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Community Housing Partners, Inc.


CHP is available to assist anyone interested in financing a home in the state of Virginia either through our in-housing lending services or through one of our preferred lending partners. Our HomeOwnership/Lending Consultants will help you become mortgage-ready and teach you about the different mortgage options and see what best suits your needs. We will also discuss the monthly payment, interest rates, down-payment and other important costs and terms. Finally, if you qualify for the loan products we have available at that time you will be pre-approved for a purchase up to a specific price. Below are some of our mortgage loan programs:

first and second mortgage products

We offer loan programs that include excellent first mortgage programs through our lending partners and national non-profit affiliations. These low-cost, below-market interest rate programs feature from zero to low down payments and flexible underwriting guidelines for moderate income customers and those who have received financial counseling and have repaired credit.

Eligibility for second mortgage loans is based on household size and income. These loans are made at either a 0% interest rate or very low interest rates, which mean lower monthly payments and great savings in interest over the life of the loan. The second mortgage loans are generally used as down-payment and closing cost assistance, limiting the amount of cash out of your pocket. CHP also partners with various housing authorities that allow us access to local down-payment and closing costs initiatives.

USDA RD502 Direct Loan

Modest-income households may qualify for a zero down payment loan.

Qualified applicants may also receive the following additional benefits:

– No Mortgage Insurance
– Can loan up to appraised value
– Payment Assistance available if eligible

To find out more, contact Kamilia Lawson at 540.382.2002 ext. 3327.

New River Valley Association of REALTORS Down Payment Assistance Program (NRVAR DPA)

Families and individuals who meet certain income requirements that live and/or work in Bland, Carroll, Floyd, Giles, Grayson, Montgomery, Pulaski, Tazewell, and Wythe Counties and in the cities of Galax and Radford are eligible to receive up to $5,000 toward down payment and closing costs on the purchase of a home based on need. Funds will be awarded on a first-come, first-served basis until funds are depleted. Restrictions apply.