The Virginia Housing Loan Combo is a unique home loan program that combines affordable financing and first-time homebuyer education.
Why would I want this loan?
- It’s an affordable, government-insured option for renters looking to buy their first home and become educated on the home buying process
Who is this loan for?
- Best suited for first-time homebuyers with good credit looking to buy a modest home for themselves
Loan Features
- Down payment assistance and forgivable grants available to eligible buyers
- Gifted funds options available to cover buyer costs
- Consideration for higher-than-average debt-to-income ratios
- Accompanied by homebuyer education for the borrower
- Subject to HUD income eligibility requirements
How can I apply for this loan?
Contact any member of our Mortgage Team for more details!
- Call 540-339-3868
- Email mortgages@freedomfirst.com
- Directly reach out to any one of our Mortgage Loan Officers
- Fill out our mortgage contact form
Frequently Asked Questions
Looking for some additional assistance about home loans? See if our FAQs can help!
Mortgage Resources
Looking for some additional information about buying a home? Browse our resource library!
This program is offered through Virginia Housing (formerly VHDA). Ask for details about eligibility, documentation, and other requirements. Certain conditions and/or restrictions apply. For more details, please contact one of our Mortgage Loan Originators directly. All information provided on this web page is for educational purposes only and is subject to change at any time without notice. For the most up-to-date and accurate terms, conditions, and rates on any given product, please contact Freedom First directly.
We're Here to help.
Our local mortgage experts are just a call or click away if you have any questions about buying or refinancing a home!
Note: The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. Visit https://www.consumerfinance.gov/hmda.