Skip to main content

THDA: Valuable Housing Services for Tennesseans

**NOTE: The THDA’s 2024 Tennessee Housing Conference is coming up February 29–March 1 at the Music City Center in Nashville. To learn more and register, visit HERE.

The Tennessee Housing Development Agency just completed its 50th year of service to the Volunteer State. The agency was created by the General Assembly in 1973 as the state’s housing finance agency.

Its purpose is to promote the addition of affordable housing, the preservation and rehab of existing affordable housing, and the stability of the residential construction industry (and related industries) to assure a steady flow of new housing units.

As you might be aware, THDA offers loan products through private-sector lending partners that help Tennesseans achieve the goal of homeownership. All THDA loans have 30-year, fixed-rate terms and offer down payment assistance as an optional second loan. The agency also provides servicing for these loans through Volunteer Mortgage Loan Servicing. (Proceeds directly support the operations of THDA and are reinvested in our state through THDA’s programs and grant initiatives.)

As the state’s housing finance agency, THDA also serves Tennesseans in many other ways. They include:

  • providing grants to preserve and create homes
  • offering rental assistance on several different levels
  • assisting in the creation and maintenance of rental housing
  • providing educational opportunities
  • and helping other state agencies with housing missions to solve problems and save taxpayers’ money.

Here is a menu of the programs THDA offers in a broad range of categories. Please keep these in mind as any buyers, sellers, or other folks in your network and area of service are looking for such valuable opportunities. Click on any of the titles below to learn more.

For Homebuyers:

For Homeowners:

For Renters/Section 8:

For Rental Housing Partners:

For Homeownership Partners:

For Local Government & Nonprofit Partners:

THDA also has a Research and Planning department that compiles a report of impacts and investments across the state from year to year. In addition, the agency provides interactive maps, housing indicators at a glance, housing market trends, issue briefs, and other helpful resources. Learn more about all of those HERE.

You can find answers to Frequently Asked Questions about THDA HERE, and read inspiring stories from those who have benefited from THDA services HERE.

EMTAR appreciates the half-century (and beyond) of important services provided by our friends at the Tennessee Housing Development Agency!

About EMTAR: Chartered in 1969, our Association’s 1,300+ REALTORS® are a proud part of the 36,000+ members of Tennessee REALTORS® and of the 1.5 million+ members of NAR, all working to serve the public and protect the rights of America’s property owners. EMTAR members are known not only for their unmatched real estate excellence and high ethical standards, but also for being generous, hospitable, others-focused, loyal, hardworking, and eager to help wherever and whenever help is needed.

Tennessee housing services, THDA