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



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Great for first-time homebuyers  
   Low and no down
payment options
  Flexible income & credit guidelines




  • The VHDA programs offer 30-year mortgages.
  • Loans are available to first-time homebuyers and people who have not owned a home in the last three years.
  • Limitations on income and loan amount may apply.
  • Down payment assistance, grants and $0 down payment options are available.
  • First-time homebuyers class (online or in-person) is required.



Our friendly mortgage professionals are here to help. Apply now!

alicia bowen
Alicia Bowen
Mortgage Specialist
NMLS #305735