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, call 800-228-4167, or email us at fraud@virginiamortgagerelief.com.​

 

The VMRP helped with mortgage payments or other qualified home ownership-related delinquencies for homeowners who had a pandemic-related financial hardship and needed assistance. Financial hardship could have been due (but not limited) 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 have been 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.

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To have been deemed eligible, an applicant must have:

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• Owned a primary residence in Virginia;

• Experienced a pandemic-related financial hardship;

• Been delinquent on mortgage payments or other qualified housing-related expenses; and

• Owed less than $50,000 in mortgage arrears and/or other qualified housing expenses.

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What did VMRP cover?

If an applicant was deemed eligible for VMRP assistance and depending on funding availability, they may have received a mortgage reinstatement and/or coverage of eligible expenses (listed below) not to exceed $50,000 in total program assistance.​​

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• 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 were not eligible under VMRP.

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Please note: Applicants may not have received the full $50,000 depending on their eligibility and the availability of program funds.

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As of November 1, 2024, all VMRP-allocated funds have been fully disbursed.

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Helping Virginia Homeowners

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

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PROGRAM UPDATE: Effective November 1, 2024, the VMRP reached full disbursement of allocated U.S. Treasury funding and is permanently closed.

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VMRP applications were awarded on a first come, first served basis, with applicants at risk of foreclosure taking priority in the process. Applications submitted after May 3, 2024, that were not assisted were deemed ineligible due to lack of available funding. Application submission and conditional eligibility approval did not guarantee assistance.