FIND HELP FOR HOME BUYING AND REPAIRS

At Baxter Safe Homes, we understand that navigating home buying and repairs can be overwhelming. Whether you're a first-time homebuyer looking for financial assistance, a homeowner in need of urgent repairs, or seeking resources for home improvement, we've compiled a list of programs and services to help you. Browse the categories below to find the support you need.

Home Buying Assistance
Home Repair & Improvement Assistance
Emergency Assistance and Foreclosure Assistance
Additional Resources and Contacts

Home Buying Assistance

For those looking to purchase a home, these programs offer financial aid, grants, and guidance.

  1. HUD Homebuyer Assistance
    Find HUD-approved homebuyer programs in your area, including counseling and financial aid options.

  2. VA Home Loans
    If you're a veteran or active military, learn how VA loans can help you buy a home with no down payment.

  3. Veterans Guide
    Free resources to help veterans access benefits, healthcare, legal support, and more.

  4. FHA Loans
    Explore Federal Housing Administration loans that offer lower down payment options for qualified buyers.

  5. Virginia Housing Down Payment Assistance Grant
    Offers a true grant to first-time homebuyers or repeat buyers in Areas of Economic Opportunity, providing funds that never need to be repaid.

  6. HOME of Virginia (Housing Opportunities Made Equal)
    Provides free services including one-on-one pre-purchase counseling, group classes taught by industry professionals, and assistance with money management and credit recovery.

  7. Henrico County First-Time Homebuyers Down Payment and Closing Cost Assistance
    Offers financial assistance to qualified first-time, low- and moderate-income homebuyers purchasing a home in Henrico County.

Home Repair & Improvement Assistance

Get help with home repairs, renovations, and safety improvements.

  1. Weatherization Assistance Program (WAP)
    Reduce energy costs and improve home efficiency with government-funded weatherization services.

  2. VA Home Repair Grants
    Veterans with disabilities may qualify for grants to modify their homes for better accessibility.

  3. USDA Rural Home Repair Loans & Grants
    For rural homeowners needing financial help for essential repairs and safety improvements.

  4. Richmond Metropolitan Habitat for Humanity Critical Home Repair Program
    Provides exterior repairs to ensure homes are safe, decent, and affordable for homeowners in the Richmond area.

  5. Project Homes: Critical Home Repair Program
    Provides home repairs for low-income, elderly, and disabled homeowners in Central Virginia to improve safety and accessibility.

  6. Essential Home and Accessibility Repair Program (EHARP)
    This program provides funding to local administrators to undertake physical repairs that improve housing conditions, including plumbing, structural, electrical, and roofing repairs, as well as accessibility modifications.

  7. Homeowner Rehabilitation and Repair Assistance (Henrico County)
    Henrico County offers programs to assist homeowners with minor and emergency repairs, as well as moderate rehabilitation to enhance the long-term livability of homes.

  8. Rebuilding Together Richmond
    Provides critical home repair services and safety modifications for those in need in the Richmond area.

Emergency Assistance & Foreclosure Prevention

For urgent housing needs and financial hardship.

  1. Homeless Connection Line
    Individuals experiencing homelessness or within 3 days of losing their housing can contact the Homeless Connection Line at 804-972-0813 for assistance in accessing shelter and resources.

  2. Housing Resource Line
    For assistance with rent, utilities, or staying in your current housing, contact the Housing Resource Line at 804-422-5061.

  3. Foreclosure Prevention Programs
    Struggling with mortgage payments? Learn about resources to avoid foreclosure and keep your home.

  4. Homeowner Assistance Fund (HAF)
    A government-backed program offering financial relief to homeowners affected by economic hardship.

Additional Resources & Contacts

Helpful links and direct contact information.

  1. Find a Local HUD Housing Counselor
    Get free, professional guidance on home buying, foreclosure prevention, and budgeting.

  2. State & Local Housing Programs
    Each state has different assistance programs—see what’s available in your area.

  3. Virginia Area Agencies on Aging
    Offers various services, including home repair assistance, to support older adults in maintaining their independence.

  4. Contact Us
    Need direct guidance? Reach out to Baxter Safe Homes for personalized assistance.

  5. Avoid Scams
    The Federal Trade Commission provides guidance on how to recognize and avoid scams, which is crucial when seeking financial assistance.