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Struggling to pay your mortgage? Learn more about relief programs.

Borrower’s Assistance Program


If you are concerned about making your mortgage payment, our Borrower’s Assistance Program will determine if you qualify for one or more of our Home Retention or Loss Mitigation options.

Borrower’s Assistance Program

  • How to Apply

    Download our Borrower’s Assistance Package and complete all the pages in the package. Pages one and two will detail the additional information and documents that will be required to send to us.



    Sign the forms and mail to:

    Virginia Housing
    Attn: Loss Mitigation Department
    P.O. Box 4627
    Richmond, VA 23220

    Or, send the forms via fax or email:
    Fax: 804-343-8680
    Email: LossMitigation@VirginiaHousing.com


  • What to Expect

    Upon receipt of your Borrower’s Assistance Package, we will review the documentation and notify you of any additional documentation that is required. You will be notified once your documentation is complete and your Virginia Housing point of contact has been assigned.

Have questions about our loss mitigation process? Contact us at 888-756-8603