No Down Payment Programs

Calling ALL First Time Homebuyers!

If your household has 2 or less members, earning less than $83,200 OR you have 3 or more in your household, earning less than $97,000?  Then VHDA may be for you!

No Down Payment?  No Problem.  If you are a First Time Homebuyer, you can get down payment assistance.  A First Time Homebuyer is defined as someone who has not ever owned a home or someone who has not owned a home in the last three (3) years OR if you have not lived in a home you own as your primary residence in the last three (3) years.  If you are a First Time Homebuyer and are looking for down payment assistance, consider taking my VHDA First Time Homebuyer’s Class.  This class will make you eligible to receive 3.5-5% in down payment assistance from the Virginia Housing Development Authority.  There are some eligibility requirements, but if you are a family of 3 or more and earn less than $97,000 you could qualify for this program.

Contact any of my Preferred Mortgage Partners to get started with your VHDA mortgage loan approval.

The following VHDA First Time Homebuyer Classes are held at the Janaf Branch Library in Norfolk, VA from 10:00am to 4:30pm (with one hour for lunch ), unless otherwise noted. Depending on your credit score, you could be eligible to qualify for at least 3.5% in down payment assistance and as much as 5%,  from VHDA after completing this class.  The classes are taught by  Marion Uzzle, Angelia Graves and various other special guest presenters.

The class is FREE but you have to register.  Click on the link below to register for my next class.    The class is taught by Angelia Graves, Marion Uzzle and various special presenters.  You can contact Angelia or click on the link to register:


July 13, 2019–REGISTER NOW

August 17, 2019–REGISTER NOW