North Dakota Housing Finance Agency is a financial institution, providing housing solutions for all North Dakotans. Located in Bismarck, N.D., the financial institution offers mortgage financing and assures the continued availability of low-income rental housing. It also specializes in homebuyer education, home mortgage loan and down payment/closing cost assistance. Additionally, North Dakota Housing Finance Agency offers subsidized rental programs for low-income, elderly or disabled households on behalf of the U.S. Department of Housing and Urban Development (HUD) and Internal Revenue Service (IRS).