Homeownership opportunities are available to assist First-Time Homebuyers purchasing a home in the City of Richmond and Henrico County. Down Payment and Closing Cost Assistance is available. We also provide assistance navigating foreclosure prevention, VIDA Match Program, and Virginia Housing's SPARC Program.

The Real Estate Assessments Office collects information regarding property descriptions, property sales, and other real estate market data. To ensure property descriptions are accurate, County appraisers periodically inspect properties to verify current data.

The central mission of the Consumer Financial Protection Bureau (CFPB) is to make markets for consumer financial products and services work for Americans whether they are applying for a mortgage, choosing among credit cards, or using any number of other consumer financial products. We can help you get connected to a HUD-approved housing counselor. At no cost to you, the counselor can help you work with your mortgage company to try to avoid foreclosure. A housing counselor can help you organize your finances, understand your mortgage options, and find a solution that works for you. Have this ready when you work with your mortgage company or housing counselor to discuss a possible work-out solution. Mortgage loan number (account number) Any additional paperwork from your mortgage company Recent pay stubs Recent tax return Household expenses (bills including food, utilities, car payments, insurance, cable, phone, credit cards, car loans, and student loans) Then call the toll-free help line at (855) 411-2372 (English/Spanish) for assistance with your mortgage.

Certified HUD Counselors work with individuals in group settings or one-on-one sessions to reach financial goals and increase economic mobility. Sessions include financial literacy, predatory lending, fair housing, and rental topics.

Reverse Mortgage Counseling provided virtually.

Provides emergency and crisis intervention. Offers help with clothing, rent, utilities. Serves the Counties of Warren, Page, Shenandoah and Rappahannock.

This program helps those who are elderly, disabled or victims of fire. Based on each individual's need and our Board's guidelines, they may receive assistance with any of the following: material items, food, emergency shelter. Some may qualify for assistance with rent, mortgage, utilities and heating (oil/propane/firewood).

Families falling behind on mortgage payments can speak with a housing counselor. They will discuss methods to stop foreclosure, including loan modification, forbearance plans, or other programs to allow the family to remain in the home and catch up missed payments. This is not a rent assistance helpline. For rental assistance, visit www.rentassistance.us.

Cornerstones provides First Time Homebuyer Classes; participants will receive a Certificate valid for two years to apply for the affordable housing programs in Virginia and access down payment assistance grants from Virginia Housing. The classes are free, but registrations are required.

GCAP offers emergency assistance to low-income Goochland residents for food, rent/mortgage payments, and utilities. GCAP is also able to support low-income residents with educational expenses for job training, after-school childcare, and summer camp. Goochland Community Action Program (GCAP) is administered through the Goochland Department of Social Services. Applications are accepted via mail, fax, or drop-off in person.

NO DIRECT SERVICES. Referrals to funded partner agencies and local governments for Housing Counseling, foreclosure prevention, affordable rental housing, housing discrimination, homeless services.

Provides housing assistance, in the form of supplemental rent and housing rehabilitation/repair services, to those who qualify as low income. Manages the Section 8 Rental Assistance program in both counties. The FLHF has a part time home buyer counselor on staff to assist first time home buyers. The organization manages the Indoor Plumbing Program and State Emergency Home Repair Program. In addition, the Foundation has funds for grants and loans to repair dwellings. The FLHF also provides/installs/sells portable, modular aluminum ramps. For all services please contact the main office in Louisa.

This program provides housing counseling to individuals with HIV/AIDS and serves as a support system for clients and their families. Clients receive emergency assistance for short-term rental, utility payments, transportation and food.

Provide funds to help with a wide range of financial needs. Common situations include: Food, rent/mortgage, utilities, essential home repairs Establishing a new residence, including security and utility deposits Car expenses, such as repairs and insurance deductibles Medical expenses Military pay shortage / delayed entitlements Funeral expenses

This program provides low-interest loans for homebuyers, down payment and closing costs assistance, home repair loans and a Homeownership Education Program. Staff also provides housing counseling which includes budget and credit counseling, mortgage default and foreclosure counseling, Fair Housing counseling, and financial management.

Teaches first-time homebuyers about the mortgage approval process, credit reports, credit scores, personal budgets, insurance costs and closing costs.

Offers emergency assistance through a private, non-profit religious and charitable organization. Services provided include Homelessness Prevention (Rent/Mortgage), Prescription Medicine Assistance, Clothing (provided through the Family Thrift Store), Furniture and Appliance Assistance (For fire/flood victims and those transitioning from homelessness), Utility, Heating Fuel, Wood, School Supplies and Counseling. *Does not provide hotel or motel assistance.

Offers a variety of HUD counseling services to community residents including budget, credit, homeownership, and rental counseling.

A housing counselor can help by providing advice on buying a home, renting, defaults, foreclosures, and credit issues.

This program provides comprehensive housing counseling services. Customers can receive advice and assistance for housing challenges and concerns. The housing counselor is trained to provide information on foreclosure, eviction and loss mitigation.

All real property, including commercial & residential, are re-assessed annually. Determining the value involves a combination of factors, which include but are not limited to: The price a typical buyer would pay for the property in its current condition in a competitive and open market. The value that similar properties are selling for Estimated cost to replace the property with today’s materials and labor costs How much it takes to operate and keep in repair Potential earnings if rented

This program provides low-interest loans for homebuyers, down payment and closing cost assistance, home repair loans, and a Homeownership Education Program. Staff also provide housing counseling which includes budget and credit counseling, mortgage default and foreclosure counseling, Fair Housing counseling, and financial management.

Provides limited direct financial assistance to individuals/families in need and help to address basic necessities. Examples are rent/mortgage, groceries, medical co-pays and fuel and electric assistance.

A HUD approved Housing and Financial Counseling agency providing one-on-one counseling in the areas of rental, home purchase, credit management, debt reduction and foreclosure avoidance. CCC also offers classes on financial management, managing your credit, the home buying process, your rights and responsibilities as a renter, Fair Housing laws and foreclosure prevention. Employment Services are provided through job training/placement and career development counseling.

Provides emergency financial assistance with utility/fuel and rental and mortgage assistance through the Goshen RuraLove program which serves the county of Louisa. Also provides Christian counseling through the Goshen Counseling Center in Mineral and in Orange..