Socially Responsible Mortgage Lending

JustChoice Lending (JCL) is Fahe’s single-family mortgage lending division.

Homeownership is one of the best ways to build wealth in this country. It directly translates into community investment, intangibly through families putting down roots, and tangibly through contributions to the local tax base. JCL strengthens communities by offering mortgage products for households of all income levels such as USDA Guaranteed, Conventional, FHA, and VA loans along with specialty programs which assist with down payment and closing costs.

While Fahe and JustChoice Lending are located in and directly serve Appalachia, we take products to scale by working outside the region in order to make programs more affordable in Appalachia and other underinvested communities. 

In FY23, JCL served 1,237 people, making 524 loans totaling $109,644,456.