Virginia Housing Homeowner Rehabilitation Loan

Virginia Housing

Available Home Repair

About This Program

Virginia Housing Homeowner Rehabilitation Loan is available to homeowners in Martinsville, VA.

Low-interest loan program from Virginia Housing for major home repairs and improvements to owner-occupied homes. Loans carry below-market interest rates and flexible terms for income-qualified homeowners.

Low-interest loan, repayment required over 15-20 years

Official source site checked live on 2026-06-22.

Data last verified 2026-06-09. How we verify our data.

In Martinsville, VA, you can combine this program with other local help to cut your cost:

Key Details

  • Loan up to $50,000 for major repairs
  • Below-market interest rates
  • Income at or below 80% AMI
  • Owner-occupied homes
  • 15-20 year repayment terms

How to Apply

Get free help applying Visit Official Program Page Track this program

(877) 843-2123

A grant-savvy contractor in Martinsville, VA can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Martinsville early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • A recent utility bill for the home (energy and weatherization programs use it to confirm service and usage).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Rolling applications

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

How much can Virginia Housing Homeowner Rehabilitation Loan provide in Martinsville, VA?

Up to $50,000 loan.

Who qualifies for Virginia Housing Homeowner Rehabilitation Loan in Martinsville?

Virginia Housing Homeowner Rehabilitation Loan is open to homeowners in Martinsville, VA.

How do I apply for Virginia Housing Homeowner Rehabilitation Loan in Martinsville, VA?

Apply directly with Virginia Housing using the official program link on this page or call (877) 843-2123. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse Martinsville, VA contractors

Find More Programs in Martinsville, VA

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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