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 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.

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.

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.

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.

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.

Habitat builds safe and decent homes with families using donated funds and materials, along with paid and volunteer labor and materials. The families purchase their homes with an affordable mortgage financed through Habitat.

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.

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.

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.

Building affordable homes for families in the City of Winchester and the counties of Frederick, Clarke, and Shenandoah. Homes are sold to partner families with a low interest mortgage. Habitat families are selected: 1) completion of application and credit report, 2) ability to pay mortgage, 3) inability to obtain conventional financing for a home, 4) living in substandard housing, 5) meet income requirements and 6) agree to partner with affiliate.

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).

Building affordable homes for families in the City of Winchester and the counties of Frederick, Clarke, and Shenandoah. Homes are sold to partner families with a low interest mortgage. Habitat families are selected: 1) completion of application and credit report, 2) ability to pay mortgage, 3) inability to obtain conventional financing for a home, 4) living in substandard housing, 5) meet income requirements and 6) agree to partner with affiliate.

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.

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.

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.

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.

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.

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

Provides economical homes to own or rent and related supportive services to low-income individuals and famlies.