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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.

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.

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

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.

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

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.

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).

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

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.

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

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.

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.

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.

Provides affordable home ownership opportunities for qualified applicants.

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.

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.

Ecumenically Christian housing ministry. Build homes with low income families using volunteer labor. The families help build their own home and the homes of others in the program. They purchase their home at no profit with a no interest mortgage from Habitat. Their payments in turn help to build more homes.

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.

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).

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.

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

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.

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

Builds simple, decent affordable homes in partnership with low income families or individuals who live under less than acceptable conditions.