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State Housing Financing

State Housing Financing

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:

  • Low or no down payments
  • Lower qualifying guidelines
  • Lower interest rates

Following is a state-by-state list (with some cities and territories) of the various agencies that provide local housing financing programs:

StateNameWeb Site
AlabamaAlabama Housing Finance Authorityhttp://www.ahfa.com/
AlaskaAlaska Housing Finance Corporationhttp://www.ahfc.state.ak.us/home/index.cfm
ArizonaArizona Department of Housing/Arizona Housing Finance Authorityhttp://www.housingaz.com/
ArkansasArkansas Development Finance Authorityhttp://www.state.ar.us/adfa
CaliforniaCalifornia Housing Finance Agencyhttp://www.calhfa.ca.gov/
ColoradoColorado Housing and Finance Authorityhttp://www.colohfa.org/
ConnecticutConnecticut Housing Finance Authorityhttp://www.chfa.org/
DelawareDelaware State Housing Authorityhttp://www.destatehousing.com/
District of ColumbiaDistrict of Columbia Department of Housing and Community Developmenthttp://dhcd.dc.gov/dhcd/site/default.asp
FloridaFlorida Housing Finance Corporationhttp://www.floridahousing.org/home/
GeorgiaGeorgia Department of Community Affairs/Georgia Housing and Finance Authorityhttp://www.dca.state.ga.us/
HawaiiHawaii Housing Finance and Development Corporationhttp://www.hawaii.gov/dbedt/hhfdc
IdahoIdaho Housing and Finance Associationhttp://www.ihfa.org/default.asp
IllinoisIllinois Housing Development Authorityhttp://www.ihda.org/
IndianaIndiana Housing and Community Development Authorityhttp://ihcda.in.gov/
IowaIowa Finance Authorityhttp://www.iowafinanceauthority.gov/
KansasKansas Housing Resources Corporationhttp://www.kshousingcorp.org/
KentuckyKentucky Housing Corporationhttp://www.kyhousing.org/
LouisianaLouisiana Housing Finance Agencyhttp://www.lhfa.state.la.us/
MaineMaineHousinghttp://www.mainehousing.org/
MarylandMaryland Department of Housing and Community Developmenthttp://www.dhcd.state.md.us/Website/home/index.aspx
MassachusettsMassHousinghttp://www.masshousing.com/portal/server.pt
MichiganMichigan State Housing Development Authorityhttp://www.michigan.gov/mshda
MinnesotaMinnesota Housinghttp://www.mhfa.state.mn.us/
MississippiMississippi Home Corporationhttp://www.mshomecorp.com/firstpage.htm
MissouriMissouri Housing Development Commissionhttp://www.mhdc.com/
MontanaMontana Board of Housing/Housing Divisionhttp://housing.mt.gov/
NebraskaNebraska Investment Finance Authorityhttp://www.nifa.org/
NevadaNevada Housing Divisionhttp://www.nvhousing.state.nv.us/
New HampshireNew Hampshire Housing Finance Authorityhttp://www.nhhfa.org/
New JerseyNew Jersey Housing and Mortgage Finance Agencyhttp://www.state.nj.us/dca/hmfa/
New MexicoNew Mexico Mortgage Finance Authorityhttp://www.housingnm.org/
New York CityNew York City Housing Development Corporationhttp://www.nychdc.com/
New YorkNew York State Housing Finance Agency/State of New York Mortgage Agencyhttp://www.nyhomes.org/home/index.asp
North CarolinaNorth Carolina Housing Finance Agencyhttp://www.nchfa.com/
North DakotaNorth Dakota Housing Finance Agencyhttp://www.ndhfa.org/
OhioOhio Housing Finance Agencyhttp://www.ohiohome.org/
OklahomaOklahoma Housing Finance Agencyhttp://www.ohfa.org/
OregonOregon Housing and Community Serviceshttp://www.ohcs.oregon.gov/
PennsylvaniaPennsylvania Housing Finance Agencyhttp://www.phfa.org/
Puerto RicoPuerto Rico Housing Finance Authorityhttp://www.gdb-pur.com
Rhode IslandRhode Island Housinghttp://www.rihousing.com/
South CarolinaSouth Carolina State Housing Finance and Development Authorityhttp://www.schousing.com/
South DakotaSouth Dakota Housing Development Authorityhttp://www.sdhda.org/
TennesseeTennessee Housing Development Agencyhttp://www.thda.org/
TexasTexas Department of Housing and Community Affairshttp://www.tdhca.state.tx.us/
UtahUtah Housing Corporationhttp://www.utahhousingcorp.org/indexb2b.html
VermontVermont Housing Finance Agencyhttp://www.vhfa.org/
Virgin IslandsVirgin Islands Housing Finance Authorityhttp://www.vihfa.gov/
VirginiaVirginia Housing Development Authorityhttp://www.vhda.com/vhda_com/front_page/default.asp
WashingtonWashington State Housing Finance Commissionhttp://www.wshfc.org/
West VirginiaWest Virginia Housing Development Fundhttp://www.wvhdf.com/
WisconsinWisconsin Housing and Economic Development Authorityhttp://www.wheda.com/
WyomingWyoming Community Development Authorityhttp://www.wyomingcda.com/

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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