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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.

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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

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 Donors Thank you to these community-minded businesses who are supporting the local housing effort 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 Community Partners

News Benefit raises more than $6,000 for Fluvanna-Louisa Housing Foundationfor 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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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.