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Federal Deposit
Insurance Corporation

Each depositor insured to at least $250,000 per insured bank

Community Affairs – Affordable Mortgage Lending Center

Affordable Mortgage Lending Guide,
Part II: State Housing Finance Agencies

The Affordable Mortgage Lending Guide, Part II: State Housing Finance Agencies focuses on the programs and products offered by each State Housing Finance Agency. We provide an overview on the types of products that State Housing Finance Agencies offer. Since each State Housing Finance Agency has different products, we provide general information on first mortgage products, down payment and closing assistance, mortgage tax credit certificates, and homeownership education and counseling programs that can facilitate mortgage lending by insured depository institutions. Many of these products can be used in conjunction with other federal and government-sponsored enterprise programs, as well as Federal Home Loan Bank products.

Because borrower and loan criteria are subject to change, and many HFAs add and eliminate programs on a regular basis, the Affordable Mortgage Lending Center provides the most recent information available. Realizing the need for accurate and timely information, the FDIC is committed to annually updating the publications through this web page. A review of Part II was completed on July 1, 2017, and the following updates were made to the publication and Quick Links: State Links for Housing Finance Agencies.


Affordable Mortgage Lending Guide, Part II: State Housing Finance Agencies - PDF

About This Publication - PDF

Snapshot of State-by-State Housing Finance Agency Products - PDF

Overview: Doing Business with State Housing Finance Agencies - PDF

Commonly Offered HFA Products, Programs, and Services:


Other Homeownership Products and Programs: Individual Development Accounts and Alternative Private Mortgage Insurance Options - PDF

Products and Programs beyond the Scope of this Guide - PDF

FDIC’s Community Affairs Program - PDF

Glossary & Terms - PDF

Appendix A: State Summaries of HFA Products and Resources - PDF


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