New Homeowner Resources

View our guides, interactive resources, and videos to learn about being a new homeowner and the support Virginia Housing offers.

New Borrower Information

• Welcome to Virginia Housing
• Welcome to Virginia Housing (Español)
  
  
• Managing Your Mortgage
  
  
• Homeowner Points of Contact
  
• Homeowner Points of Contact (Español)
  
  
• Loan Lifecycle Interactive Guide
  
  
• What is the Federal Recapture Tax?
  
  
• New Borrower Customer Service Guide
• New Borrower Customer Service Guide (Español)
  
  
• Homeowner FAQs
• Homeowner FAQs (Español)

Making Payments

• Understanding Virginia Housing Payment Options
• Understanding Virginia Housing Payment Options (Español)
  
  
• Mortgage Loan Portal Registration
  
• ACH Authorization Form
• ACH Authorization Form (Español)

Mortgage Credit Certificates (MCC)

Loans locked after 4/28/2023 are not eligible for an MCC. A homeowner that received an MCC on or before 4/28/2023 has not lost their MCC and may continue to use this credit for the life of the mortgage, as long as the homeowner lives in the home.

 

• What is a Mortgage Credit Certificate (MCC)?
• What is the Federal Recapture Tax?
• How to Claim Your MCC Tax Credit
• MCC Overview for Tax Preparers Interactive FAQ
• MCC Overview for Tax Preparers FAQ
• Vista general del MCC para los preparadores de impuestos