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
NEW Originating Agents Guide (effective for loans on or after February 1, 2024)
Originating Agents Guide (effective for loans on or prior to January 31,2024)
Lender Notices
- 04/22/24 - NOTICE #2024-17: MRB Interest Rate Increase
- 04/16/24 - NOTICE #2024-16: MRB Interest Rate Increase
- 04/11/24 - NOTICE #2024-15: MRB Interest Rate Increase
- 04/10/24 - NOTICE #2024-14: Originating Agent's Guide Updates
- 03/14/24 - NOTICE #2024-13: Lender Renewal Launch in Comergence Reminder
- 03/05/24 - NOTICE #2024-12: Change in Qualified Census Tracts
- 03/04/24 - NOTICE #2024-11: MRB Interest Rate Decrease
- 02/22/24 - NOTICE #2024-10: MRB Interest Rate Increase
- 02/21/24 - NOTICE #2024-9: MRB Interest Rate Increase
- 02/15/24 - NOTICE #2024-8: Lender Renewal Launch in Comergence
- 02/06/24 - NOTICE #2024-7: MRB Interest Rate Increase
- 02/01/24 - NOTICE #2024-6: Originating Agents Guide Updates
- 01/31/24 - NOTICE #2024-5: Updated Subordinate Lien Documents
- 01/29/24 - NOTICE #2023-4: Early Closure of Rate Lock Desk and DPA Reminder
- 01/18/24 - NOTICE #2024-3: DPA Changes and Third Party Fraud Risk Assessment
- 01/12/24 - NOTICE #2024-2: DPA and Closing Cost Assistance Training Information
- 01/03/24 - NOTICE #2024-1: DPA and Closing Cost Assistance Changes Reminder
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.
