Short-Term Mortgage Assistance Still Available to Help Virginia Beach Homeowners Impacted by COVID-19

Wednesday, November 04, 2020

​Low- and moderate-income Virginia Beach homeowners who have experienced loss of employment income due to COVID-19 and who are at risk of foreclosure are encouraged to apply for the City's Short-Term Mortgage Assistance program. The program provides eligible households with short-term assistance towards mortgage payments that were delinquent on or after April 1, 2020. Assistance is provided one time and payments are made directly to the mortgage company. The program does not provide rental assistance.

Eligibility Requirements:

  • 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 Household12 345678
80% AMI$46,200$52,800$59,400$66,000$71,280$76,560$81,840$87,120
  • Applicant impacted by COVID-19 must notify their mortgage servicer if they are unable to make mortgage payments and must provide documentation of the contact and the response of the servicing agency.
  • 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.
  • 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. Applicant must be able to provide supporting documentation.
  • Applicant must provide proof that they have applied for unemployment benefits.

How to Apply

To start the application process, residents must complete a quick, online questionnaire at www.vbgov.com/mortgageassistance to see if they meet the initial screening criteria. Full program details, terms and conditions are also available there. Residents who are unable to complete the online screening questionnaire should call (757) 385-5750 (or TTY: 757-711 Virginia Relay for individuals who are deaf or hard of hearing).

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