First-Time Homebuyer

100% Program - 100% Rate Advantage Program With this program, you are able to lock their first mortgage at market comparable rate. You will need to meet the minimum credit score of 640, have a debt to income ratio of 50% or less, and have a qualifying household income less than or equal to 135% of the median income for the county in which you will live. The Rate Advantage program offers both 3.5% down payment assistance and 5% down payment assistance.


FHLB Grant - FHLB Program make grants available to homebuyers by providing funds as down payment, closing cost, or counseling assistance, or as rehabilitation assistance to homeowners. For the loan program, you must be a first-time homebuyer or a “community partner,” which is defined as employed or retired law enforcement officer, educator, firefighter, emergency medical services or health care worker, other first responder and non-active-duty National Guard reservist. Homebuyers may be eligible for grants between $7,500 – $10,000.

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Viva Home Loans

Founded in 2019, VIVA takes pride in attributing its success to the success of its borrowers.
We believe in providing a transparent and customer-first experience while educating our clientele through the home-financing process..,

Company NMLS: 1165808


Tyson’s Corner
8133 Leesburg Pike
Suite 380
Vienna, VA. 22182

MAIN – 571-438-4142

www.vivahomeloans.com – 2021