Provides access to low-cost, flexible home ownership mortgage programs for individuals in need of affordable, low-interest mortgage financing. Program also offers a down payment assistance program for eligible first-time home buyers. VHFA does NOT offer refinance loans or assistance with foreclosure. VHFA does not make loans directly to consumers or work directly with homebuyers, but offers low-interest mortgage programs for eligible borrowers through participating lenders located throughout the state. List of lenders are available online and application information.