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Habitat for Humanity builds and sells affordable housing to low- and moderate-income families. Construction or renovation of each Habitat house is a cooperative effort between volunteers, house sponsors and the buyer(s) of the house. Participating families provide at least 300 hours (called sweat equity) toward building their own and other families' homes. Homes are purchased with a zero-interest equivalent, 20 to 30-year mortgage.

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.

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.

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

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

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.

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.

Low-income individuals and families partner with Richmond Habitat to purchase a new or rehabbed home. Those purchasing from Richmond Habitat's program are required to partner with Habitat by volunteering on their home or the home of others in the program, volunteering at the ReStore and also attending educational classes. The program is an affiliate of Habitat for Humanity International; it shares its world wide goal of eliminating substandard housing. Families are selected on a non discriminatory basis and volunteers are welcome from all segments of the community.

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

To provide eligible low-income families with assistance in purchasing their first home. Financial and Home Management counseling provided as well as down payment closing cost assistance, depending on income level.

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.

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.

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.

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.

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

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.

Building affordable homes for families in the City of Winchester and the counties of Frederick, Clarke, and Shenandoah. Homes are sold to partner families with a low interest mortgage. Habitat families are selected: 1) completion of application and credit report, 2) ability to pay mortgage, 3) inability to obtain conventional financing for a home, 4) living in substandard housing, 5) meet income requirements and 6) agree to partner with affiliate.

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

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.

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).

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

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.

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.

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 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.