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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.

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.

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

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.

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.

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

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.

The GLHFH homeownership 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 200-300 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 with a no interest mortgage.

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

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

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.

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.

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.

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 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.

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 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.

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.

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.

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.

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.

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.

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.