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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. . For nearly all our customers, the dream of owning a home is available through our Smart-Based Homeownership Program.

Omni Affordable Housing Inc.'s housing program is designed to address the pressing need for affordable housing by leveraging a multifaceted approach. This program focuses on constructing new affordable housing units and placing new mobile homes in strategic locations to serve low-income families and individuals. Through a combination of public and private funding, Omni Affordable Housing Inc. ensures that these housing solutions are both sustainable and accessible, fostering communities where residents can thrive. The organization collaborates with local governments, non-profits, and community stakeholders to identify areas with the highest need and to streamline the development process.

In addition to building new housing, Omni Affordable Housing Inc. is committed to rehabilitating existing mobile home parks acquired through its social enterprise initiatives. This aspect of the program aims to revitalize these communities by upgrading infrastructure, improving living conditions, and ensuring long-term affordability for current and future residents. By focusing on both new construction and rehabilitation, Omni Affordable Housing Inc. addresses the diverse needs of the housing market, ensuring that more families have access to safe, affordable, and quality homes. This holistic approach not only provides immediate housing solutions but also contributes to the overall stability and growth of the communities served.

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 https://www.navigatehousing.com/income-limits/. 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.