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Virginia Mortgage Relief

Eligibility Information

If you believe you were approached by non-VMRP representatives offering VMRP-related financial assistance, charging a fee for application assistance, or requesting your personal information, please submit a Fraud, Waste and Abuse Allegation Reporting Form or call 800-228-4167.

Am I eligible? The Virginia Mortgage Relief Program, or VMRP, may be able to help with mortgage payments if you have had a pandemic-related financial hardship and need help with specific housing expenses. Financial hardship can be due to job loss/business closure, reduction in hours or pay, difficulty obtaining new employment, death of a spouse or co-borrower, or increased expenses due to the pandemic. Increased expenses could be due to health care, the need to care for a family member, increased childcare costs due to school closures, or increased costs associated with quarantine.

Answer the questions below to see if you might be eligible:

  • Do you own a primary residence in Virginia?

  • Have you experienced a pandemic-related financial hardship?

  • Are you behind on your mortgage payments or other qualified housing-related expenses?

  • Do you owe less than $50,000 in mortgage arrears and/or other qualified housing expenses?

If you answered “yes” to these questions, you may be eligible for assistance. If you’re not eligible for this program, you can find additional resources available here.

What does VMRP cover?

PROGRAM UPDATE: As we begin to approach full disbursement of allocated U.S. Treasury funds, the VMRP will no longer accept applications, beginning October 1, 2023.

If you are deemed eligible for VMRP assistance and depending on funding availability, you may receive a mortgage reinstatement and/or coverage of eligible expenses (listed below) not to exceed $50,000 in program assistance.


Please note, applicants may not receive the full $50,000 depending on their eligibility and the availability of program funds. Eligible applications submitted prior to October 1, 2023, will be processed based on remaining funding availability, with applicants at risk of foreclosure taking priority in the process.

  • Mortgage payment assistance on first and subordinate mortgages, including down payment assistance loans provided by nonprofit or government entities.

  • Financial assistance to allow a homeowner to reinstate a mortgage or to pay other housing-related costs related to a period of forbearance, delinquency or default.

  • Homeowner’s insurance, flood insurance and mortgage insurance.

  • Homeowner’s association fees or liens, condominium association fees, special assessments or common charges.

  • Payment assistance for delinquent property taxes to prevent homeowner tax foreclosures.

  • Personal property taxes and, in some cases, lot rental fees on unaffixed mobile homes. However, applications for lot rent only are not eligible under VMRP.

VMRP Application Checklist: Please review the list of documents you’ll need to submit with your VMRP application. Get the Application Checklist

Helping Virginia Homeowners

Understanding the financial hardship caused by the COVID-19 pandemic, VMRP is helping Virginia families recover and remain in their homes. Read firsthand accounts from applicants on how VMRP impacted their lives.

Ready to Apply?

Our team looks forward to helping you throughout the application process. Please note there are never any costs associated with applying for VMRP assistance. Apply or log in to your account using the buttons below:

Need Application Assistance?

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 and Newport News, and have appointments available Monday through Friday from 8 a.m. – 4:30 p.m. EST/EDT. Please note VMRP Assistance Centers located in Arlington and Newport News will be closed for in-person assistance starting November 1, 2023. Our Richmond office will be closed for in-person assistance on November 17, 2023.

Want to Appeal Your Eligibility Determination?

If you disagree with the decision the Program made regarding your eligibility for VMRP assistance, you may file an appeal. You must file your appeal within15 days of issuance of the “Notice of Ineligibility.”


After submitting your appeal, the Program may need to contact you for additional supporting documentation depending upon your individual situation. Such supporting documentation may include items such as property records, billing statements, or other documents necessary to support a determination of eligibility for Program assistance. You will be notified if additional documentation is required.


You may not appeal Program policies that are approved and used by the Program, such as income requirements or any statutory and regulatory requirements/ guidelines or requirements issued by the U.S. Department of Treasury’s Homeowner Assistance Fund Guidance.


How to Appeal: You may submit an appeal online, by phone, at a VMRP center, email, or mail. If you have any questions regarding the appeal process and/or require additional assistance, please contact the VMRP Call Center at 833-OUR-VMRP (833-687-8677).

Online: Please click the link here to access the online VMRP Appeal Form.


Phone: If you are unable to file an appeal online, you may contact us at VMRP Call Center at 833-OUR-VMRP (833-687-8677) (Monday – Friday, 8 a.m. to 8 p.m. E.S.T.) to speak with a Program representative who will assist in filing the appeal on your behalf.


In person: If you would rather schedule an in-person meeting with a Case Manager to file your appeal, please contact VMRP Call Center at 833-OUR-VMRP (833-687-8677) to schedule an appointment. A VMRP Case Manager will be happy to meet with you to assist with filing your appeal.


Email: If you prefer, you may fill out and send the Appeal Form and any supporting documents via email to Please click here for a downloadable version of the appeal form.


Mail: If you are unable to file an appeal through other means, we will accept a mailed Appeal Form and supporting documents. Please click here to access a downloadable version of the appeal form for you to print, complete, and mail to:

IEM – VMRP Appeals Department

2550 S. Clark Street, Suite 670

Arlington, VA  22202

Beware of Scams!

Please beware of potential scams. Mortgage scams target homeowners, especially people who are currently looking for assistance making mortgage payments. Foreclosure rescue scams became prevalent during the pandemic and put homeowners seeking help at risk. It is important to understand these types of scams and how to avoid them.

There are never any costs associated with applying for VMRP. All VMRP representatives are available to you for free assistance, including your assigned case manager or the VMRP Call Center, to support your application submission. To ensure any VMRP communications you received are legitimate and trustworthy, you can contact the VMRP Call Center at 833-687-8677, Monday through Friday from 8 a.m. to 8 p.m., to verify.

If you believe you were approached by non-VMRP representatives offering VMRP-related financial assistance, a fee for application assistance, or requesting your personal information for the Virginia Mortgage Relief Program, please submit a Fraud, Waste and Abuse Allegation Reporting Form or call 1-800-228-4167.

For more information about mortgage scams, visit the Federal Trade Commission or the Consumer Financial Protection Bureau.

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