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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.

Offers no-interest, deferred payment loans for downpayment and/or closing cost assistance toward the purchase of City-assisted properties.

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

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

Provides comprehensive housing counseling services, including outreach to potential first-time home buyers, to persons eligible for or assisted under home buying, home ownership or rental housing programs regardless of the program source. Provides foreclosure prevention counseling and assistance.

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

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.

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.

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.

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, and transportation 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.

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.

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.

Provides assistance to families who receive rent aid to set goals to become economically self-sufficient by coordinating services in the community such as: Adult Education, Childcare, Transportation, Personal and Career Counseling, Job Training and Job Placement. Also provides One-on-One counseling, helps families set five (5) year achievable short-term and long-term goals, helps identify individual strengths and needs, provides/identifies needed services and establishes an Escrow Savings Account as your earnings increase and offers workshops on: Credit Counseling/Financial Planning, Spending Plans, Nutrition and Homeownership Classes. ACCESSIBILITY: Fully accessible to persons with disabilities.

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.

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

Provides emergency financial assistance if funds are available.

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.

Foreclosure Prevention Clinics are held weekly and include a presentation on vital information that every homeowner in danger of foreclosure should know. Clients who attend the clinic are then scheduled to meet individually with counselors who will address their specific situations. HUD certified counselors assess their clients' financial and credit status and, if appropriate, contact their lenders to negotiate alternatives to foreclosure (forbearance, repayment plans, etc). Counselors also help their clients apply for any assistance programs for which they might be eligible.

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.

HOME's experienced HUD-certified housing counselors will work with clients and their lender to try to keep them from losing their home.

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.

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

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

Administers the HOMEownership Down Payment Assistance Program that assists low income, first time home-buyers with grants to cover closing costs and housing payments. Also administers the SPARC Program which provides lower interest mortgages. Programs we currently provide... Pre-purchase Counseling HOMEownership Down Payment Assistance Program (HDPAP) Homeownership Education Classes.