Help with a mortgage and foreclosure prevention programs in Virginia.
Find assistance with paying mortgage to stop a foreclosure in Virginia, including in the cities of Norfolk, Virginia Beach, and northern VA. In addition to the state offering relief and non-profit organizations in the region offering counseling, grant money to help pay a mortgage which are listed below, homeowners have other options. Find details on mortgage assistance programs near you in Virginia.
The goal of the organizations is to prevent a struggling homeowner from losing their home. Low-income families can get mortgage help in the form of legal aid, home loan modifications, as well as access to federal or state of VA mortgage relief programs. The resources available are wide ranging.
Statewide mortgage relief programs in Virginia
Federal government certified counseling agencies in Virginia offer a wide variety of programs that help struggling homeowners. It can be refinancing, FHA loans, grant money and more. The federal government HUD department has approved several non-profits in Virginia. Contact one of these non-profit organization to receive free or low cost housing counseling and foreclosure prevention advice. More on Virginia free HUD agencies.
Virginia has many veterans and active duty military members, with government mortgage assistance offered for vets from the Veteran Administration. The VA partners with banks, lenders, and HUD organizations to provide help to struggling veterans (or their families). There programs that pay delinquent home loans, help with refinancing, FHA loans and even help people get a mortgage, and call (877) 827-3702.
Virginia Housing (formerly Virginia Housing Development Authority) helps people looking to buy a home as well as assists current homeowners that are facing financial difficulties. The programs are extensive, with one of the primary ones being the Borrower's Assistance Program which helps struggling families or people qualify for home retention, government mortgage relief or loss mitigation options. They also offer free housing counseling to help homeowners that are struggling, and this service can be a form of foreclosure prevention. More details are here. https://www.virginiahousing.com/en.
Local city and county resources in Virginia that help low-income families with a mortgage
Free foreclosure prevention in the Blue Ridge Virginia area is available. The HUD approved organization offers a number of housing solutions. Homeowners in the Blue Ridge section of Virginia can receive foreclosure counseling, applications to government grants (which can help pay mortgage or even rental arrears) and more from the Blue Ridge Housing Network. Specialists and counselors will advise borrowers on what programs they may qualify for. Click here to learn more on the Blue Ridge Housing non-profit agency.
Virginia community action agencies provide emergency financial help, including funds that can help pay a mortgage. There are dozens of offices around the state, and the non-profits combine both private resources with government grants. The organizations combine long term support (budgeting, credit repair, job training, etc.) with any form of mortgage relief funds, and learn more on Virginia community action mortgage assistance programs.
Additional programs in Virginia for people behind on their mortgage
When economic conditions warrant (either in Virginia or nationwide), several other mortgage assistance programs are often available. These are only generally offered from time to time though, based on funding and economic conditions. Some of those resources include the following.
- When the unemployed rate in Virginia “spikes”, the federal government’s HUD agency often provides extra funds to homeowners in Virginia who have lost their jobs or who have had a reduction in income. This can help you pay your home loan and provide people time to find a new job. Read more on Virginia Emergency Homeowner program.
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