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education and training, the opportunity to work, and the opportunity to live in decency and dignity.” For more than 30 years, TAP has operated numerous federal, state, and locally funded programs to provide services to clients within the region of Roanoke Valley- Allegheny Regional Planning District and Rockbridge County, which includes the cities of Buena Vista, Clifton Forge, Covington, Lexington, Roanoke, and Salem. TAP offers the following housing counseling services: pre-purchase, post-purchase, pre-rental, rental delinquency, mortgage default, and HECM (“reverse mortgages).

Southside Community Development & Housing Corp. Richmond, VA $10,088 Southside Community Development and Housing Corp. (SCDHC) was incorporated in the Commonwealth of Virginia in March 1988 as a non-profit community development agency. The mission of SCDHC is to improve the quality of life for those families who have been disenfranchised and subjected to substandard living conditions in the Old South District area of Richmond, Virginia. The goal of the Homeownership Element is to strongly support programs which provide rehabilitation and assistance to low and moderate-income residents, and which provide homeownership opportunities for all ranges of income, particularly for those currently at or below 80 percent of the Richmond area median family income.

Virginia Housing Development Authority Richmond, VA $29,039 Virginia Housing Development Authority (VHDA), one of the nation’s largest state housing finance agencies, has been offering homeownership education classes since 1993. The classes were developed as an educational outreach program to assist low and moderate-income, first- time buyers by explaining the steps of homeownership and encouraging them through the process. The classes have been developed to cover the complete pre-purchase curriculum as outlined by Fannie Mae, Freddie Mac, and AHECI. The course covers budgeting, credit and credit repair, working with a realtor, choosing the right home, loan products, working with the mortgage lender, the home inspection, and the loan closing. A follow-up home maintenance and repair class is offered free of charge through a partnership with the Virginia Cooperative Extension office. The curriculum is updated each year, showing changes in tax laws and so forth. VHDA offers a Train the Trainer Program statewide to nonprofits and local Public Housing Authorities. Additionally, VHDA has offered HECM loans since the initiation of the FHA program, and has worked extensively to encourage private lenders throughout Virginia to participate also, in order to maximize availability and choice for seniors.

The Southeastern Tidewater Opportunity Project, Inc. (STOP ) Norfolk, VA $8,016. Since its establishment in 1965, STOP has grown to become the largest community action program in the Commonwealth of Virginia. STOP features several exemplary programs such as Head Start, Home Weatherization, Certified Nurse Aid, Job Readiness, Comprehensive Housing Counseling Services and Community Outreach. In February 1979, The STOP Organization became a HUD-certified counseling agency.


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