default.asp |
| Florida | Florida Housing Finance Corporation | http://www.floridahousing.org/home/ |
| Georgia | Georgia Department of Community Affairs/Georgia Housing and Finance Authority | http://www.dca.state.ga.us/ |
| Hawaii | Hawaii Housing Finance and Development Corporation | http://www.hawaii.gov/dbedt/hhfdc |
| Idaho | Idaho Housing and Finance Association | http://www.ihfa.org/default.asp |
| Illinois | Illinois Housing Development Authority | http://www.ihda.org/ |
| Indiana | Indiana Housing and Community Development Authority | http://ihcda.in.gov/ |
| Iowa | Iowa Finance Authority | http://www.iowafinanceauthority.gov/ |
| Kansas | Kansas Housing Resources Corporation | http://www.kshousingcorp.org/ |
| Kentucky | Kentucky Housing Corporation | http://www.kyhousing.org/ |
| Louisiana | Louisiana Housing Finance Agency | http://www.lhfa.state.la.us/ |
| Maine | MaineHousing | http://www.mainehousing.org/ |
| Maryland | Maryland Department of Housing and Community Development | http://www.dhcd.state.md.us/Website/home/index.aspx |
| Massachusetts | MassHousing | http://www.masshousing.com/portal/server.pt |
| Michigan | Michigan State Housing Development Authority | http://www.michigan.gov/mshda |
| Minnesota | Minnesota Housing | http://www.mhfa.state.mn.us/ |
| Mississippi | Mississippi Home Corporation | http://www.mshomecorp.com/firstpage.htm |
| Missouri | Missouri Housing Development Commission | http://www.mhdc.com/ |
| Montana | Montana Board of Housing/Housing Division | http://housing.mt.gov/ |
| Nebraska | Nebraska Investment Finance Authority | http://www.nifa.org/ |
| Nevada | Nevada Housing Division | http://www.nvhousing.state.nv.us/ |
| New Hampshire | New Hampshire Housing Finance Authority | http://www.nhhfa.org/ |
| New Jersey | New Jersey Housing and Mortgage Finance Agency | http://www.state.nj.us/dca/hmfa/ |
| New Mexico | New Mexico Mortgage Finance Authority | http://www.housingnm.org/ |
| New York City | New York City Housing Development Corporation | http://www.nychdc.com/ |
| New York | New York State Housing Finance Agency/State of New York Mortgage Agency | http://www.nyhomes.org/home/index.asp |
| North Carolina | North Carolina Housing Finance Agency | http://www.nchfa.com/ |
| North Dakota | North Dakota Housing Finance Agency | http://www.ndhfa.org/ |
| Ohio | Ohio Housing Finance Agency | http://www.ohiohome.org/ |
| Oklahoma | Oklahoma Housing Finance Agency | http://www.ohfa.org/ |
| Oregon | Oregon Housing and Community Services | http://www.ohcs.oregon.gov/ |
| Pennsylvania | Pennsylvania Housing Finance Agency | http://www.phfa.org/ |
| Puerto Rico | Puerto Rico Housing Finance Authority | http://www.gdb-pur.com |
| Rhode Island | Rhode Island Housing | http://www.rihousing.com/ |
| South Carolina | South Carolina State Housing Finance and Development Authority | http://www.schousing.com/ |
| South Dakota | South Dakota Housing Development Authority | http://www.sdhda.org/ |
| Tennessee | Tennessee Housing Development Agency | http://state.tn.us/thda/ |
| Texas | Texas Department of Housing and Community Affairs | http://www.tdhca.state.tx.us/ |
| Utah | Utah Housing Corporation | http://www.utahhousingcorp.org/indexb2b.html |
| Vermont | Vermont Housing Finance Agency | http://www.vhfa.org/ |
| Virgin Islands | Virgin Islands Housing Finance Authority | http://www.vihfa.gov/ |
| Virginia | Virginia Housing Development Authority | http://www.vhda.com/vhda_com/front_page/default.asp |
| Washington | Washington State Housing Finance Commission | http://www.wshfc.org/ |
| West Virginia | West Virginia Housing Development Fund | http://www.wvhdf.com/ |
| Wisconsin | Wisconsin Housing and Economic Development Authority | http://www.wheda.com/ |
| Wyoming | Wyoming Community Development Authority | http://www.wyomingcda.com/Main.html |
Individuals looking for home ownership programs should look on the web site for headings such as "Programs", "Home Ownership", "For Consumers", "For Home Buyers/Home Owners", "Single Family Homes", or similar titles. There may be other titles but the idea is to find the part of the site that deals with grant, loan, and/or loan guarantee programs for home buyers.
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