Financial Products

VAHLF grants loans to affordable housing developers to help them with construction, securing grant funding, or managing organizational transitions. These loans are typically short-term and have a known repayment source (grant funds, proceeds from house sales, etc.).​ ​​​​​

VAHLF provides residents of the Bermuda Estates mobile home community in Chesterfield with 10-year, 4.5% interest loans.​

VAHLF offers low-interest micro-loans to homeowners who earn low incomes for critical home repairs.​

Virginia Housing’s 3% loan fund allows Habitat for Humanity affiliates to borrow up to 40% of the value of their mortgages. VAHLF offers unsecured companion loans at 7% interest (5 years), allowing affiliates to borrow an additional 50% of the value of their mortgages.

All borrowed funds are used to accelerate the construction of future homes. VAHLF is seeking additional low-interest lending capital to grow this product.

VAHLF is seeking investment into its participatory loan pool pilot project. VAHLF will package Habitat mortgages into a pool which investors may buy into. 

The mortgages are at a 3.25% interest rate. VAHLF will buy any non-performing mortgage out of the pool.