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This program provides low-interest loans for homebuyers, down payment and closing cost assistance, home repair loans, and a Homeownership Education Program. Staff also provide housing counseling which includes budget and credit counseling, mortgage default and foreclosure counseling, Fair Housing counseling, and financial management.

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.

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.

Provide financial assistance in Appomattox County only. Eligible once every 12 months. Amount from $100-$150 for utility bills.

The Junction Center for Independent Living, Inc. is agent for Virginia Housing, Inc to administer rental assistance vouchers for low income individuals with disability to assist them in finding safe, accessible, and affordable housing. The voucher program of Virginia Housing, Inc provides rental assistance to individuals throughout the Commonwealth of Virginia.

Financial assistance may be provided for rent. CCAP gives up to $200 per year per household. CCAP will not pay on bills that are above $500. CCAP will not pay on pay or quit/eviction notices. If the bill is over $500, client must bring proof of who else is helping with the bill. Client has to bring proof of income or be able to certify why they are not working.

One-on-one counseling and/or 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.

A 501c3 organization that provides limited financial assistance with payment for utilities such as water or electricity, rent, and medications. A cut-off notice is required for utilities and a pay or quit, or an eviction notice for rent. The client must be a Hanover County resident and live in the zip codes of 23005, 23059 or 23069. The client must also provide photo identification.

Assists with financial emergencies. Includes electricity termination notices; rent/mortgage; heating fuel; medical/dental/prescription;motel for homeless (temporary);gas to go to work; other miscellaneous expenses

Herndon-Reston FISH assists local residents in short-term crisis. FISH provides help by responding to emergency requests for rent, utilities, medical prescriptions, and other critical needs to stop destabilizing events.

Provides emergency assistance for those in danger of having their utility turned off or being evicted for non payment of rent. Food pantry and clothing available.

Assists area residents in emergency situations for such items as heat, electric, and rent. May also provide gasoline assistance when needed to get to doctors appointments.

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

Provides assistance for rent, rent deposit, full or partial, may be made for housing of a client. Serves residents of Bristol, Virginia and Tennessee and Blountville, Bluff City, and portions of Piney Flats Tennessee. Informs residents of available community resources and may provide some financial resources to those who are experiencing a temporary financial crisis. Must meet eligibility requirements in order to receive assistance.

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.

Provide emergency assistance for past due rent and utilities and medical expenses for seniors and adults with disabilities receiving SSI, SSDI or VA benefits

Non Profit Agency providing emergency assistance for rent, utilities, and winter heating fuel, based on need, frequency, and cost.

This program provides comprehensive housing counseling services. Customers can receive advice and assistance for housing challenges and concerns. The housing counselor is trained to provide information on foreclosure, eviction and loss mitigation.

Provides financial assistance to families in emergency situations. Includes utility and rental assistance. Must obtain application for assistance from the Gloucester County Department of Social Services.

Helps people with disabilities who are homeless or who need to locate affordable, accessible housing.

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

Provide assistance with rent and utility bills.

Encompass Community Supports helps people find and keep safe, affordable housing. Work with other parts of our agency and community partners to connect people to housing assistance. Some of our programs include lower income options for eligible adults 62 and better, rent subsidies, formally known as Section 8 Vouchers, and short-term rental assistance. Help individuals obtain housing quickly and increase self-sufficiency. The referrals for this option begin at Foothills Housing Network.

The agency provides funds to assist with utility bills or rental payments once every 12 months. Clients must meet income requirements to be eligible for funds. Individuals and families are assisted based on the availability of funds.

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