People fall behind on their mortgages for a variety of reasons. HOME's experienced HUD certified housing counselors will work with you and your lender to try to keep you from losing your home. HOME will help you analyze the problem and identify your options. If possible, we'll help you negotiate a plan with your lender that will result in bringing and keeping your mortgage current. If that's not possible, we'll help you figure out what to do next so that you are in the best position to buy another home when your situation changes. HOME works with lenders throughout the country, and if you are willing to do what is necessary to bring your loan current, most lenders will rely on HOME's recommendation and work with you. If you are currently behind on your mortgage or expect to have problems paying your mortgage and would like a HUD certified housing counselor to assess your situation and recommend options, Please contact us or go to our website.
Fair Housing Services
Fair Housing Specialists at Housing Opportunities Made Equal (HOME) are available to counsel both home seekers and housing providers on their rights and responsibilities under federal and state fair housing/civil rights laws. Individuals pursuing their rights are provided assistance when appropriate. HOME provides education and outreach services to industry representatives and consumers of the industry. These activities include the facilitation of workshops and trainings, production/distribution of publications, and networking with agencies and organizations across the state and nation. HOME also investigates allegations of discrimination in housing. When you contact HOME with a complaint (allegation) of discrimination, we will interview you to gather the necessary information for our investigation. HOME will assist you in determining the best course of action. HOME does not have attorneys on staff. For legal advice, please consult an attorney.
HOME recognizes that buying a home is one of the single largest purchases you will make and want you to understand the process to make good choices and decisions. It is our desire to help you with this major investment and we are convinced that comprehensive homebuyer education is an essential first step. We offer classes, counseling, and downpayment assistance for first time homebuyers. Please review our website for more details at www.HOMEofVA.org
HOME’s Center for Fair Housing protects the housing choices of all people by assisting and protecting victims of housing discrimination, investigating fair housing violations, and educating consumers and the housing industry.
HOME’s homeownership team helps families become successful, long-term homeowners through group education and individual counseling sessions that cover all aspects of buying, sustaining, and protecting their investment. Educating families on sound money management skills is another key component. Additionally, HOME’s down payment assistance helps families take an important step to building wealth and obtaining the American dream. Since 1991, over 2,000 families have received downpayment assistance for a total local economic impact over $95,000,000. Five years after purchase, 96 percent of our homeowners have successfully maintained their mortgages.
Foreclosure Prevention & Intervention
HOME’s foreclosure prevention and intervention program is the largest and most comprehensive program in Virginia. The level of expertise and sophistication of our staff have also made our program the most highly respected in the state. HOME’s trained foreclosure intervention specialists evaluate the situation of the borrower, collect essential data on the actual condition of their mortgage loan, and negotiate with lenders and servicers to develop an alternative to foreclosure that leads to a performing loan and keeps the borrower in their home. Since 1989, we have counseled more than 5,000 families. In the last five years, 85 percent of our clients have successfully avoided foreclosure.
Housing Research & Policy
HOME’s research team conducts meaningful, systemic fair housing research and presents statewide analyses and trends. As consultants, this team leverages HOME’s national reputation in fair housing, as well as our staff, to produce revenue for the organization while maintaining our mission focus. HOME’s policy endeavors create change in the housing systems that drive economic, educational, and social opportunities. HOME researches key housing issues and builds partnerships to help influence legislative measures at Virginia’s General Assembly.
Move to Opportunity Program
The Move to Opportunity Program is about doing just what its name suggests: helping families with Housing Choice Vouchers move to neighborhoods with better opportunities. Where you live impacts nearly every facet of your life, including where you work, where you shop for groceries, and where your children go to school. Simply being closer to your job, or having your children enrolled in a good school, can make all the difference in your quality of life. By working closely with landlords and by empowering voucher holders with the knowledge and tools to become a good tenant, we can help ensure voucher holders find a home in a neighborhood that is right for them and their family.