Information for Lenders
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Tennessee Housing Development Agency
THDA was established by the Tennessee legislature through enactment of Tennessee Code Annotated Sections 13-23-101, et seq. Under the direction of a 15-member Board of Directors, the mission of THDA is to be the lead state agency promoting sound and affordable housing for people who need help.
THDA is not a direct lender to borrowers but works with approved mortgage lenders (“Originating Agents” or “OAs”) from across Tennessee to originate its loans. THDA underwrites loan applications submitted by OAs, and then commits to purchase pre-approved loans after they are closed and documented, or in some cases, table funds loans. All THDA loans are serviced by THDA's servicing department known as Volunteer Mortgage Loan Servicing (VMLS).
Originating Agents Guide
Lender Notices
- Lender Notice #2025-11: Encompass Update
- Lender Notice #2025-10: MRB Interest Rate Decrease
- Lender Notice #2025-9: MRB Interest Rate Increase
- Lender Notice #2025-8: MRB Interest Rate Increase
- Lender Notice #2025-7: MRB Interest Rate Increase
- Lender Notice #2025-6: Layered Risk
- Lender Notice #2025-5: MRB Interest Rate Decrease
- Lender Notice #2025-4: Lender Renewal Launch in Comergence Reminder
- Lender Notice #2025-3: Encompass
- Lender Notice #2025-2: Mortgage Credit Certificates
- Lender Notice #2025-1: Lender Renewal Launch in Comergence
Archived Program Changes
Miscellaneous Information for Originating Agents
- Recapture Tax Information
- Post-Closing Procedures for Lenders
- VMLS Servicing Information for New Loan
Newsletter
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Need Help?
If you have any questions or need additional information, please contact SFask@thda.org by email or the Single Family help desk at 615-815-2100.
