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.

Build homes in partnership with lower income families 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 low interest mortgage. Habitat families are selected by: 1) completion of application and credit report; 2) ability to repay 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.

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.

Provides affordable home ownership opportunities for qualified applicants.

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

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.

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.

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.

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.

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.

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.

Home ownership opportunities are available for low-income families who can repay a zero-interest mortgage on a home priced at cost (well below market price).

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.

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

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.

Provides affordable houses using volunteer and prospective homeowner labor and donations of money and materials from churches, corporations, groups and individuals. Homes are sold to limited-income families at no profit and are financed through low interest loans. More information on this program at loudounhabitat.org.

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).

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.

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.

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.

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 faith-based housing provider whose purpose is to empower residents of Harrisonburg, by creating a community of fairness, justice and hope through the acquisition of safe, decent and affordable housing. Primary Population Served: Those with income below 80% of the median income. Service Provided: Single family affordable housing production and counseling.

Provides a First Time Homeowners program for Nelson County residents.