How can I verify if a lender is approved by my state's HFA program?

Answer: You can check the official website of your state's Housing Finance Agency (HFA) or visit their authorized online platform to find a list of approved lenders. Alternatively, you may contact the HFA directly for verification purposes.

What should I look for when choosing between multiple approved lenders in my state?

Answer: Consider factors such as interest rates, fees, customer service, reputation, and the lender's experience with your specific program. It is also beneficial to ask about turn times, education steps, closing support, and whether they offer Down Payment Assistance (DPA) or overlays that may help you qualify for the loan.

How can I find out if I am eligible for my state's HFA program?

Answer: Eligibility criteria vary by state and program, but generally include factors such as income limits, residence requirements, and credit score minimums. It is essential to review the specific guidelines for your state's HFA program to determine your eligibility.

Are the participating lenders and program terms subject to change?

Answer: Yes, participation, eligibility criteria, and program terms may vary by state and can change over time. Before applying for a loan through an approved lender, always verify that you meet the current requirements and that the lender is still participating in your state's HFA program to avoid any potential issues or misinformation.

homebuying

State-Specific Guide to Participating Lenders in Housing

Justin Reynolds

June 10, 2026Updated Sep 12, 2026 2 min read

housing agencies lenders participating lenders state programs search tool

Key Takeaways

Discover approved lenders in your state
Learn how to choose between them
Ask the right questions during selection

Skip ahead — run the numbers now

Affordability Simulator Down Payment Planner

Welcome to the [State] housing agency approved lenders page. Here you'll find a list of participating lenders in your area, guidance on how to choose between them, and important eligibility notes for each program.

[Agency Name]

Borrower Profile: [borrower profile]

Program Types: [program types]

Last Reviewed: [last reviewed date]

Ask about DPA experience
Inquire about overlays and turn times
Check education steps and closing support

Borrower Reassurance:

Expect responsive customer service
Look for lenders with local knowledge
Seek first-time buyer support when needed

Program Eligibility Notes:

Try it right here — no signup needed

Your situation

State

Programs and caps vary by state and county.

Annual household income

Target home price

Loan type

Credit score band

Occupation

I am a first-time homebuyer (no primary residence in the last 3 years)

Estimated assistance range

$28,000 – $38,500

About 8% to 11% of a $350,000 home in California

Most likely type

Forgivable second loan

A 0% second lien that disappears if you stay long enough.

Likely qualifies

Your profile lines up well with common DPA programs. Confirm with a lender or counselor.

This is an estimate, not a guarantee. Program rules, income limits, and funding change by location and over time.

See what stacks for you

Where to Verify Approved Lenders

To ensure a lender is approved, visit your state's housing agency website or contact them directly. You can also check with the Housing Finance Agency (HFA) for a list of participating lenders.

Browse the state-by-state approved lenders directory

How to Choose Between Approved Lenders

When choosing between approved lenders, consider factors such as responsiveness, local knowledge, and first-time buyer support. Also, ask about their Down Payment Assistance (DPA) experience, overlays, turn times, education steps, and closing support.

Legal Disclaimer:

Participation, eligibility, and program terms vary by state and can change. Verify all information before applying to avoid implied endorsement or stale lender claims.

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