Provides support and resources related to different housing situations: pre- and post-purchase, mortgage default counseling, rental counseling, fair housing, and homelessness. Housing counselors will listen to the situation; whether the person is renting or buying a home. Can speak with landlords or mortgage companies and help find local resources. Offers Renter Education Classes. Free Renter Education Workshops are held monthly in the NRV. Topics covered: Renter & Tenant Rights and Responsibilities Fair Housing Laws The Eviction Process Energy Savings Tips Financial Tips

Provides direct loans to borrowers who cannot obtain financing elsewhere. They must have good credit and meet reasonable underwriting criteria. Loans are for home ownership opportunities and assistance to low-income households to purchase, construct, and repair a home. Loans can be up to 100% loan to value ratios. Qualified individuals may be eligible to receive payment assistance which may reduce their payment from the established note rate of interest. SEE RURAL DEVELOPMENT WEBSITE FOR ELIGIBLE RURAL AREAS.

Offers no-interest, deferred repayment loans to assist low-income home buyers with down payment and closing costs for the purchase of a home in the City. Applicants may also be eligible for the CHRP Program, which reduce Virginia Housing Development Authority (VHDA) mortgages 1% lower than VHDA's published First-Time Homebuyer mortgage interest rate.

This program provides low-interest loans for homebuyers, down payment and closing costs assistance, home repair loans and a Homeownership Education Program. Staff also provides housing counseling which includes budget and credit counseling, mortgage default and foreclosure counseling, Fair Housing counseling, and financial management.

Webinars/workshops on the home purchase process; how to prepare for a loan application; DC loan programs, resources to assist you in your housing search, and tenant rights.

Housing Counseling assists first-time homebuyers with purchasing a home and provides foreclosure prevention services to current homeowners in danger of losing their home.

The Homeownership Counseling Program focuses on helping low to moderate income residents build their financial capability skills, establish or repair their credit, purchase their first home, or save their homes from foreclosure.

This 12 month program will enroll members who have a goal of home ownership. The club will assist customers in planning for home ownership. Club activities will include financial planning, credit repair, mortgage education, home maintenance.

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

Offers a variety of HUD counseling services to community residents including budget, credit, homeownership, and rental counseling.

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 information on homeownership, homeownership education, homeownership counseling sessions, opportunities to meet with lenders, applicant briefings, and coordination of resources for current and prospective first-time homebuyers. Income restrictions apply.

Helps qualified low income families become homeowners. Provides training in budgeting, credit and homeownership skills. Also participates in the Regional Loan Fund program for reduced interest rate mortgage funds and federal grants for down payment assistance. Serves the residents of all five counties of the Rappahannock-Rapidan District. In Madison, Culpeper, Orange and Rappahannock counties. In Madison, Culpeper, Orange and Rappahannock counties, contact Jackie Sill at 540-341-2805

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.

A HUD approved Housing and Financial Counseling agency providing counseling in the areas of rental, home purchase, credit management, debt reduction and foreclosure avoidance. CCC also offers classes on financial management, managing your credit, the home buying process, your rights and responsibilities as a renter, Fair Housing laws and foreclosure prevention.

The First-time Homebuyer Program offers homeowner education classes, credit report reviews and housing counseling to assist County residents and local workforce in purchasing safe, decent, affordable housing. The program also assists qualified buyers with down payment and closing cost assistance and in designated areas offers low-interest rate financing. HRPDC HOME down payment assistance funds are available to assist with purchases of homes throughout the County. The Community Homeownership Revitalization funds are available to purchase attached and detached single-family homes in designated revitalization areas. The Community Homeownership Revitalization Program sets aside funds for permanent financing with an interest rate 0.5% below VHDA's prevailing rate at the time the lender locks in the loan.

Educates consumers about the process of buying a house, picking a mortgage and payments that can meet their budgets, and the legalities and protections available to homebuyers. Meets the qualifications for VHDA first-time homebuyers workshop requirement.

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.

Virginia Housing offers homebuyer education classes online or in-person.

Administers the HOMEownership Down Payment Assistance Program that assists low income, first time home-buyers with grants to cover closing costs and housing payments. Also administers the SPARC Program which provides lower interest mortgages. Programs we currently provide... Pre-purchase Counseling HOMEownership Down Payment Assistance Program (HDPAP) Homeownership Education Classes.

A HUD approved Housing and Financial Counseling agency providing one-on-one counseling in the areas of rental, home purchasing, credit management, debt reduction and foreclosure avoidance. Also offers classes on financial management, managing your credit, the home-buying process, rights and responsibilities as a renter, Fair Housing laws and foreclosure prevention.

Homeownership opportunities are available to assist First-Time Homebuyers purchasing a home in the City of Richmond and Henrico County. Down Payment and Closing Cost Assistance is available.

Cornerstones provides First Time Homebuyer Classes; participants will receive a Certificate valid for two years to apply for the affordable housing programs in Virginia and access down payment assistance grants from Virginia Housing. The classes are free, but registrations are required.

Teaches first-time homebuyers about the mortgage approval process, credit reports, credit scores, personal budgets, insurance costs and closing costs.

HUD Certified Housing Counselors provide anyone pursuing the homeownership dream with all the necessary information, financial evaluation, and guidance to achieve their housing goals. Also, Housing Counselors help them to understand their options and assist in becoming "mortgage ready" by helping them to improve their credit and manage their budget and debt.