Support for Housing Providers in Virginia Disaster Recovery
HUD is coordinating closely with Public Housing Agencies (PHAs), local governments, and multifamily property owners to ease the recovery process in Virginia.
- Available housing data is shared with FEMA and the state to identify units for displaced residents.
- PHAs can request waivers and regulatory flexibility to speed up local response.
- Programs impacted include Housing Choice Vouchers, Public Housing, and Project-Based Rental Assistance.
- Navigate Affordable Housing Partners, as Virginia’s PBCA, is ready to support owners and agents managing HUD-assisted properties.
To be eligible for waivers, PHAs must be in a Presidentially Declared Major Disaster area and submit requests within four months of the declaration. View the latest guidance in PIH Notice 2021-34 (PDF) and the Federal Register Disaster Relief Notice.
HUD Loan Programs Drive Virginia Disaster Recovery
Rebuilding homes is central to Virginia disaster recovery, and HUD’s loan programs provide immediate solutions.
- Section 203(h) – Mortgage Insurance for Disaster Victims This program offers 100% financing, including closing costs, for those whose homes were destroyed or significantly damaged.
- Section 203(k) – Rehabilitation Mortgage Insurance Allows individuals to purchase or refinance and repair homes using a single loan. Homeowners may also finance repairs for their existing properties.
These tools offer a lifeline to those without insurance or sufficient savings. Visit the FHA Disaster Relief site for complete details.
Foreclosure Relief and Mortgage Flexibility
To protect homeowners during recovery:
- A 90-day foreclosure moratorium applies to all FHA-insured mortgages in affected areas.
- Home Equity Conversion Mortgages receive an automatic 90-day extension.
- Conventional borrowers may qualify for additional relief from their servicer.
Call the FHA Resource Center at 1-800-304-9320 for guidance or visit the FHA Disaster Relief site.
Grant Flexibility for Community Development Programs
HUD’s Community Planning and Development (CPD) grantees in Virginia may request administrative relief. Eligible programs include:
- Community Development Block Grant (CDBG)
- HOME Investment Partnerships
- Housing Trust Fund
- Emergency Solutions Grants (ESG)
- Continuum of Care (CoC)
- HOPWA (Housing Opportunities for Persons With AIDS)
Waivers help local governments quickly shift resources for disaster relief. To begin the process, contact the Richmond CPD Field Office.
Housing Counseling and Fair Housing Support
Recovery includes protecting residents’ rights and helping them make informed decisions.
- HUD-approved housing counseling agencies are offering free support. Counseling is available regardless of mortgage type. Call 1-800-569-4287 or find a counselor online.
- Residents experiencing discrimination during housing searches or recovery can contact HUD’s Office of Fair Housing and Equal Opportunity at 1-800-669-9777 or file a complaint online.
Our Commitment to Virginia
Navigate Affordable Housing Partners is the PBCA for Virginia. Visit our Resource Center and Agents page or contact us for guidance on HUD relief tools and recovery programs.
