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Helps qualified low income families become homeowners. Provides training in budgeting, credit and homeownership skills. Also participates in the Regional Loan Fund program for reduced interest rate mortgage funds and federal grants for down payment assistance. Serves the residents of all five counties of the Rappahannock-Rapidan District. In Madison, Culpeper, Orange and Rappahannock counties. In Madison, Culpeper, Orange and Rappahannock counties, contact Jackie Sill at 540-341-2805

Habitat works toward this vision by building and improving homes in partnership with individuals and families in need of a decent and affordable place to live.

Provides a First Time Homeowners program for Nelson County residents.

Provides direct loans to borrowers who cannot obtain financing elsewhere. They must have good credit and meet reasonable underwriting criteria. Loans are for home ownership opportunities and assistance to low-income households to purchase, construct, and repair a home. Loans can be up to 100% loan to value ratios. Qualified individuals may be eligible to receive payment assistance which may reduce their payment from the established note rate of interest. SEE RURAL DEVELOPMENT WEBSITE FOR ELIGIBLE RURAL AREAS.

The First-time Homebuyer Program offers homeowner education classes, credit report reviews and housing counseling to assist County residents and local workforce in purchasing safe, decent, affordable housing. The program also assists qualified buyers with down payment and closing cost assistance and in designated areas offers low-interest rate financing. HRPDC HOME down payment assistance funds are available to assist with purchases of homes throughout the County. The Community Homeownership Revitalization funds are available to purchase attached and detached single-family homes in designated revitalization areas. The Community Homeownership Revitalization Program sets aside funds for permanent financing with an interest rate 0.5% below VHDA's prevailing rate at the time the lender locks in the loan.

Helps individuals prepare for home ownership and purchase. Serves the counties of Greene, Madison and Orange. ACCESSIBILITY: Fully accessible to persons with disabilities.

Housing Counseling assists first-time homebuyers with purchasing a home and provides foreclosure prevention services to current homeowners in danger of losing their home.

Provides support and resources related to different housing situations: pre- and post-purchase, mortgage default counseling, rental counseling, fair housing, and homelessness. Housing counselors will listen to the situation; whether the person is renting or buying a home. Can speak with landlords or mortgage companies and help find local resources. Offers Renter Education Classes. Free Renter Education Workshops are held monthly in the NRV. Topics covered: Renter & Tenant Rights and Responsibilities Fair Housing Laws The Eviction Process Energy Savings Tips Financial Tips

The Homeownership Counseling Program focuses on helping low to moderate income residents build their financial capability skills, establish or repair their credit, purchase their first home, or save their homes from foreclosure.

The Homeownership Counseling Program focuses on helping low to moderate income residents build their financial capability skills, establish or repair their credit, purchase their first home, or save their homes from foreclosure.

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

Offer a number of programs to assist individuals who are interested in improving their finances, becoming a homeowner, or who need guidance with resolving a mortgage crisis. - 6 Steps to Homeownership - One-on-One Rental / Financial Counseling - One-on-One Pre & Post-Purchase Counseling - Mortgage Delinquency/ Pre-foreclosure Resolution Counseling - VHDA Homebuyer Education - Post-Purchase Education - Useful Resources

Provides information on homeownership, homeownership education, homeownership counseling sessions, opportunities to meet with lenders, applicant briefings, and coordination of resources for current and prospective first-time homebuyers. Income restrictions apply.

This 12 month program will enroll members who have a goal of home ownership. The club will assist customers in planning for home ownership. Club activities will include financial planning, credit repair, mortgage education, home maintenance.

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.

Home ownership opportunities for low-income families who can repay a zero-interest mortgage on a home priced at cost (well below market price). Affiliate of Habitat International, dedicated to eliminating substandard homes in Gloucester and Mathews counties.

HOME offers comprehensive homebuyer education and counseling as well as provides down payment and closing cost assistance to low & middle income families who have the cash flow necessary to handle a mortgage payment, but are unable to put together the relatively large amount of money necessary to cover the down payment and closing costs. Financial assistance terms vary.

Has established a Lease to Purchase Home ownership Program enabling low income families to buy their own homes by providing budget and credit counseling to ensure financial approvals. Prospective participants must meet established Housing Authority income guidelines.

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.

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.

Provides individual housing counseling to help avoid foreclosures, offers first-time home buyers workshops, and assists special-needs clients avoid homelessness.

The FLHF has a part time home buyer counselor on staff to assist first time home buyers and access to financial education programs.

First Home Alliance provide homebuyer education and confidential one-on-one coaching to help people navigate the home-buying process.

Assists older individuals who have home equity and want to remain in their homes and have additional cash flow. Offers counselors that explain how interested parties can take out a loan, which typically does not have to be paid back as long as they live in their home. This counseling service fulfills the HUD prerequisite for Reverse Mortgage application.

Virginia Housing offers homebuyer education classes online or in-person.