Voted Vermont's #1 Best Place to Work by Vermont Business Magazine! Vermont Housing Finance Agency (VHFA) was established in 1974 to finance and promote affordable housing opportunities for low- and moderate- income Vermonters. Since its inception, VHFA has assisted approximately 29,000 Vermonters and their families purchase primary residences; and provided financing, development and management support, subsidy administration and tax credits to approximately 8,800 units of multifamily rental housing.