Tennessee Housing Development Agency (THDA)

As the State’s housing finance agency, the Tennessee Housing Development Agency (THDA) is a self-sufficient, independently funded, publicly accountable entity of the State of Tennessee. THDA’s mission is to meaningfully expand safe, sound, affordable housing opportunities for low and moderate income Tennesseans as the state’s leading resource. For more information on THDA visit the site at https://www.thda.org

THDA Programs

THDA offers a range of programs for homebuyers, homeowners and renters. Check out the programs offered. https://www.thda.org/programs

THDA Emergency Repair Program

For people seeking home repairs, as of April 20, 2024 the dollars for this year have been spent and at this time our waiting list is closed. If you are an existing client on the waiting list, you should be receiving a letter in the mail in June updating you on the status of the program and how to contact us.

Great Choice Home Loans

Great Choice is a 30-year, fixed interest rate home loan available through private banks and lenders. These loans focus on first-time homebuyers, U.S. military veterans, and homebuyers in targeted areas. Down payment assistance may also be available. https://www.thda.org/homebuyers

Tennessee’s Free Housing Locator

This is a THDA sponsored, free online resource for locating and advertising available rental property and other resources for renters. https://www.tnhousingsearch.org

THDA Research and Planning

For statewide and county-based information about housing and housing affordability, check out THDA’s Research and Planning publications to gain insight into the state’s housing market and THDA’s impact on affordable housing. https://www.thda.org/research-reports

Homebuyer Education Course

We offer an online Homebuyer Education Course for first-time homebuyers; Borrowers who need homebuyer education certificates to qualify for a loan; Individuals looking to become more educated about homeownership; and Homebuyers working with local housing counselors. Key Features: Complete at your own pace; Animated videos covering all materials; Easy-to-read content to promote learning and ensure understanding.

The curriculum is based on the NeighborWorks America’s Realizing the American Dream curriculum and meets the National Industry Standards for homebuyer education.  Upon completion of the course, you will receive a certificate of completion that will allow you and your lender to use loan products offered by the Tennessee Housing Development Agency. It is designed to give you the knowledge and background to gain a thorough understanding of the home buying process. For more information, contact Paul Morris at pmorris@maagov.org or 901-729-2871.