Virginia Housing Community Second Loan

Virginia Housing (VHDA)

Available Home Repair

About This Program

Virginia Housing Community Second Loan is available to homeowners in Radford, VA.

Affordable second mortgage loan for necessary home repairs and improvements for Virginia homeowners. Interest rate typically around 3-5% with terms up to 20 years. Can be used for roof, HVAC, plumbing, electrical, and other major systems.

Loan amount up to $30,000 at affordable interest rates with 20-year term

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

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

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

Key Details

  • Second mortgage loan up to $30,000 for home repairs
  • Interest rates typically 3-5% with 20-year term
  • For roof, HVAC, plumbing, electrical, and structural repairs
  • Income limits vary by household size and county
  • Owner-occupied homes only

How to Apply

Get free help applying Visit Official Program Page Track this program

(877) 843-2123

A grant-savvy contractor in Radford, 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 Radford 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 Community Second Loan provide in Radford, VA?

Up to $30,000 at low interest.

Who qualifies for Virginia Housing Community Second Loan in Radford?

Virginia Housing Community Second Loan is open to homeowners in Radford, VA.

How do I apply for Virginia Housing Community Second Loan in Radford, VA?

Apply directly with Virginia Housing (VHDA) 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 Radford, VA contractors

Find More Programs in Radford, VA

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

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