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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.

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.

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.

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

HUD Certified Housing Counselor provide homeowners with all necessary information, financial evaluation, and guidance to prevent foreclosure. Also, Housing Counselors help homeowners understand their options and assist in negotiating with their servicers or investors.

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.

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.

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.

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.

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.

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.

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

Provides rent, utility, medical/dental, food, and other emergency assistance to those in need in the Cities of Manassas and Manassas Park. Leave a message for a return call.

Financial assistance with housing (rent or mortgage payments) or basic utilities (heating, cooling, water). LCEF will cover a portion of the payment for one month. See Intake procedures.

HPF provides a comprehensive financial education and confidential foreclosure prevention counseling.

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

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

WHEAT is an emergency based organization that provides assistance in emergency situations for residents of Western Hanover County including Beaverdam, Doswell, Montpelier and Rockville. If you need assistance call 877-559-4328.

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..

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

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 comprehensive home ownership counseling and education. Through one-on-one counseling, clients learn how to manage their income, consolidate debts, save money toward the down payment and apply for a mortgage. Also offers HUD approved Fair Housing Assistance, Home Improvement and Rehabilitation Counseling, Loss Mitigation, Money Debt Management, Mortgage Delinquency and Default Resolution Counseling, Postpurchase Counseling, Predatory Lending Counseling, Renters Assistance and Services for Homeless.

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.

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

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.