Short-Term Mortgage Assistance Program

Families and individuals experiencing homelessness or in imminent danger of losing their housing should, as always, call the Regional Housing Crisis Hotline, (757) 227-5932, Monday through Friday, 8 a.m. to 7 p.m. Referrals will be conducted by phone.
The Short-Term Mortgage Assistance Program is available to help prevent the foreclosure of eligible low- and moderate-income homeowners in Virginia Beach who have experienced loss of employment income due to COVID-19. The program provides eligible households with short-term assistance to pay mortgage payments that were delinquent on or after April 1, 2020. Households with a federally backed mortgage (FHA, VA, Fannie Mae, or Freddie Mac) are not eligible for assistance through this program. Assistance is provided one time and payments are made directly to the mortgage company. This program does not provide rental assistance.

Please refer to the eligibility requirements and full program details below to see if you are eligible for assistance.

All housing assistance programs are subject to availability of funding, program guidelines, regulations and requirements, and income guidelines as prescribed by the U.S. Department of Housing and Urban Development (HUD), which are subject to change at any time at the discretion of HUD and may affect applicant eligibility and or benefits.

Eligibility Requirements Include:


  • Household's total gross annual income cannot exceed 80% of the Area Median Income (AMI), adjusted for family size, as established by the U.S. Department of Housing and Urban Development (HUD), at the time of application (see chart below). 
​# of Persons in Household
​1
​2
​3
​4
5​​6
​7
​8
​80% AMI
​$46,200
​$52,800
​$59,400
​$66,000
​$71,280
​$76,560
$81,840​​$87,120
Income guidelines effective as of July 1, 2020
  • All owners of record on the deed must be occupants of the eligible property, have their income verified, and will be considered applicants.
  • Applicant cannot own any other real estate and must be the owner-occupant of the residence.
  • Applicant impacted by COVID-19 must notify their mortgage servicer if they are unable to make mortgage payments and must provide documentation that their loan servicer is not offering a long-term forbearance option as is available to federally backed mortgages.  Households with federally backed mortgages (FHA, VA, Fannie Mae, or Freddie Mac) are not eligible for this assistance.
  • The applicant's inability to pay their mortgage on the eligible property must be due to the impact of COVID-19 that resulted in loss of their job or significant reduction in work hours or employment benefits, and must be able to provide supporting documentation.
  • Applicant must provide proof that they have applied for unemployment benefits.

Click here for full program details, terms and conditions.

How to Apply

To start the application process, you must complete the following pre-screening questionnaire below. It may take a few seconds to appear.  If you are unable to complete the online screening questionnaire, please call (757) 385-5750 (or TTY: 757-711 Virginia Relay for individuals who are deaf or hard of hearing).

** Due to significant demand and inquiries about the program, response times may be several business days.

Contact Information