Interested in Becoming a Participating Lender? To be approved as a Mortgage Credit Certificate Participating Lender, the lender applicant must meet certain qualifications that include authorization to do business in Virginia and have the funding capacity to close and fund all mortgage loans for which it will originate Mortgage Credit Certificates. A list detailing specific requirements can be found here. Lenders that wish to participate must also complete an application for qualification.
Already a VHDA Participating Lender? Current VHDA lenders in good standing may participate in the Mortgage Credit Certificate Program by executing a Mortgage Credit Certificate Addendum to the Originating Lender Agreement. Click here for specifics about additional requirements.
Homebuyer Application and Fact Sheet
VHDA Loan and Mortgage Credit Certificate Programs Disclosure and Borrower Affidavit (Ex E2)
VHDA Seller Affidavit and Acknowledgment (Ex F)
Originating Lenders Submission Cover Letter (Ex O)
Originating Lender's Post Closing Cover Letter (Ex P)
Addendum To Participation Approved Lender Agreement
MCC Administrator Contact Form
MCC Systems Access Form
MCC System User Guide
MCC Program Overview
Find out how to set up an MCC with a non VHDA loan
Recapture Tax Information and Calculator
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Homeownership Program DepartmentToll free: 800-227-8432Local: 804-783-6725Homeownership Staff Directory
Customer ServiceToll Free: 877-VHDA-123 Local: 804-782-1986
Virginia RelayIn Virginia: 711Toll Free: 800-828-1140
VHDA Fraud, Waste or Abuse HotlinePhone: 804-915-3146Email: InternalAudit@vhda.comWebsite: Reporting Fraud, Waste or Abuse