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Affordable Housing Means Stronger Communities

The Alabama Housing Finance Authority (AHFA) is committed to expanding affordable housing opportunities across Alabama.

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Today's Rates:
5.750%

First Step
(FHA/VA/USDA)

6.250%

First Step
(CONV)

6.250%

Step Up
(FHA/VA/USDA)

6.625%

Step Up
(CONV)

Who We Serve

Our mission is simple: The Alabama Housing Finance Authority (AHFA) provides homeowner and rental opportunities for Alabamians.

  • Homeownership

    Since 1980, AHFA’s versatile, affordable programs have helped more than 75,000 families purchase a home.

    Homeownership
  • Rental Housing

    AHFA finances the construction and preservation of affordable rental housing across Alabama.

    Rental Housing
  • Mortgage Servicing

    ServiSolutions® can help manage your risk by servicing most loans, regardless of household income.

    Mortgage Servicing
  • AHFA Kids

    We hope to educate children of all ages on
financial literacy so that they can make
smart, real-life financial decisions.

    AHFA Kids

Building Affordable Housing Opportunities Across Alabama

AHFA has been Alabama’s trusted resource for affordable housing since 1980. Created as a public corporation by the Alabama Legislature, AHFA is dedicated to meeting the housing needs of low- and moderate-income residents.

About Us
90k

homeowners helped

60k

rental housing units

45+

years of experience

News

Stay informed with the latest updates and stories from AHFA.

More News
Home Begins Here | Sharon Thompson | Lender & Homebuyer Spotlight

Today’s Home Begins Here spotlight is extra special. It’s a story not only about homeownership — but about family, support, and love.

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Top 4Q25 Lenders Awarded for Using AHFA Programs

Each quarter, AHFA applauds the individual lenders and the lending company who closed the most loans using the First Step and Step Up programs. These are the winners for the fourth quarter of the 2025 fiscal year.

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Success Stories

Families across Alabama are finding more than just a home. They are discovering community, opportunity, and a chance to start over. Dorothy gained affordable housing and a supportive neighborhood close to her daughter. The Stewart family transitioned from renting to owning in Cordova with help from AHFA’s Step Up program. Erica, once a scholarship recipient raised in affordable housing, now helps other students with a similar backgrounds to pursue their dreams.

Click below to read these stories and others that showcase the lasting impact of housing programs and build the foundation for a successful future. 

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