The Alabama Housing Finance Authority (AHFA) is a public corporation established in 1980 to provide affordable housing solutions in Alabama. It offers various programs like the Step Up Program, Down Payment Assistance, and Low-Income Housing Tax Credit to support homeownership and rental housing. AHFA's target audience includes low-to-moderate-income individuals and families. The unique selling proposition is its comprehensive suite of housing programs designed to make homeownership more accessible and affordable for Alabamians. Services include mortgage financing, credit counseling, and homeownership education.