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Serving Southwest Virginia

Who to Contact for VHDA Mortgages and Homebuyer Information

VHDA opened our downtown Wytheville office — the Southwest Virginia Housing Center— in1988 to make our affordable home loans more easily available to first-time homebuyers like you who live in less populated areas of rural Virginia. To make our loans even more accessible, we put our first Mobile Mortgage Office on the road in Southwest Virginia in 1996 and added a second Mobile Mortgage Office in 1999 to visit folks living on the Eastern Shore and in Southside Virginia.


Michael Locking
Michael Locking, Mobile Mortgage Field Originator
Serving Alleghany, Botetourt, Buchanan, Dickenson, Lee, Rockbridge, Russell, Scott, Tazewell, Washington, Wise.


Michael can provide information on VHDA mortgages, Down Payment Assistance, Mortgage Credit Certificates (MCCs) and free classes for homebuyers. See below to find out when Michael will be in your neighborhood, driving VHDA’s mobile mortgage office van!

Walk-ins are welcome, however dates and times are subject to cancellations. Please contact Michael before you plan your visit:

Phone: 276-608-4639


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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. VHDA 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


VHDA Fraud, Waste or Abuse Hotline

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