9 Best VHDA Mortgage Lenders of 2021
The Virginia Housing Development Authority provides mortgage and assistance programs to would-be home buyers. See our top picks for VHDA lenders.
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Loan and assistance programs offered through the Virginia Housing Development Authority, or VHDA, are designed to make homeownership more accessible to borrowers across the state.
The VHDA relies on a network of participating lenders and loan officers to provide these financial assistance programs, but with dozens of options, it can be difficult to know where to start.
NerdWallet gathered some of the most active VHDA lenders and matched them to a variety of borrower needs. Start your search by comparing the mortgage providers below.
Loan and assistance programs offered through the Virginia Housing Development Authority, or VHDA, are designed to make homeownership more accessible to borrowers across the state.
The VHDA relies on a network of participating lenders and loan officers to provide these financial assistance programs, but with dozens of options, it can be difficult to know where to start.
NerdWallet gathered some of the most active VHDA lenders and matched them to a variety of borrower needs. Start your search by comparing the mortgage providers below.
Best VHDA Mortgage Lenders
Lender | NerdWallet rating | Min. credit score | Min. down payment | Learn more |
---|---|---|---|---|
![]() Guaranteed Rate: NMLS#2611 Learn more at Guaranteed Rate | Best for an online experience | 620 | 3% | Learn more at Guaranteed Rate |
![]() Caliber: NMLS#15622 | Best for an online experience | 620 | 3% | Read review |
![]() Fairway Independent Mortgage: NMLS#2289 Learn more at Fairway Independent Mortgage | Best for veterans & a nonbank experience | 620 | 3% | Learn more at Fairway Independent Mortgage |
New American Funding: NMLS#6606 Learn more at New American Funding | Best for first-time home buyers | 620 | 3% | Learn more at New American Funding |
![]() Stearns Lending: NMLS#1854 | Best for government-backed loans | 620 | 3% | Read review |
![]() PrimeLending: NMLS#13649 | Best for USDA loans | 620 | 3% | Read review |
![]() BB&T (Truist): NMLS#399803 | Best for in-person service | 620 | 3% | Read review |
![]() SunTrust (Truist): NMLS#2915 | Best for in-person service | 620 | 3% | Read review |
![]() loanDepot: NMLS#174457 | Best for a nonbank experience | 620 | 5% | Read review |

at Guaranteed Rate
Guaranteed Rate: NMLS#2611

Min. credit score
620Min. down payment
3%at Guaranteed Rate
Caliber: NMLS#15622

Min. credit score
620Min. down payment
3%
at Fairway Independent Mortgage
Fairway Independent Mortgage: NMLS#2289

Min. credit score
620Min. down payment
3%at Fairway Independent Mortgage
at New American Funding
New American Funding: NMLS#6606
Min. credit score
620Min. down payment
3%at New American Funding
Stearns Lending: NMLS#1854

Min. credit score
620Min. down payment
3%PrimeLending: NMLS#13649

Min. credit score
620Min. down payment
3%BB&T (Truist): NMLS#399803

Min. credit score
620Min. down payment
3%SunTrust (Truist): NMLS#2915

Min. credit score
620Min. down payment
3%loanDepot: NMLS#174457

Min. credit score
620Min. down payment
5%Last updated on January 21, 2021
Methodology
To recap our selections...
NerdWallet's Best VHDA Mortgage Lenders of 2021
- Guaranteed Rate: Best for an online experience
- Caliber: Best for an online experience
- Fairway Independent Mortgage: Best for veterans & a nonbank experience
- New American Funding: Best for first-time home buyers
- Stearns Lending: Best for government-backed loans
- PrimeLending: Best for USDA loans
- BB&T (Truist): Best for in-person service
- SunTrust (Truist): Best for in-person service
- loanDepot: Best for a nonbank experience