Sign up for our homebuyer's course here. Please note that this is an in person event for Virginia residents only. If you happen to miss the event don't worry, we will update the link periodically with the upcoming course. 

Housing Programs

Housing Stability - OAHI exists to provide high-quality housing for low- and moderate-income citizens of Virginia. In pursuit of this goal, the agency strives to deliver the best possible service in a people-sensitive fashion. All efforts revolve around the premise that the quality of our work directly affects the quality of life of those served.  Move In, Move Up, Move Out. OAHI offers several ways to help Virginia residents who need to move into stable housing and work toward self-sufficiency. Through our public housing program, we assist families with low-cost permanent housing. Through our Housing Choice Voucher program, formerly known as Section 8, qualified applicants can secure housing in the private market. For nearly all our customers, the dream of owning a home is available through our Smart-Based Homeownership Program.

Available Assistance

The OAHI Home Ownership Program provides first-time homebuyers with a range of services to assist in purchasing their first home.

There are private counseling sessions to review your credit, income, and assets to help identify any obstacles. In the case that there needs to be corrective action, counselors will help you develop and stick to a sensible plan.

We hold 8-hour Homebuyer Workshops to qualify for many first-time homebuyer loan products in the area.

OAHI helps with loan prequalification, and applications, and identifies special financing programs. Additionally, we refer borrowers to realtors and lenders that are particularly knowledgeable about the first-time homebuyers' market.

Post-Purchase Counseling can benefit clients who need extra support to stick to their household budgets or face unexpected circumstances that affect their ability to pay their mortgage. OAHI can help advise first-time homeowners with several issues like expensive maintenance issues, refinancing, or even foreclosure.

Eligibility 

To qualify and take advantage of the OAHI Home Ownership Program, applicants must be employed for at least a year and have an earned annual income based on the state of Virginia medium family income for very low, low & moderate income based on the number of persons in your household. You must be first-time homebuyers who have not owned a home within the past three years, must have completed an initial lease term, and be in good standing with their current landlord. Applicants are required to enroll and complete all required homeownership counseling and provide the greater of $500 or 1% towards the purchase transaction.

Note: All information mentioned above was accurate at the time of publication and may no longer be current - visit the program website for updated information.