FEDERATION OF APPALACHIAN HOUSING

Home lending - jcl is a full-service mortgage lender that strengthens communities by creating successful homeowners. Justchoice was the first nonprofit third party originator for freedom and has been instrumental in creating a national nonprofit packaging system for usda rural development 502 direct loans. Jcl is a fannie/freddie seller/servicer as well allowing rural regions to access capital that could be unavailable from other lenders.

Mortgage lending - justchoice lending (jcl) is a full-service mortgage lender that strengthens communities by creating successful homeowners. Justchoice was the first nonprofit third party originator for freedom and has been instrumental in creating a national nonprofit packaging system for usda rural development 502 direct loans.

Membership - the membership team strengthens our network by connecting the members to each other and to fahe's expertise and services. Fahe's 50+ members in the appalachian portion of kentucky, tennessee, west virginia, virginia, alabama, and maryland get access to specialized training, information sharing, financial resources, and a stronger combined political voice that supports positive change in their communities.

Loan servicing - fahe loan servicing emphasizes quality customer care and personalized account management on the mortgages we service for fahe, our partners, and our borrowers. During the year ended june 30, 2023, fahe serviced 4,140 loans. - following is a list of states where either jcl or loan servicing (in some states both) are licensed to conduct business; kentucky, tennessee, indiana, florida, mississippi, virginia, west virginia, maine, michigan, hawaii, minnesota, south carolina, illinois, and alabama."