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Financial Education The FLHF has three education programs: Budgeting and Credit Reports On the Path to Home Ownership First Time Homebuyer The FLHF works with you to evaluate budgeting, credit history and finances to improve your credit score and increase financial knowledge to move renters into home ownership. We provide help with applications for down payment assistance and HUD Counselors to obtain an affordable mortgage. There are local and state programs that offer assistance and we can provide help in finding them. Wherever you are on your path to financial education and creating a better future, we are here to help. Click here to apply Follow these steps: ​ 1. Fill out the First Time Homebuyers Client Intake Form ​ Gather the necessary information, such as income and expenses and references ​ Print out and complete the intake form following the instructions 2. Submit the Intake Form The intake form cannot be submitted online ​ Print it out and mail or bring it to the Foundation at 144 Resource Lane, Louisa VA 23093 ​ Call our office at (540) 967-3483 with any questions Meet with Foundation staff every three months Receive counseling on repairing or building credit, increasing savings and improving your financial position. Talk with our network of real estate professionals, mortgage brokers, appraisers and home inspectors. Set goals to lead you down the path to home ownership. Be prepared to purchase your home at the end of the year! ​ The Foundation is currently creating educational programs for first-time homebuyers. In these programs you’ll learn about mortgages, credit, types of homeownership and everything else you need to know to become a homeowner.

Access Ramps If you require an access ramp and do not have the funds to purchase one on your own, we can help. The Foundation provides loaner ramps, or you can buy an aluminum ramp and utilize the 40% FLHF discount. These ramps are not permanent and can easily be installed and removed, then used in another location. ​ If you need more permanent access, the Foundation can help you buy the materials for a wood ramp. We work with a variety of volunteers to help build them. Click here to apply Click here if you live in Fluvanna County Click here if you live in Louisa County Follow these steps: ​ 1. Find out if you are income-qualified ​ (Fluvanna County is considered part of the Charlottesville area for determining AMI) Aluminum: can be moved when no longer needed Wood: for more permanent use 3. Fill out the Service Request form (You do NOT need to be the homeowner to have a ramp installed, but you do need the homeowner's permission!) 2. Know what type of ramp you need Complete the form online Print it out and mail it to the Foundation ​ You may also call our office at (540) 967-3483 with this information

Housing Choice Vouchers The housing choice voucher program is the federal government's major program for assisting very low-income families, the elderly, and the disabled to afford decent, safe, and sanitary housing in the private market. Under this program: A family issued a housing voucher is responsible for suitable housing of their choice, where the owner agrees to rent under the program Housing may be a single-family home, a townhouse, or an apartment, as well as the family’s current home Rental units must meet minimum standards of health and safety, as determined by the VA Housing Choice Voucher Program Families pay 30% of their income toward rent and utilities with the voucher assisting with additional cost The Virginia Housing Choice Voucher Program receives federal funds from the U.S. Department of Housing and Urban Development (HUD) The Fluvanna-Louisa Housing Foundation then applies for and administers these vouchers locally Click here to learn more Currently, none of VHDA's voucher program waiting lists are open, and applications are not being accepted at this time. For more information on the Housing Choice Voucher Wait List click here: For more information on the Housing Choice Voucher Program click here: Housing Choice Voucher Program HCVWaitList@vhda.com

We are dedicated to serving our neighbors Help us help neighbors Donate today or volunteer Donate Volunteer Oppurtinities Community Partners We stay local with stories from Thelma and many others in Fluvanna and Louisa counties. Stories of Compassion Hear more stories Essential Home Repair This program provides grant and loan assistance with necessary and critical home repairs for income eligible residents. Learn more about repairs Access Ramps If you cannot afford an access ramp and cannot get in and out of your home, we can help. Learn more about ramps Other Services We also provide other services ranging from rental units to financial education and assistance for first time home buyers. Learn about our other services

Volunteer The Foundation works with individual volunteers and volunteer groups to build and install ramps and perform home repairs. We have many types of volunteer opportunities available. Whether you’re a building professional, handy with tools, or simply looking to give back to the Louisa and Fluvanna communities – we can put you to work! ​ If you are interested in volunteering, please submit a Volunteer Application and Confidentiality Agreement. Volunteer Application Name Phone Email Address What type of volunteer work are you interested in doing? Submit Application We received your message and will respond to you as soon as possible. Confidentiality Agreement As an employee or volunteer at the Fluvanna-Louisa Housing Foundation, you may be exposed to or have access to confidential information about program participants or employees of the organization. It is vitally important that information about such not be released to people or agencies outside of the Housing Foundation without written consent. The only exception to this policy will be to follow legal or regulatory guidelines. All memoranda, notes, reports, or other documents will remain part of the organization’s confidential records. Personal or identifying information about the Foundation’s employees or participants, such as names, addresses, phone numbers, or salaries, will not be released to people not authorized by the nature of their duties to receive such information without the written consent of management, the employee, or the participant. If you improperly or inappropriately disclose confidential information, you may be subject to disciplinary action. ​ I have read and been given a copy of the above agreement and accept the responsibility placed in me by the Fluvanna-Louisa Housing Foundation. I agree to abide by this confidentiality agreement. Name Date Send We received your message and will respond to you as soon as possible..

Rental Units The Foundation owns and operates affordable rental properties in both counties. Applications are available and as units open, we offer them to local residents. Our rental homes are well constructed, energy efficient, and typically built to be handicap accessible. One of our facilities is a four-unit complex with solar power providing the tenant's energy needs. Units are not always available due to the demand for affordable housing in Fluvanna and Louisa Counties. We are currently working to construct more units. Click here to apply Click here if you live in Fluvanna County Click here if you live in Louisa County Follow these steps: ​ 1. Find out if you are income-qualified ​ (Fluvanna County is considered part of the Charlottesville area for determining AMI) Gather the necessary information, such as contact information for your landlord, past addresses and sources of income ​ Print and complete the application following the instructions 3. Submit the application 2. Fill out the Rental Application The application cannot be submitted online ​ Mail or bring it to the Foundation at 144 Resource Lane, Louisa VA 23093 ​ You may also call our office at (540) 967-3483 with any questions

FAQs With what types of repairs does FLHF assist? Typically, we assist with roofing, HVAC, plumbing, electric, hot water, well, and septic. We may be able to assist on other repairs as funding and labor are available, and dependent upon the number of ongoing repairs in the community. What is meant by “household income”? The household income is the amount of money that your entire household receives from all sources in a year. This includes salaries, social security, pensions, and any other kind of income your household receives. What is the Area Median Income or AMI? The AMI is the midpoint of all of the incomes for a given area, such as a county. Half of households in a given area have a higher income than the midpoint, and half have an income less than that amount. If a family makes less than 80% of the AMI, it is considered low income; if 50% - very low income, and 30% - extremely low income. The AMI also depends on how many people live in a household. What is an Adjustable Rate Mortgage, or ARM? An Adjustable Rate Mortgage is a home loan with an interest rate that may go up or down depending on an indicator, such as Treasury Bill Rates. How do I determine if housing is affordable? Your housing should cost no more than 30% of your household income. If you own your home the housing cost should include your mortgage payments plus property taxes and insurance. If you rent, your housing cost should include your monthly rent plus any utilities you pay. What does it mean to “assume” a mortgage? If you “assume” a mortgage you take over the remaining mortgage payments and terms from the original buyer of the home. By assuming the previous owner's remaining debt, you can avoid obtaining your own mortgage. Different types of loans can qualify as assumable mortgages, though there are some special considerations to keep in mind. What is a deed? A deed is a signed legal document that transfers ownership from one person to another. What is considered a “disability” in order to receive assistance? Under the Americans with Disabilities Act, you have a disability if you are unable to independently carry out one or more of the major life activities: walking, eating, sleeping, breathing, seeing, hearing or thinking. What is “accessible housing?” Accessible housing has special built-in accommodations that make everyday living easier for residents with disabilities. Accessible housing can range anywhere from wheelchair ramps to indoor modifications like handicap grab bars, lower cabinets and wider doorways. What is equity in a home? Equity is the value of your financial interest in your home. In other words, it is the actual current market value of your home, less any debts, or liens, that are attached to it. What is escrow, and how is it used? In mortgages, escrow usually refers to money kept by the mortgage company to ensure that the homeowners’ taxes can be paid in full when due. This is paid up front on settlement. What is foreclosure? Foreclosure is what happens if you, as a homeowner, fail to pay your mortgage. It’s a legal process in which you forfeit all rights to your property if you cannot pay off you debt. What are Housing Choice Vouchers? The Housing Choice Voucher Program, formerly known as Section 8 Rent Assistance, is a federally funded rental assistance program for low-income households. Households must meet income eligibility criteria. Each household pays a minimum of 30% of income for rent. Housing can include single-family homes, townhouses and apartments and is not limited to units located in subsidized housing projects. This rental assistance is issued in the form of a voucher to someone seeking housing.

Title blurb about the story, can make purple to highlight things​ ​ (this is just the history text as a placeholder for the story) (can add images anywhere) For 40 years, residents of central Virginia have had help with their housing needs – first by the individual operations of the Fluvanna Housing Foundation and the Louisa Housing Foundation – then in 2003 by the merger of the two into the Fluvanna-Louisa Housing Foundation, a 501(c)(3) nonprofit. ​ Here are just a few of the ways we have ensured warm, safe and dry housing for the families in our communities. In the 1980’s, many families in our area had no plumbing or running water. The Fluvanna and Louisa Housing Foundations made sure these critical needs were addressed. During the drought of 2002, when wells ran dry, we helped families dig or drill new wells. When wind and rain from Hurricane Isabel hit the East Coast, families turned to us for help restoring roofs that had been destroyed. After a massive snowstorm of 2008 damaged a number of homes, we responded with financial assistance and volunteers to do the repairs. When the destructive 2011 earthquake destroyed homes in central Virginia, we distributed federal funds for rebuilding. In 2020, when Covid-19 challenged the economic and housing stability of the community, we expanded our services and outreach. Today, under the leadership of Executive Director Kim Hyland, the Foundation has a renewed dedication to strengthening trust with the community by providing services with compassion, honesty, and simplicity. ​ ​

We are dedicated to serving our neighbors 27 New Roofs 151 Ramps 29 Rental Units Learn more about what we do Warm, Safe, Dry Here's what we did for our clients in 2022: Help us help neighbors Donate today or volunteer Donate Volunteer Opportunities Community Partners We stay local with stories from Thelma and many others in Fluvanna and Louisa counties. Stories of Compassion Hear more stories Essential Home Repair This program provides grant and loan assistance with necessary and critical home repairs for income eligible residents. Learn more about repairs Access Ramps If you cannot afford an access ramp and cannot get in and out of your home, we can help. Learn more about ramps Other Services We also provide other services ranging from rental units to financial education and assistance for first time home buyers. Learn about our other services

Service Request Name Street Address Town/County/Zip Code Phone Email Birthdate: MM/DD/YYYY Do you own your home or have lifetime rights to it? Yes No Housing Repair Needs: Check all that apply Bathroom Deck/Porch Electric Floors Heating/Cooling Handicap Modification Interior Walls Kitchen Painting Plumbing Roof Septic Siding Other: Explain below If you selected "Other" above, explain here NEED HANDICAP ACCESS RAMP? Proof of income required for grants & loans. Banking information may be required. Yes No Submit Request We received your request and will respond to you soon.

News Well and septic help for Louisa and Fluvanna Housing Foundation receives $300,000 grant to support those in need Read More Check back for more news soon!

Senior Resources Tax Relief for Senior Citizens Fluvanna Tax Relief Application Louisa Tax Relief Application