VHDA Mortgages

Purchase your first home with confidence
It’s your Advantage

1st Advantage is a Participating Lender in the VHDA Program

1st Advantage has partnered with the Virginia Housing & Development Authority (VHDA) to offer our members an array of loan options for first-time home buyers.

We Make It Easy For First-Time Homebuyers

We understand that buying a home is stressful and it can be hard to come up with the money you need for a downpayment. That is why our VHDA First-Time Homebuyers Loan typically requires little to no downpayment option and more.

House class=”wrapper”>

Great for First-Time Homebuyers

Check class=”wrapper”>

Low & No Downpayment Options

Document class=”wrapper”>

Flexible Income & Credit Guidelines

Estimate your monthly mortgage payment

Enter a total loan amount and planned down payment into this calculator to estimate your monthly mortgage payment.

Calculated payments shown are for estimation purposes only. Actual loan payment amount will be disclosed at loan closing and may differ slightly.

Our Award-Winning Mortgage Team

Our friendly mortgage professionals are here to help. Contact us to get started today.

Alicia Bowen Headshot

Alicia Bowen

Mortgage Sales Manager

NMLS #305735




Tamela Photo

Tamala Olszewski

Mortgage Loan Officer

NMLS #1581742



Photo of Shayla Croom

Shayla Croom

Mortgage Loan Officer

NMLS #2122939



Susan Ward Headshot

Susan Ward

Mortgage Sales Coordinator

NMLS #1816060



Ready To Buy Your New Home?

We’ll help you achieve your home buying dreams from start to finish.

Get Started Online
Apply Now
Call Us
Stop by one of our branches
Find your nearest branch