Alabama Housing Finance Authority

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Want to buy a home? AHFA can help.

AHFA offers programs to provide down payment assistance and tax credits that help low- to moderate-income buyers purchase a home. The generous sales price and income limits make qualifying easy. Learn More
Lender Spotlight: Debra Alford

December's Lender Spotlight shines on Debra Alford, a top performer with First Federal Mortgage's Tuscaloosa branch Learn More
Step Up program makes homeownership a reality

AHFA’s Step Up program offers a competitive 30-year fixed interest rate and down payment assistance option. Learn More
Providing affordable rental housing across Alabama

AHFA's multifamily programs help developers build or rehabilitate housing to be rented at affordable rates to thousands of Alabama families. Learn More
Learn how to save with MCCs

The Mortgage Credit Certificate (MCC) program is designed to save you money and help make homeownership more affordable, with an annual credit that reduces your federal income tax liability over the life of your mortgage. Learn More
Find an affordable apartment in your area

There are a lot of reasons why it could be better to rent a home instead of buying one. If that's the case for you, AHFA can help you find affordable rental housing.
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Success Stories

Today's Rates

Step Up (FHA) =4.00%

Step Up (Conv) =4.25%