Byers & Harvey, Inc.
Bruce A. Griffy, Broker/Realtor

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Tennessee Housing Development Agency

THDA provides fixed rate mortgage loans for First-Time Homebuyers, promotes the production of new affordable housing units for very low to moderate income, promotes the preservation and rehabilitation for existing homes and brings greater stability to the residential construction industry.

It was established by the Tennessee General Assembly in 1973. It serves Tennesseans in many ways.

~Provides Grants to Preserve and Create Homes

~Offers Rental Assistance on Several Different Levels

~Assists in the Creation and Maintenance of Rental Housing

~Provides Educational Opportunities

THDA Website

THDA Programs 

Great Choice Home Loans

30 Year Fixed Home Loans Available Through Local Lenders. Minimum Credit Score is 640. Some counties are targeted for growth and the First-Time Homebuyer requirement is waived. Stewart County is included in this group. Montgomery County has a few census tracts that waive the First-Time Homebuyer requirement.

Great Choice Plus Home Loan

If you qualify for a Great Choice Home Loan, you can apply for financial assistance with your down payment and/or closing costs.

Financial assistance comes in the form of a second mortgage loan on your home. There is no interest on this second loan, and you don't have to make any monthly payments on it either. You only have to pay it back when you sell, move out of, or refinance your home. And in certain circumstances, this second loan can be forgiven, meaning you don’t have to pay it back at all. You can qualify for up to $15,000 in Down Payment Assistance. There are Targeted Zip Code Areas for the higher Down Payment Assistance amounts. 37040 and 37042 are included.

Check Here for Maximum Home Cost and Maximum Income Limits

See All of the Different Down Payment Assistance Programs Here.

Down Payment Assistance

See Programs Available for Active Duty Military & Veterans Here

Homeownership for the Brave

Help Very Low Income, Elderly and Disabled Tennesseans.

Check Out Mortgage With Heart 

Great Courses for First-Time Homebuyers and Anyone Needing to Brush Up on Buying a Home

THDA Homebuyer Education Courses

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