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VHFA's mission is to finance and promote affordable, safe and decent housing opportunities for low- and moderate-income Vermonters. To achieve our mission VHFA has adopted the following goals: To provide access to low cost, flexible, innovative programs for individuals in need of affordable mortgage financing. To stimulate the development, financing and preservation of affordable housing, including rental and ownership housing opportunities for low- and moderate-income Vermonters; and to encourage mechanisms to ensure that this housing remains perpetually affordable. To create and sustain a workplace conducive to attracting and retaining a quality staff. To maintain a sound fiscal structure and meet all fiduciary requirements in a professional manner. To work in partnership with state government, municipalities and the private sector to: Encourage and support quality planning for affordable housing; Address the special needs of Vermonters who have disabilities or require supportive services; and Address homelessness in Vermont. To heighten general awareness of housing needs for low- and moderate-income Vermonters, particularly with groups who can have an impact on the production of such housing, including the legislature, community officials and the business community.