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.

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.

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.

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

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.

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

Provides a crisis intervention program that offers food, clothing, housing assistance (to avoid foreclosure or eviction), fuel assistance, transportation or medical emergency. Clients applying for cash assistance must be able to pay a portion of the bill. Clients are eligible for cash assistance only once a year. Gives referrals for services not available directly.

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

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.

Office of Real Estate Valuation and assessments. Appraises all eligible properties within the county for tax purposes. Our appraisers establish the market value of a property by evaluating the buying and selling of similar surrounding real estate on the open market.

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

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.

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.

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.

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.

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

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.

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

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.

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 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

Agency assists residents in Altavista, Hurt, Gretna and Evington. Applications for electric bills, heating bills, and rental assistance are taken by a volunteer. The applications are then reviewed by DAWN's Administrative Staff.

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.

Assists local non-profit housing corporations in the PD 9 area by providing hands-on training and consulting. FHC staff includes certified and licensed lead paint inspectors/risk assessors, housing rehab specialists and certified housing counselors.