Virginia Mortgage Relief

Eligibility Information

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. To learn more, watch this video.


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 $40,000 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?


  • 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 but may be under the Virginia Rent Relief Program (RRP, formerly known as RMRP). Learn More About RRP

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

Ready to Apply?

Our team looks forward to helping you throughout the VMRP application process. Apply or log in to your account using the buttons below:

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 (coming soon) and Newport News, and have appointments available Monday through Friday from 8 a.m. – 4:30 p.m. EST/EDT.

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 650

Arlington, VA  22202