Virginia Mortgage Relief
Struggling to pay your mortgage due to COVID-19?
Assistance is now available for Virginia homeowners.
Virginia Housing is pleased to announce the launch of the Virginia Mortgage Relief Program, or VMRP, to provide assistance to homeowners experiencing financial hardship due to COVID-19, to help prevent and/or ease mortgage delinquencies, defaults, foreclosures and displacement. Financial hardship could include an increase in living expenses, childcare, change in household size, job loss or reduction in income, etc.
If you are a homeowner seeking assistance, visit our Eligibility page to review VMRP eligibility requirements, what is covered by VMRP, and a list of all required documents necessary to complete your application.
Apply for mortgage relief today:
If you are unable to register online or need assistance, please contact the VMRP Call Center from 8 a.m. – 8 p.m. EST/EDT, Monday through Friday: 833-OUR-VMRP (833-687-8677).
For in-person help, contact the Call Center to schedule an appointment at a VMRP Assistance Center near you. VMRP offices are located in Arlington, Richmond, Wytheville and Newport News, and have appointments available from 8 a.m. – 4:30 p.m. EST/EDT.
What is HAF? The Homeowner Assistance Fund (HAF) is intended to support homeowners facing housing instability resulting from the COVID-19 pandemic. The Commonwealth of Virginia received approximately $250 million in American Rescue Plan Act funds through the U.S. Department of the Treasury to launch the Virginia Mortgage Relief Program to keep Virginians safe at home.
Effective March 17, 2022, the maximum amount of assistance to eligible Virginia homeowners is $40,000 with no cap on the number of months past due. Homeowners experiencing a financial hardship due to COVID-19 after January 21, 2020, with a delinquency amount of $40,000 or less may now be eligible for assistance. Applicants who were previously deemed ineligible due to the original program cap policy should contact a program representative at 833-OUR-VMRP (833-687-8677), Monday through Friday, from 8 a.m. – 8 p.m. to begin the appeal process.
Housing Assistance Fund Program
View the public hearing recording from August 5, 2021.