Home ownership is closer than you think! We offer several options for individuals who are ready to take the step into home ownership. Whether you need help purchasing a new home or protecting the one you currently own, we have the resources and education you need.

New Home Owners in 2016

Interested In Becoming A Home Owner?

The dream of home ownership can become a reality with help from The Housing Fund. Contact us to learn more about our loan programs and current rates. One of our team members will help you understand the process of loan application and can guide you the entire way.

In 2016 The Housing Fund’s programs created 88 new home owners.  Will you be next?

Request Home Buyer Info

Successful Homeownership is still possible! The Housing Fund provides up to a $35,000 loan for downpayment, prepaids, and closing costs to individuals and families. If you meet the criteria, The Housing Fund can help you reach your goal of successful homeownership.

Keeping your home safe, efficient, and comfortable.
The Housing Fund’s Home Improvement Program (HIP) provides loans of up to $35,000 to help homeowners repair and improve their homes to protect the value of the home and enhance its’ safety, usefulness and health.

The Housing Fund, in partnership with Southeast Energy Efficiency Alliance (SEEA), provides loans to home owners with a TVA Energy Audit for upgrades and repairs that reduce utility costs by at least 15%.

The Housing Fund is pleased to announce that we are now allowing On-line Homebuyer Education through eHome America when combined with a 1 hour One-on-One counseling session for all clients wishing to use our Downpayment Assistance Loan. For On-Line Education:  http://www.ehomeamerica.org/thehousingfund

The Our House Shared Equity Program provides a loan investment of up to 25% of the sales price to income-eligible buyers. The loan investment stays with the home, upon resale. As a trade-off for increased affordability, if a home buyer chooses to sell, a percentage of the home’s appreciated value is retained by THF to keep the home affordable for the next owner.

We can help you protect your home. If you are in default on your mortgage loan or at risk of defaulting, contact us schedule an appointment to discuss possible workout options for your specific situation.

Frequently Asked Questions?

You may still have questions, that’s ok. We’re here to help you navigate your way through the complicated path to home ownership. Here are some answers to the most frequently asked questions.