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THDA Financing

THDA mortgages are typically intended for low to moderate-income buyers. With these loans, a borrower’s household income cannot exceed certain limits, which are based on the size of the household and the county in which the property is located.

THDA mortgages are intended for modestly sized homes… The cost of acquisition for an existing or new property cannot exceed certain limits determined by the county that the property is in.

All mortgages must be insured or guaranteed by VA, FHA, RD, or some other type of qualified private mortgage insurance company for conventional loans with a loan-to-value ratio higher than 78%.

Typically, THDA mortgages are made available to first-time homebuyers. This pertains to anyone who has not occupied a home that they owned as their primary residence over the past 3 years. Every individual obligated on the loan must fit the category of a first-time homebuyer. The first-time homebuyer requirement is waived when the property being purchased is located in a county designated as a “Targeted” area.



THDA mortgages are made available only to those who will use the property as their primary residence. A property can be up to 4 units, providing the borrower occupies one of the units as his/her principal residence. Rental income from any additional units will count as income towards the borrower’s household income limit. A THDA mortgage cannot be used for purchasing an investment property, for a property for a business, or for a second home.

Common mortgage conditions:


Most pre-approvals are provided the same day with a 24 hour guaranteed decision. Contact Blake, Wayne, or Chris to get started on the path to your new home!

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