Shawn Wilmoth · United Real Estate Solutions · East Tennessee REALTORS® Participant
Edition of October 15, 2026 · As of 10-28-2026
One short quiz a week, every THDA quiz and the rules explained. Educational only.
A course is part of the help for two of the programs, and THDA lists the courses on its own site.
Great Choice Plus and Homeownership Heroes need a THDA-approved homebuyer course.As of 10-28-2026
Source: thda.org
Take the quiz: Which loan fits: Great Choice or Freddie Mac HFA Advantage? →
Read more: The homebuyer courseHow a THDA loan works, step by stepDown payment help in four sizes
Owned before? The rule counts the last few years, and there are other routes for repeat buyers.
A buyer who has not lived in a home they owned in the last 3 years may be a first-time buyer under THDA's rule. Repeat buyers may also be eligible in a targeted county or area, or as qualified military and spouse. THDA lists 43 counties as targeted, and designated areas in additional counties.As of 10-28-2026
Source: thda.org
Take the quiz: First-time buyer check →
Read more: The first-time buyer ruleTargeted areasTHDA questions, answered
Your rights as a buyer
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