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:

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/
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://www.thda.org/
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/

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.