Housing Resources 

GNRC administers home repair programs benefiting low-income families, elderly persons, and persons with disabilities with funds from the Tennessee Housing Development Agency (THDA).  For information about these programs, click here. In addition, GNRC supports housing initiatives in the region through partnerships with THDA and other public and nonprofit organizations.

THDA HOUSING RESOURCES 

As the state’s housing finance agency, the Tennessee Housing Development Agency (THDA) is a self-sufficient, independently funded, publicly accountable entity of the State of Tennessee. THDA’s mission is to meaningfully expand safe, sound, affordable housing opportunities for low and moderate income Tennesseans as the state’s leading resource. Established by the General Assembly in 1973, THDA has evolved and grown to serve Tennesseans in many ways: providing grants to preserve and create homes, offering rental assistance on several different levels, assisting in the creation and maintenance of rental housing, providing educational opportunities, and helping other State agencies with housing missions to solve problems and save taxpayers’ money. For more information on THDA visit the site at https://thda.org.

  1. Homebuyers
  2. Homeownership
  3. Renter Assistance/Section 8

THDA Programs for Homebuyers

THDA offers a broad range of programs for homebuyers, homeowners and renters. For a full list of the programs offered please visit https://thda.org/programs
  • Great Choice Home Loans

    Great Choice is a 30-year, fixed interest rate home loan available through private banks and lenders. These loans focus on first-time homebuyers, U.S. military veterans, and homebuyers in targeted areas. Down payment assistance may also be available.

  • Tennessee’s Free Housing Locator

    This is a THDA-sponsored, free online resource for locating and advertising available rental property and other resources for renters.

  • THDA Research and Planning

    For statewide and county-based information about housing and housing affordability, check out THDA’s Research and Planning publications to gain insight into the state’s housing market and THDA’s impact on affordable housing.

  • Homebuyer Education 
    THDA provides nonprofit organizations with tools to teach homebuyer education classes. THDA maintains on its website a list of certified homebuyer education trainers who can help consumers as they consider purchasing a home.
  • Homeownership for the Brave 
    The Homeownership for the Brave program offers a 1/2-percent reduction on THDA’s Great Choice first mortgage loan for active and retired members of the military.

FAIR HOUSING

The Fair Housing Act prohibits discrimination in housing based on race, color, religion, sex, national origin, disability, or familial status (includes individuals or families with children under 18 years of age and pregnant women). The Fair Housing Act applies to almost all housing in the country.  Any individual experiencing housing discrimination may file a complaint with any HUD office, in person, by mail, or by telephone, not later than one year after the alleged discriminatory act has occurred or terminated. An aggrieved person may also file suit in a federal court whether or not a complaint has been filed with HUD.

HUD has established a national toll-free housing discrimination hotline at: (800) 669-9777 (voice) or (800) 927-9275 (TTY). For more information, go to: https://www.hud.gov/hudprograms/fheo.