Virginia Housing is a self-supporting, not-for-profit organization dedicated to providing quality, affordable housing across Virginia. It offers mortgages for first-time homebuyers and developers of rental housing, along with free homeownership classes and home modifications for people with disabilities and the elderly[2][3]. The Housing Choice Voucher Program assists low-income families in finding affordable housing[4]. Their target audience includes low-income families, first-time homebuyers, and vulnerable populations. The unique selling proposition is their commitment to affordable housing without using state taxpayer dollars, leveraging capital markets for funding[2].