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.

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 grants for natural disasters or no-interest loans to civilian federal and postal employees who need assistance for basic necessities (rent, utilities, etc.), because of a financial emergency beyond their control. Must fit into eligible hardships listed on the website. Limits assistance to individuals up to $1500. Application must be completed online, not accepted in any other format.

Provides temporary rental assistance, mortgage, utilities, food, household products, prescriptions, transportation, and dental costs for individuals and families residing in New River Valley and transients who are experiencing a financial crisis who meet the eligibility guidelines. · Utility payment assistance - up to $500 per year · Food, household supplies, diapers, and infant formula - monthly Assistance is available for households with incomes up to 200 percent of the federal poverty guidelines (example: $52,400 for a family of four). For Rental or mortgage payment assistance, call our Housing Crisis Hotline at 540-639-3159.

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.

Provides financial assistance with payments of rent, mortgages, utility bills, medical expenses and other financial needs. Determines eligibility for services on an individual case by case basis. Calls are retrieved from a central message center. ***do not accept calls from Outside of our area***

Provides temporary rental assistance, mortgage, utilities, food, household products, prescriptions, transportation, and dental costs for individuals and families residing in New River Valley and transients who are experiencing a financial crisis who meet the eligibility guidelines · Utility payment assistance - up to $500 per year · Food, household supplies, diapers, and infant formula - monthly Assistance is available for households with incomes up to 200 percent of the federal poverty guidelines (example: $52,400 for a family of four). · For Rental or mortgage payment assistance, call our Housing Crisis Hotline at 540-639-3159.

This program helps first-time homebuyers purchase in Arlington by providing a deferred-payment, zero-interest second trust mortgage of up to 25% of the home purchase price. Must attend a 6-hour VHDA Homebuyer Education Course and obtain a certificate of completion.

Emergency financial assistance is available to registered GoochlandCares clients for rent/mortgage, utilities, heat and other needs in certain situations. When families seek financial assistance, they are required to meet with one of our financial counselors.

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.

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.

Assists low and moderate income households purchase homes by helping pay down payment and closing costs. For more information, please call: Rental Office: (434)326-4672 Central Office: (434)326-4748

Certified by the U.S. Department of Housing and Urban Development (HUD) as a housing counseling agency and provides a wide-range of financial counseling services such as: *Mortgage delinquency; *Foreclosure prevention; *Loss mitigation; *Pre-purchase counseling; *Pre-purchase homebuyer education; *Budget counseling; *Debt/credit repair counseling; *Post-purchase counseling; *Fair housing assistance; *Homeless assistance; *Asset/financial security(Individual Development Accounts). An affiliate of JustChoice Lending, which now offers a special mortgage product exclusively for homebuyers in Central Appalachia. Rural Housing 502 Direct Loans are funded by the federal government and mortgage payments are based on the household's adjusted income. Getting a 502 loan provides an opportunity to own your home and build equity for the future. Financing options are available for clients with fixed incomes, those who are self-employed, and the working class. A 502 can offer: *no down payment; *alternative credit analysis; *interest rates as low as one percent; *payment assistance; and *affordable monthly payments.

Serves as a department of local governmental authority which provides housing for low to moderate income families. Programs provided: Public Housing, Housing Choice Voucher (Section 8), Affordable Housing, Resident Services and Community Development.

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

A HUD approved Housing and Financial Counseling agency providing 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.

The Salvation Army provides rent and mortgage assistance to local families and individuals.

Provides assistance to individuals and families struggling with an unexpected crisis or homelessness. Housing and budget counseling are major components of this assistance to help each client develop goals to work toward self-sufficiency. Financial assistance may include: rents and rental deposits and utility deposits and payments. Provides financial assistance to clients experiencing some kind of short-term crisis beyond their control, such as a serious accident, illness or injury; an unexpected job layoff, termination or reduction in hours; a loss of daycare or transportation that has affected a client's ability to work; or a delay in approved benefits.

Provides Emergency Financial Assistance with partial payment of rent /mortgage, utilities (electric, gas, water), and some medical, dental, vision, and prescription medications.

This counseling service is for homeowners are current or more than 30 days past due on your mortgage and experiencing a significant reduction in income or some other hardship that will prevent them from making their next mortgage payment.

Webinars/workshops on the home purchase process; how to prepare for a loan application; DC loan programs, resources to assist you in your housing search, and tenant rights.

The A-NPDC is a HUD-certified housing counseling agency. We have adopted the National Industry Standards for home ownership and default counseling and education. HUD Certifed Housing Counselors are on staff. Offer workshops and counseling in pre-purchase and post-purchase home ownership, rental, financial literacy, fair housing, and other topics. Education services are available to groups off-site on requested topics in addition to regularly scheduled courses.

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

Educates consumers about the process of buying a house, picking a mortgage and payments that can meet their budgets, and the legalities and protections available to homebuyers. Meets the qualifications for VHDA first-time homebuyers workshop requirement.

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.