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Loudoun Habitat for Humanity partner with homebuyers, volunteers, donors, businesses and community organizations to transform lives and rebuild communities. Houses are sold at an affordable, no-profit rate to qualified home buyers who earn 30% to 80% of the area median income. Homebuyers complete volunteer hours (sweat equity) and attend classes to learn the skills needed to successfully own and maintain a home for the rest of their lives.

Down Payment/Closing Cost Assistance or Down Payment/Closing Cost Plus Program for first-time homebuyers purchasing a home either through the Affordable Dwelling Unit (ADU) program or purchasing an existing market rate home can borrow up to 10% of the sales price or $70,000, whichever is less. This loan is forgivable over 15 years. Public Employee Homeownership Grant Program (PEG) offers a grant of a secured loan to full or part-time public employees (Loudoun County Government, Loudoun County Public Schools, Constitutional Offices).

Dedicated to the elimination of poverty and substandard housing by working with people from all walks of life to develop communities by building decent houses in decent communities. Applications are submitted annually to the governing body.

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.

This home ownership program supports low income families in attaining affordable permanent housing. The program partners with the family and volunteers to build a simple, decent home. Families are expected to complete 300 hours of sweat equity (volunteer labor) toward the building of habitat homes. Families must participate in an educational program. The home is sold to the family at a minimal cost with a no interest mortgage.

project:HOMES developes senior apartment communities and builds affordable homes. Help low-income and the elderly remain in their homes to comfortably age in place. Senior apartments include the William Byrd on Broad Street, Omni Park Place in Ashland and Parham Park Place I & II in Henrico.

Builds houses to help disadvantaged, low income families from sub-standard housing, who are willing to help build their own home as well as other homes. Homes are built by volunteers and homeowners, known as partner families. Homes are sold to partner families with a no interest mortgage. Habitat families are selected: 1) completion of application and credit report; 2) ability to repay zero-interest mortgage; 3) inability to obtain conventional financing for a home; 4) living in substandard housing or homeless; 5) meet income requirements and 6) agree to partner with affiliate.

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.

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.

This home ownership program supports low income families in attaining affordable permanent housing. The program partners with the family and volunteers to build a simple, decent home. Families are expected to complete 300 hours of sweat equity (volunteer labor) toward the building of habitat homes. Families must participate in an educational program. The home is sold to the family at a minimal cost with a no interest mortgage.

BHC owns, operates and develops affordable apartment communities in the Metro-Richmond region for modest-income families and senior residents. Free and voluntary resident support services help residents of our rental communities achieve greater health, economic and academic outcomes. BHC also encourages equity building by developing and selling single-family homes for first-time homebuyers.

A comprehensive housing program that helps homeless families with children in Virginia to find the resources needed to rebuild their lives.

Provides affordable housing to families and individuals that have significant barriers to stable housing, including poor credit, prior evictions and low-income. Does not offer emergency or subsidized housing; however provides low to affordable fair market value housing. Encourages participation in budget counseling, individualized case management to address structural barriers to long-term housing like poor credit histories, itinerant rental histories, and personal goals.

Helps individuals prepare for home ownership and purchase. Serves the counties of Greene, Madison and Orange. ACCESSIBILITY: Fully accessible to persons with disabilities.

Provides a First Time Homeowners program for Nelson County residents.

The GLHFH homeownership program supports low income families in attaining affordable permanent housing. The program partners with the family and volunteers to build a simple, decent home. Families are expected to complete 200-300 hours of sweat equity (volunteer labor) toward the building of Habitat homes. Families must participate in an educational program. The home is sold to the family with a no interest mortgage.

Builds houses to help disadvantaged, low income families from sub-standard housing, who are willing to help build their own home as well as other homes. Homes are built by volunteers and homeowners, known as partner families. Homes are sold to partner families with a no interest mortgage. Habitat families are selected: 1) completion of application and credit report, 2) ability to repay zero-interest mortgage, 3) inability to obtain conventional financing for a home, 4) living in substandard housing or homeless, 5) meet income requirements and 6) agree to partner with affiliate. Volunteers welcomed from all walks of life.

Provides affordable home ownership opportunities for qualified applicants.

Habitat DC-NOVA provides a "hand up" to homeownership through sweat equity, donor generosity, volunteer labor and interest-free mortgages.

Home ownership program supports low income families in attaining affordable permanent housing. The program partners with the family and volunteers to build a simple, decent home. Families are expected to complete 200-500 hours (requirement based on family size) of sweat equity (volunteer labor) toward the building of Habitat homes. Families must participate in an educational program. The home is sold to the family at a minimal cost with a no interest mortgage.

To provide eligible low-income families with assistance in purchasing their first home. Financial and Home Management counseling provided as well as down payment closing cost assistance, depending on income level.

Provides an organization devoted to building housing for the needy. Always looking for volunteers and donations.

Low-income individuals and families partner with Richmond Habitat to purchase a new or rehabbed home. Those purchasing from Richmond Habitat's program are required to partner with Habitat by volunteering on their home or the home of others in the program, volunteering at the ReStore and also attending educational classes. The program is an affiliate of Habitat for Humanity International; it shares its world wide goal of eliminating substandard housing. Families are selected on a non discriminatory basis and volunteers are welcome from all segments of the community.

Provides an affordable housing program that builds simple, decent homes in partnership with low-income families and volunteers. Homebuyer families purchase the homes with a no interest mortgage. The process to become a homeowner takes 2-3 years.

Habitat for Humanity uses tax-deductible donations of money and materials and volunteer labor to build or rehab homes in partnership with families who face significant challenges in becoming homeowners. Partner families are qualified based on their need for housing, their ability to pay for a mortgage, and their willingness to provide "sweat equity" volunteer labor. The family then purchases the home with a reduced rate mortgage and affordable terms for payment.