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Our Staff Kim Hyland Executive Director Contact me Amy Schick Accounts Receivable & Loans Manager Contact me Wanda Armstrong Fluvanna Coordinator Contact me Annabelle Anderson Louisa Coordinator Contact me Andrea Madison Operations Manager Contact me Board of Directors Jeff Martin Board President General Contractor/Builder David Vogt Vice President Lead Pastor Antioch Baptist Church Kaitlyn King Board Secretary United Bank Louisa Branch Mgr Chelsea Wells Board Treasurer Accountant Allison Pace Family Services Supervisor Fluvanna Social Services Tim Hodge Fluvanna County Supervisor Palmyra District Rachel Jones Louisa County Supervisor, Green Springs District Wendy Morris Community Member Louisa County Resource Council Vacant Communications Steve Smith Attorney Sarah Monceaux Avenue Realty Philip Gould Blue Ridge Bank Louisa Branch Manager VACANT Fluvanna Citizen FLHF Advisory Board Debbie Cole Donor Relations Jo Griffith Grant Writing Judy Belloumini Grant Writing

Financial Education The FLHF has three education programs: Budgeting and Credit Reports On the Path to Home Ownership First Time Homebuyer FLHF now has access to Virginia Housing SPARC funds which are mortgage reservations that lower the lending rate by 1%. Applicants must purchase in our service area and may not exceed 100%AMI. Financial counseling must be completed with a Piedmont Housing Alliance counselor. Applicants must attend the VA Housing First Time Homebuyer class offered online and present their certificate to FLHF. The FLHF works with you to evaluate budge ting, credit history and finances to improve your credit score and increase financial knowledge to move renters into home ownership. 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 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. 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!

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

Add a title here. Make it bold and impactful. Click to edit. News Fluvanna-Louisa Housing Foundation pitches request for additional funding Read More "Fluvanna-Louisa Housing Foundation addressed Louisa County BoS for a second time on March 3, outlining their $215,000 request” Benefit raises more than $6,000 for Fluvanna-Louisa Housing Foundation for more funds Southern Revere Cellars hosted their first “Sip & Stride 5K and 10K race for the Fluvanna-Louisa Housing Foundation.” Read More Housing Foundation asks county for more funds Executive Director Kim Hyland addressed the Board of Supervisors during a budget meeting on Tuesday, Feb. 20. Read More Unlocking Opportunity with Fluvanna Louisa Housing Foundation Insights into FLHF’s current strategies and the hurdles they encounter in their mission to provide affordable housing solutions. Read More NBC29 Interview with Kim Hyland Recently, our Executive Director, Kim Hyland, was interviewed by NBC29 in Charlottesville for a Community Conversation. Read More Affordable Housing Project Update 8/16/23 Read More FLHF making progress on affordable housing units Organization hopes to break ground in the spring of 2024 Read More County approves affordable housing request An affordable housing application from the Fluvanna-Louisa Housing Foundation (FLHF) was met with unanimous approval last week Read More Chamber recognizes exceptional achievements at annual banquet The Louisa County Chamber of Commerce (LCCC) held its Annual Meeting and Businessperson of the Year Celebration on June 23 Read More Housing Foundation shows the love The Fluvanna-Louisa Housing Foundation’s first major fundraiser, Have a Heart at Bandit’s Ridge on Friday was a success. Read More 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!

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Essential Home Repair Program The FLHF Essential Home Repair Program can help you make critical repairs to your home. We assist with repairs for the following: Roof replacement Heating and cooling system Plumbing Electrical systems Well repair Septic system repair Hot water heater We may also be able to help with other types of home repairs. LOANS AND GRANTS We work with residents to obtain grant funds to help cover the cost of major home repairs. Typically, the grant does not cover the full cost of the repair, so FLHF provides zero-interest loans and reasonable repayment terms. Below is one example of how a loan might work: Total cost of repair: $6,000 Grant funds: $3,000 Homeowner down payment: $500 Homeowner loan: $2,500 Balance paid in $100 monthly installments over 25 months with 0% interest. How can we do this? As other people with loans pay back their home repair, we recycle the funds back into the community. Your repair is possible due to someone else paying back their loan. When you repay your loan, you will help someone else afford their home repair. 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) Find out how much it will cost by calling two or three contractors for estimates so we will know a little about the approximate cost 3. Fill out the Service Request form 2. Know what repairs 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 (for example, try to find out if the water on a wall is from a break in plumbing or a roof leak)

Resources The Real Estate Marketplace Glossary: How to Talk the Talk Zillow Debt-to-Income Calculator US Bank Mortgage Payment Calculator US Bank Mortgage Affordability Calculator US Bank Rent vs. Buy Calculator US Bank FHA Loan Calculator Zillow Mortgage Affordability Calculator US Bank Mortgage Downpayment Calculator US VA Loan Calculator

Our History 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. Learn about some of the programs and services we offer. We also offer individualized education, counseling, referrals to housing, and legal services to help our residents gain the knowledge, skills, and abilities to continue to meet their housing needs.

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Request housing repair or access ramp 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 * Required 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.

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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