Texas Association of Local Housing Finance Agencies

TALHFA members provide quality affordable housing for working families and professionals who are just starting out, as well as for senior citizens who are downsizing or desire to live in a community atmosphere. This is one piece of the housing continuum necessary to serve the overall population of our growing Texas communities. Because TALHFA members live in the communities we serve, our interests in meeting housing needs are personal, as well as professional.


TALHFA is a statewide non-profit organization established in 1989 for the purpose of informing, planning and supporting the needs of local housing finance agencies in their delivery of affordable housing in the State of Texas.

TALHFA has an active membership of over 250 professionals in all areas of affordable housing. Local Housing Finance Corporations, Bankers, Attorneys, Developers, Trustees, Service Providers, Consultants and many other professionals work together in offering solutions for homeownership and rental opportunities.  TALHFA is the only statewide association specifically focused on the housing needs and concerns of LOCAL communities in Texas.

About Us


What are Local Housing Finance Corporations & What Do They Do?

Local HFCs are created under the Texas Housing Finance Corporations Act of 1979, currently authorized under Chapter 394.905, of the Texas Local Government Code. While not a governmental entity, each corporation is a duly constituted non-profit, instrumentality of the governments which sponsored the creation of the HFC.

To meet their mission, Local HFCs provide housing opportunities which are needed in their communities. These may include:

  • Safe mortgage products for First-Time Homebuyers (resulting from tax-exempt bond financing or the Issuance of Mortgage Credit Certificates)
  • Down Payment and Closing Cost Assistance
  • Financing for quality residential rental homes for working families and seniors
  • Homebuyer Fairs and other informational forums
  • Homebuyer Education Classes and Financial Literacy Classes
  • Partnering with other providers to build community facilities for area children
  • Building Infill Housing
  • Assisting other agencies in times of disaster
  • Home Rehabilitation Programs
  • Many other activities to assist in the provision of safe, decent and affordable housing in the communities they serve


Local HFCs provide a LOCAL focus on LOCAL housing needs