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 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.

An ecumenical, Christian housing ministry that seeks to eliminate substandard housing by building homes for low-income families. Affiliates employ a combination of volunteer labor, sweat equity and tax-deductible monetary and material donations to build the homes. Financing is through loans which are deposited into a fund that supports the construction of additional homes. SAW Habitat for Humanity also provides for critical home repairs.

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.

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.

Provides a First Time Homeowners program for Nelson County residents.

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.

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.

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

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.

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.

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.

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.

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.

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.

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

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.

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

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. Also provides ReSale store selling new and gently used items. For more information please call: Lexington - (540)464-4663 Buena Vista - (540)261-5042

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.

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

Administers federal and state rental subsidies, housing rehabilitation grants, and numerous other general and neighborhood housing programs. Staff members assist citizens with: Emergency Home Repair and Accessibility Program Housing Choice Voucher Program (Section 8) Housing Rehabilitation Indoor Plumbing Rehabilitation Program Information and Referral USDA - Rural Development Grants USDA - Rural Development Loans Utility Connection Fee Assistance

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

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.