Relief Programs

Are you a Virginia Housing homeownership loan customer who has been financially impacted by COVID-19?

We strongly encourage you to use our resources for self-servicing and 24/7 account access. You can access your account at your convenience. It’s easier and faster to manage your account digitally, as call wait times will be longer than usual.

1. If you have been financially impacted by COVID-19, what type of assistance can you receive?
   
   If you have experienced a financial hardship due to COVID-19, please send an email to Care@VirginiaHousing.com that includes your contact information. Your account will be placed on a forbearance plan until there is a change in your financial status. Virginia Housing will send you a letter of confirmation once we have processed your request.


2. Log in to manage your mortgage at: VirginiaHousing.com/ManageYourMortgage.
   
   From here you can make payments, make account updates and send us secure messages.

COVID-19 impacted borrowers who are able to resume making your monthly mortgage payments are requested to complete the following attestation forms:

• If you have an FHA or USDA loan
• If your loan is not an FHA or USDA loan
• Forbearance Expiration video
  

  
  

Homeowner Resources

• Virginia Mortgage Relief
  
• HUD resources for homeowners

 

Frequently Asked Questions




Q: Does Virginia Housing have staff available to assist customers?

A: We have limited staff available to receive customer phone calls. We are following the Centers for Disease Control and Prevention (CDC) guidelines to keep our employees healthy and provide enhanced cleaning procedures in our office. This includes social distancing. You will experience a longer than usual wait time, due to the decreased number of call center staff. For a faster response to your questions, you may log in to manage your mortgage at: VirginiaHousing.com/ManageYourMortgage.

 

Q: Can I make my payments electronically?

A: Yes, we encourage you to make your payments electronically to avoid any delays with mail. The easiest way to pay electronically is online: VirginiaHousing.com/ManageYourMortgage.

We also accept electronic payments via phone at 800-235-6938, press option 2.





Q: If I am unable to pay my mortgage loan during the COVID-19 crisis, will Virginia Housing report negatively to the credit bureaus?

A: No, Virginia Housing will not negatively report to the credit bureau agencies while a borrower is active within a COVID forbearance plan. Click below to learn more about federal assistance:

• FHA Insured Loans: Extensions and Expansions of COVID-19 Homeowner Relief
• FNMA Loans: Extended COVID-19 Forbearance Period, Foreclosure and Eviction Moratoriums
• USDA/RD Loans:  Foreclosure Moratorium and Mortgage Forbearance Deadline Extension
• VA Loans: Approving Forbearance Requests for Veterans Affected by COVID-19
• VA Loans: Extended Foreclosure and Eviction Relief for Borrowers Affected by COVID-19

 

Q: Will my account accrue late charges while I am active in a COVID Forbearance Plan?

A: No.

The Virginia Mortgage Relief Program provides 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. Learn more at VirginiaMortgageRelief.com