Housing Development Fund (HDF) is a non-profit organization that facilitates the development of affordable rental and homeownership opportunities. HDF provides free counseling and unique lending products to first-time homebuyers, helping them become homeowners. Additionally, they offer competitive financing options to developers who build affordable housing units. HDF leverages private investment to make public subsidy dollars work harder to create affordable housing. They are certified by the US Treasury Department as a Community Development Financial Institution (CDFI), a Chartered Member of NeighborWorks America, an AERIS rated agency (AA +2), and a member of the Opportunity Finance Network and the Housing Partnership Network.