About Us
The Virginia Affordable Housing Loan Fund (VAHLF) is a Community Development Financial Institution (CDFI) that offers low-interest financial products to affordable housing developers and individual applicants. VAHLF is committed to increasing affordable homeownership opportunities for low-income families across the Commonwealth.
VAHLF is a 501(c)(3) sister organization of Habitat for Humanity Virginia.
Our History
VAHLF has a long history of supporting affordable housing opportunities in Virginia. Originally founded in 2001 as the Lynchburg Neighborhood Investment Fund, the organization helped generate economic growth and opportunity in the Lynchburg area for two decades. In 2021, Habitat for Humanity Virginia stepped in to steward the organization, eventually stepping back after establishing a firm statewide footing for the fund. The organization was renamed the Virginia Affordable Housing Loan Fund, and in 2025 was certified as a Community Development Financial Institution. VAHLF is actively working to expand its capacity to continue offering excellent service to Virginians for years to come.
Financing Affordable Housing
Many people who would make successful first-time homeowners may be overlooked if they fail to fit into conventional lenders’ narrow funding guidelines. VAHLF offers financial products to communities who struggle to receive financing from conventional lenders, expanding opportunities for homeownership in the Commonwealth.
What is a CDFI?
A Community Development Financial Institution (CDFI) is a private institution that provides low-income communities access to financial services. Banks, credit unions, venture capital firms, and loan funds may be eligible for CDFI status if they have a core mission of community development.