 |
|
|
|
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.
Get multiple quotes. Choose the best rate. No obligation.
Common Mortgage Types
• Adjustable Rate Mortgage
• Fixed Rate Mortgage
• Understanding Arm Indexes
Government Mortgages
• FHA Loans
• HCFP Loans
• VA Loans
• State Housing Financing
Home Equity Loans
• Home Equity Line Of Credit
• Obtaining Equity From Your Home
• Reverse Annuity Mortgage
• Second Mortgages
More Resources
• Mortgage And Lender FAQ
• Mortgage Information Search
Mortgage Process
• Avoiding A Jumbo Mortgage
• Avoiding Private Mortgage Insurance
• Dealing With Credit Issues
• Glossary Of Mortgage Terms
• Mortgage Application Process
• Mortgage Laws And Regulations To Protect The Consumer
• Shopping For A Mortgage
• Understanding Credit
New Home Mortgage
• How Much House You Can Afford
• How Much Should You Put Down On A Home
• Mortgage Pre Qualification And Pre Approval
• Mortgages For Purchasing A Home
Refinancing A Home
• Refinancing Your Home
Related Products And Services
• Mortgage Life Insurance
• Private Mortgage Insurance
• Title Insurance
Specialty Mortgages
• Alt A Mortgages
• Balloon Mortgage
• Bridge Loan
• Construction Loan
• Eighty Twenty Mortgages
• Graduated Payment Mortgage
• Growing Equity Mortgage
• Interest Only Mortgage
• Low Doc No Doc Mortgages
• Subprime Loan
AL
AK
AZ
AR
CA
CO
CT
DE
DC
FL
GA
HI
ID
IL
IN
IA
KS
KY
LA
ME
MD
MA
MI
MN
MS
MO
MT
NE
NV
NH
NJ
NM
NY
NC
ND
OH
OK
OR
PA
RI
SC
SD
TN
TX
UT
VT
VI
VA
WA
WV
WI
WY
Assurity Financial Services LLC
Financial Freedom Senior Funding Corp
First Horizon Home Loan Corporation
Pinnacle Financial Corporation
Copyright © 2004-2008. All Rights Reserved. Moving Traffic, Inc., operator of CityTownInfo.com, is not a broker or a lender, and all offers for loans or mortgages found on this site are made solely by the advertiser.
