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Offers a local affiliate of Habitat International which is a world-wide ministry dedicated to providing decent, affordable homes to all people. Homes will be built with donations of time, money, and materials from many volunteers.

Serve individuals and families through affordable homeownership and affordable repairs. To be considered for the program, applicants must have a demonstrated need for an improved housing situation, be able to pay an affordable mortgage or affordable repair loan, and be willing to parnter with Habitat by volunteering as able.

Home repair, nuisance code enforcement, and commercial facade loan program.

Hanover and King William Habitat for Humanity help prospective individuals prepare for the various responsibilities of homeownership, including learning about personal finances, mortgages, maintenance and upkeep of homes, and so much more.

Provides mortgage money to persons of low to moderate incomes to become home owners of modest homes.

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.

Habitat for Humanity builds and sells affordable housing to low- and moderate-income families. Construction or renovation of each Habitat house is a cooperative effort between volunteers, house sponsors and the buyer(s) of the house. Participating families provide at least 300 hours (called sweat equity) toward building their own and other families' homes. Homes are purchased with a zero-interest equivalent, 20 to 30-year mortgage.

Provides an ecumenical Christian housing ministry whose objective is to eliminate poverty housing and to make decent shelter a matter of conscience. A family selection committee evaluates applicant families on the basis of housing need, ability to pay loan, residency in service area and willingness to partner with Habitat. Volunteers welcomed from all walks of life.

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.

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.

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.

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.

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.

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 ecumenical Christian housing ministry which seeks to eliminate poverty housing by building decent affordable homes for qualified low-income families to purchase and live in. Volunteers welcomed from all walks of life.

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.

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.

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.

Provides financial assistance to low income families for home owner opportunities for single or multi-family housing. Provides rural utilities assistance and community programs.

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

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 a First Time Homeowners program for Nelson County residents.

This homeownership program supports low income families in attaining affordable homeownership. The program partners with families and volunteers to build decent, affordable homes. The home is sold to the family with a no interest mortgage. Families are expected to complete a minimum of 300 hours of sweat equity (labor) toward the building of homes. Families must participate in educational programs, fundraising, building, etc. Applicants must show ability and willingness to pay the mortgage payments.