Fortis Funding

Genworth Financial is an insurance company, serving lifestyle, retirement, investment and mortgage insurance needs of more than 15 million customers. Its product line includes life insurance, long- term, payment protection, and employee health, dental and disability insurance. It offers fixed deferred, fixed immediate and variable deferred annuities. The company s investment services include private asset management, selling annuities, insurance and third-party mutual funds, retirement planning, and managing loan programs. It offers products and services to policyholders, insurance, financial and mortgage professionals, businesses, and service providers. It provides mortgage insurance in the United States and 12 other countries, including Italy, Japan, Denmark, Canada, France, Germany, Sweden, Poland and New Zealand. Michael D. Fraizer has been the chief executive officer of Genworth Financial for more than nine years. He has been with the insurance firm for over 26 years. Fraizer earned a BA degree from Carleton College. Genworth Financial is headquartered in Richmond, Va.

The Virginia Housing Development Authority is the state of Virginia s mortgage finance agency. Created in 1972 by the Virginia General Assembly, it helps low- and moderate-income Virginians attain quality and affordable housing. The authority has developed an array of home ownership loan programs to remove the barriers of buying a home and meet the changing needs of today s low- and moderate-income consumers. It offers home mortgage loans for both first-time buyers and repeat homeowners. Most of these loans are originated by private lenders. The authority also has two traveling vans that serve as mobile mortgage offices to process and approve loans in the southwest, southside and the eastern shore areas of Virginia that are not served by traditional lenders. Since 1993, the Virginia Housing Development Authority has offered free home ownership education classes throughout Virginia to help Virginians learn the process of buying a home and maintaining it long term. In addition to English, classes are held in Spanish and sign languages.