Resources for Homeowners

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Virginia Housing has launched the Virginia Mortgage Relief Program, to provide homeowners with assistance to prevent and/or ease mortgage delinquencies, defaults, foreclosures and displacement of homeowners experiencing financial hardship due to the pandemic. Learn More

Mortgage forbearance: If your loan is backed by HUD/FHA, USDA or VA, you may request an initial COVID hardship forbearance as long as the COVID-19 National Emergency is in place. If your loan is backed by Fannie Mae or Freddie Mac, there is not currently a deadline for requesting an initial forbearance. You must contact your loan servicer to request forbearance. Learn More

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The Consumer Financial Protection Bureau (CFPB) explains what you should know about mortgage forbearance.

A number of protections for homeowners have been put in place, including forbearance for those unable to make their mortgage payments because of COVID-19. If that’s your challenge right now, here are the steps you should take.

If You Can’t Pay Your Mortgage:

  • Know your rights and contact your lender: It’s important to get in touch with your lender immediately if you expect to be late or unable to make your monthly mortgage payment.


  • Be prepared to repay what you owe: Understand that mortgage forbearance is not mortgage forgiveness — meaning you still have to pay back what you owe.


  • File for unemployment: Workers whose jobs were halted because of COVID-19 are likely eligible for unemployment benefits.

  • If your property is insured by a Federal Housing Administration (FHA) home mortgage, contact your lender as you may be eligible for special COVID-19 mortgage payment relief options.

  • If you have a home loan from Virginia Housing (VHDA) and have been financially impacted by COVID-19, please visit our COVID-19 webpage for important information.

Managing Your Debt:

If you have debt, you should pay it off in the following order, as a general rule:

  1. Mortgage payments

  2. Outstanding utility bills

  3. Car payments

  4. Other outstanding debt

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Notice to Homeowners Seeking Weatherization Assistance from DHCD:

If you’re a homeowner seeking Weatherization Assistance from the Department of Housing and Community Development (DHCD), please note that for the safety of clients and workers, most, if not all, weatherization subgrantees have temporarily shut down all in-home weatherization work. Offices are generally closed to the public, and administrative staff are working remotely. If you need to apply for weatherization assistance, please contact the weatherization agency that serves your region.