Real Estate Lending

First in.

Our real estate lending programs.

The key to vibrant communities starts with real estate developments that spur growth, job creation, and an improved quality of life.

We provide financing in both commercial and mission-based real estate: Multi-family developments. Commercial properties. Medical centers. Healthy food grocers. And much more.

We have a proven track record of providing real estate financing for harder-to-structure projects where other lenders and financing institutions might not be willing to lend.

Real estate advising

Beyond lending, we’re a partner for all projects in which we invest. You are able to tap into our vast industry expertise to learn more about best practices and observed challenges. We bring in experts and stakeholders to ensure every project has a plan for success. We can deploy talent and resources to answer complex questions you may have regarding capital sources, regulations, development methods, and more.


Our loan officers are found in many corners of Virginia and have a wealth of expertise in assembling financing packages that are customized to your unique needs. Our team has the ability to analyze complex transactions and use consideration in identifying options that are both attractive and flexible to your goals.

VCC offers a variety of financing options:
  • Acquisition/Refinance Loans
  • Construction Loans
  • Mini-Perm Loans
  • Historic Tax Credit Bridge Loans
  • Rehab Loans


Affordable/Workforce Housing

VCC’s lenders are experienced in partnering with federal low-income housing tax credit programs as well as state and local programs focused on affordable housing and community development. We support developers to build more affordable rental housing in Virginia using The Housing Catalyst Fund - a program resourced by the Department of Treasury’s Capital Magnet Fund. With this program we are able to offer low rates for acquisition and construction loans as well as bridge, gap, and mini-perm financing.

Projects are limited to affordable rental properties only. Eligible borrowers include both for- and non-profit entities, housing authorities, and mixed-use developments.

Virginia Community Capital is a member institution with The Federal Home Loan Bank of Atlanta’s Affordable Housing Program (AHP), assisting borrowers in accessing their funds.

Contact Our Real Estate Team


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Loan Closing : Church Street Station Studios

Church Street Station Studios is an 80-unit development from Virginia Supportive Housing, a Richmond-based nonprofit that operates 650 housing units in 16 communities, including six apartment complexes in Hampton Roads. Church Street Station provides new affordable housing and support services for formerly homeless individuals, low-income tenants, and those with cognitive or physical impairments.

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