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Steps to Homeownership

Homeownership Education

Before you look at houses to buy, your first steps should be:

  • Attending VHDA's free Homeownership class.
  • Finding out what you need to know about your personal finances.
  • Learning how to create a personal spending plan that works for you and your goals.

Role of the Lender

This is the second step in your goal to buy a home and includes:

  • Choosing a lender to help you in applying for a mortgage loan.
  • Understanding why pre-approval of your loan is a critical part of the process.

PDF Icon Mortgage Loan Application

Working With Your Real Estate Agent

Your next step, choosing a real estate professional to help your home search, includes:

  • Learning how to pick the right agent to work with you.
  • Working with your agent to find the house that best fits your needs and price range.

PDF Icon House Evaluation Worksheet

Getting a Home Inspection

It's difficult to stay objective and unemotional about the house you really want, and this can affect your judgement. A professional home inspection provides the most accurate information about the condition of a house, so you'll know if you still want to buy it.

Closing Your Mortgage Loan

Your last step, the official signing of the papers that finalizes the deal, is:

  • Understanding your options in choosing a professional to close your loan.
  • Knowing what legal documents are involved in the closing.

PDF Icon Deed of Trust
PDF Icon Note
PDF Icon Settlement Statement

More Information


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Contact Us

Homebuyer Department

Toll Free: 800-227-8432
Local: 804-783-6725
Note: In order to protect your privacy, please do not send confidential personal information or sensitive materials through this form. Virginia Housing is not responsible for the security and/or confidentiality of personal information submitted via this form.

Customer Service

Toll Free: 877-VHDA-123
Local: 804-782-1986


Virginia Relay

In Virginia: 711
Toll Free: 800-828-1140


Virginia Housing Fraud, Waste or Abuse Hotline

Phone: 804-915-3146
Website: Reporting Fraud, Waste or Abuse