Loan modifications can save a home from foreclosure and bring a homeowner current on missed payments. The ability to be approved for the loan modification is the key issue to focus on when exploring this option with your mortgage lender. While you may think a loan modification will solve your problem, which is most often being behind on the mortgage, lenders have their own concerns. Your lenders primary concern is being convince you have the ability to pay the modified mortgage payment. Below are some resources that will assist homeowners negotiate modifications. The attorneys at Merna Law can also assist you with this while also discussing eliminating your other debt.

Loan Modification Resources, Richmond, Virginia Beach, Hampton, Chesapeake, Norfolk, Chesterfield, HenricoResources:

ABINGDON

PEOPLE INCORPORATED OF SOUTHWEST VIRGINIA

P: 276-623-9000-240

F: 276-628-2931

E: [email protected]

1173 W. Main Street

ABINGDON, Virginia 24210-4703

ACCOMACK

NORTHAMPTON PLANNING DISTRICT COMMISSION

P: 757-787-2936-125

T: 866-787-3001

F: 757-787-4221

E: [email protected]

23372 Front Street

ACCOMAC, Virginia 23301-1557 – English

ALEXANDRIA

MONEY MANAGEMENT INTERNATIONAL ALEXANDRIA VA

P: 866-232-9080

T: 866-232-9080

F: 866-921-5129

E: [email protected]

801 N Pitt St., Suite 117

ALEXANDRIA, Virginia 22314-1783 – English/-Spanish

NORTHERN VIRGINIA URBAN LEAGUE

P: 703-836-2858-127

T: 703-836-2858

F: 703-836-8948

E: [email protected]

1315 Duke Street

ALEXANDRIA, Virginia 22314-3508 – English- Spanish

ARLINGTON

AHOME

P: 703-527-3854

F: 703-527-0932

E: [email protected]

2300 9th St S

Suite 300 B

ARLINGTON, Virginia 22204-2387 – English/ Spanish

CHARLOTTESVILLE

CLEARPOINT FINANCIAL SOLUTIONS, INC.

P: 434-977-9596

T: 434-977-9596

F: 434-977-0665

E: [email protected]

1658 State Farm Blvd Ste B

Charlottesville, Virginia 22911+3563 – ASL/ English/ Other/ Spanish

PIEDMONT HOUSING ALLIANCE

P: 434-817-2436-104

F: 434-817-0664

E: [email protected]

1215 East Market Street Ste. B

CHARLOTTESVILLE, Virginia 22902-5512 – English/ Spanish

CHATHAM

TELAMON CORPORATION

P: 434-688-4640

E: [email protected]

61 N. Main Street

CHATHAM, Virginia 24531-3113 – English

CHESAPEAKE

CATHOLIC CHARITIES OF EASTERN VIRGINIA

P: 757-484-0703

F: 757-484-1096

E: [email protected]

3804 Poplar Hill Rd

Suite A

CHESAPEAKE, Virginia 23321-5532 – English/ Vietnamese

CLEARPOINT FINANCIAL SOLUTIONS, INC.

P: 757-548-9406

T: 757-548-9406

F: 757-420-3620

E: [email protected]

860 Greenbrier Cir

Suite 303

Chesapeake, Virginia 23320+2640 – ASL/ English/ Other/ Spanish

CULPEPPER

CLEARPOINT FINANCIAL SOLUTIONS, INC.

P: 877-877-1995

T: 877-877-1995

E: [email protected]

18121 Technology Drive

CULPEPER, Virginia 22701-3805 – English

FAIRFAX

MONEY MANAGEMENT INTERNATIONAL FAIRFAX

P: 866-232-9080

T: 866-232-9080

F: 866-921-5129

E: [email protected]

3927 Old Lee Hwy Ste 101E

FAIRFAX, Virginia 22030-2422 – English/- Spanish

FALLS CHURCH

BOAT PEOPLE SOS, INC

P: 703-647-6485

F: 703-647-6461

E: [email protected]

6066 Leesburg Pike

Suite 100

Falls Church, Virginia 22041-2234 – English/ Vietnamese

HISPANIC COMMITTEE OF VIRGINIA

P: 571-858-9281

F: 703-671-2325

E: [email protected]

5827 Columbia Pike

Suite 200

FALLS CHURCH, Virginia 22041-2027 – English/  Spanish

FREDRICKSBURG

CENTRAL VIRGINIA HOUSING COALITION

P: 540-604-9943

E: [email protected]

208 Hudgins Rd

Fredericksburg, Virginia 22408+4119 – English

CLEARPOINT FINANCIAL SOLUTIONS, INC.

P: 540-371-7575

T: 540-371-7575

F: 540-373-4095

E: [email protected]

GENERAL WASHINGTON EXEC CTR

2217 PRINCESS ANNE ST, STE 322

FREDERICKSBURG, Virginia 22401 – ASL/ English/ Other/ Spanish

QUIN RIVERS, INC.

P: 540-479-4370-306

F: 540-368-1448

E: [email protected]

10718 Ballantraye Dr.

Suite 402

FREDERICKSBURG, Virginia 22407-4703 – English

FRONT ROYAL

BLUE RIDGE HOUSING NETWORK

P: 540-622-2711

E: [email protected]

115 Chester St

Suite C

FRONT ROYAL, Virginia 22630-3389 – English

GLEN ALLEN

CLEARPOINT FINANCIAL SOLUTIONS, INC

P: 877-877-1995

T: 877-877-1995

E: [email protected]

4060 Innslake Drive

GLEN ALLEN, Virginia 23060-3342 – English

HAMPTON

CCCS OF HAMPTON ROADS / CENTER FOR CHILD AND FAMILY SERVICES

P: 757-826-2227

T: 757-838-1960

F: 757-838-8021

E: [email protected]

2021 Cunningham Dr

Suite 400

Hampton, Virginia 23666+3375 – English

CLEARPOINT FINANCIAL SOLUTIONS

P: 757-874-2900

T: 757-874-2900

F: 757-596-3589

E: [email protected]

1055 W Mercury Blvd

Suite 505

Hampton, Virginia 23666+3300 – ASL/ English/ Other/ Spanish

LYNCHBURG

LYNCHBURG COMMUNITY ACTION GROUP, INCORPORATE (AKA LYNCAG)

P: 434-455-1601-3

F: 434-846-2759

E: [email protected]

915 Main Street

2nd Floor Galleria

LYNCHBURG, Virginia 24504-1628 – English

MANASSAS

MONEY MANAGEMENT INTERNATIONAL MANASSAS

P: 866-232-9080

T: 866-232-9080

F: 866-921-5129

E: [email protected]

10629 Crestwood Dr

MANASSAS, Virginia 20109-3433 – English/ Spanish

PRINCE WILLIAM COUNTY VIRGINIA COOPERATIVE EXTENSION

P: 703-792-4713

F: 703-792-4630

E: [email protected]

8033 Ashton Ave Ste 105

MANASSAS, Virginia 20109-2895 – English/ Spanish

MARTINSVILLE

MONEY MANAGEMENT INTERNATIONAL MARTINSVILLE

P: 866-232-9080

T: 866-232-9080

F: 866-921-5129

E: [email protected]

300 Franklin St., Ste 235

Martinsville, Virginia 24112 – English/Spanish

– Spanish

NEW KENT

QUIN RIVERS, INC

P: 540-368-5553

E: [email protected]

12025 Courthouse Cir

New Kent, Virginia 23124+2242 – English/ Spanish

NEWPORT NEWS

NEWPORT NEWS OFFICE OF HUMAN AFFAIRS

P: 757-643-4086

F: 757-643-4087

E: [email protected]

392 Maple Ave

NEWPORT NEWS, Virginia 23607-4900 – English

NORFOLK

CHILD & FAMILY SERVICES OF EASTERN VIRGINIA, INC. D/B/A THE UP CENTER

P: 757-965-8639

F: 757-640-8402

E: [email protected]

222 W 19th St

NORFOLK, Virginia 23517-2218 – English

HOMENET – Norfolk Redevelopment Homeownership Program

P: 757-624-8649

E: [email protected]

201 Granby St

NORFOLK, Virginia 23510-1820 – English

SOUTHEASTERN TIDEWATER OPPORTUNITY PROJECT OF HAMPTON ROADS (STOP)

P: 757-858-1360

F: 757-858-1389

E: [email protected]

2551 Almeda Ave

NORFOLK, Virginia 23513-2443 – English

CHESTERFIELD

NATIONAL CAUCUS AND CENTER FOR COMMUNITY ECONOMIC DEVELOPMENT (NCCCED)

P: 804-901-3449

TF: 804-276-2390

E: [email protected]

2010 7206 Hull STREET RD.

NORTH CHESTERFIELD, Virginia 23235-5827 – English/ Spanish

PETERSBURG

CLEARPOINT FINANCIAL SOLUTIONS, INC

P: 804-222-4660

T: 804-520-8744

F: 804-226-3827

E: [email protected]

110 Wagner Rd

Petersburg, Virginia 23805+9303 – ASL/ English/ Other/ Spanish

PORTSMOUTH

URBAN LEAGUE OF HAMPTON ROADS

P: 757-673-0864

T: 877-431-5576

F: 757-673-2801

E: [email protected]

3225 High Street

PORTSMOUTH, Virginia 23707-3317 – English

RADFORD

NEW RIVER COMMUNITY ACTION, INC.

P: 540-633-5133-440

F: 540-633-2585

E: [email protected]

1093 East Main Street

RADFORD, Virginia 24141-1747 – English

RESTON

CORNERSTONES

P: 571-323-9555

E: [email protected]

11150 Sunset Hills Road

Suite 210

Reston, Virginia 20190+5360 – English/ Spanish

RICHMOND

CLEARPOINT FINANCIAL SOLUTIONS, INC.

P: 804-222-4660

T: 877-877-1995

F: 804-222-7720

E: [email protected]

8000 Franklin Farms Dr.

RICHMOND, Virginia 23229-5002 – English

CLEARPOINT FINANCIAL SOLUTIONS, INC.

P: 877-877-1995

T: 804-222-4660

F: 877-706-7759

4605 Commerce Rd

Richmond, Virginia 23234+2233 – ASL/ English/ Other/  Spanish

COMMONWEALTH CATHOLIC CHARITIES, RICHMOND,VA

P: 804-545-5931

T: 800-528-1258

F: 804-285-9130

E: [email protected]

1512 Willow Lawn Drive

RICHMOND, Virginia 23230-3117 – ASL/ English/ French/ Spanish/ Swahili/ Vietnamese

HOUSING OPPORTUNITIES MADE EQUAL OF VIRGINIA, INCORPORATED

P: 804-354-0641-144

F: 804-354-0690

E: [email protected]

626 E. Broad Street, Suite 400

RICHMOND, Virginia 23219-1890 – English

SOUTHSIDE COMMUNITY DEVELOPMENT AND HOUSING

P: 804-231-4449-103

E: [email protected]

1624 Hull St

RICHMOND, Virginia 23224-3806 – Arabic/ASL/ Cambodian/Cantonese/Chinese Mandarin/ Creole/Czech/English/Farsi/French/German/Hindi/Hmong/Indonesian/Italian/Korean/Polish/Portuguese/Russian/Spanish/Swahili/Turkish/Ukrainian/Vietnamese

VIRGINIA HOUSING DEVELOPMENT AUTHORITY

P: 804-343-5534

F: 804-783-6737

E: [email protected]

601 S. Belvidere Street

RICHMOND, Virginia 23220-6504 – English/Spanish

ROANOKE

MONEY MANAGEMENT INTERNATIONAL ROANOKE

P: 866-232-9080

T: 866-232-9080

F: 866-921-5129

E: [email protected]

7000 Peters Creek Rd

ROANOKE, Virginia 24019-4009 – English/ Spanish

TOTAL ACTION AGAINST POVERTY IN ROANOKE VALLEY

P: 540-283-4917

F: 540-777-1896

E: [email protected]

108 Henry (1St) Street NW

ROANOKE, Virginia 24016-2414 – English/Spanish

ROCKY MOUNT

STEP, INC. / SUPPORT TO ELIMINATE POVERTY, INC

P: 540-483-5142

E: [email protected]

W: www.stepincva.com

200 Dent Street

ROCKY MOUNT, Virginia 24151-1285 – English

STANARDSVILLE

SKYLINE COMMUNITY ACTION PROGRAM, INCORPORATE

P: 434-985-6066

F: 434-985-6035

E: [email protected]

31 Stanard Street

STANARDSVILLE, Virginia 22973-3756 – English/Spanish

SUFFOLK

SUFFOLK REDEVELOPMENT AND HOUSING AUTHORITY

P: 757-539-2100

F: 757-539-5184

E: [email protected]

530 E Pinner Street

SUFFOLK, Virginia 23434-3023 – English

VIRGINIA BEACH

CLEARPOINT FINANCIAL SOLUTIONS, INC

P: 877-877-1995

T: 877-877-1995

E: [email protected]

522 S. Independence Blvd.

Suite 103

VIRGINIA BEACH, Virginia 23452-1149 – English

VIRGINIA BEACH COMMUNITY DEVELOPMENT CORPORATION

P: 757-463-9516

F: 757-463-1382

E: [email protected]

2400 Potters Rd

VIRGINIA BEACH, Virginia 23454-4377 – English

WALKERTON

QUIN RIVERS. INC.

P: 540-368-5553

E: [email protected]

6131 Canterbury Road

P.O. Box 193

Walkerton, Virginia 23177 – English

WILLIAMSBURG

CCCS OF HAMPTON ROADS/CENTER FOR CHILD AND FAMILY SERVICES

P: 757-826-2227

F: 757-838-8021

E: [email protected]

312 Waller Mill Road

WILLIAMSBURG, Virginia 23185-3000 – English

JAMES CITY COUNTY OFFICE OF HOUSING

P: 757-259-5346

E: [email protected]

5320 Palmer Ln

Suite 1A

Williamsburg, Virginia 23188+2674 – English

WOODBRIDGE

Money Management

P: 866-232-9080

T: 866-232-9080

F: 866-921-5129

E: [email protected]

Woodbridge, Virginia 22192 – English/ Spanish

FIRST HOME ALLIANCE

P: 703-580-8838

F: 703-580-8842

E: [email protected]

3138 Golansky Blvd

Suite 202

WOODBRIDGE, Virginia 22192-4260 – English/Spanish

WYTHEVILLE

HELPING OVERCOME POVERTY’S EXISTENCE, INC., (FORMERLY MOUNTAIN SHELTER, INC.)

P: 276-228-6280-211

T: 877-818-8680

F: 276-228-0508

E: [email protected]

680 W. Main Street

P.O. Box 743

WYTHEVILLE, Virginia 24382-2211 – English

ADDITIONAL RESOURCES

Money Management International

P: 800-762-2271

4846 Kings Mountain Road

Collinsville, Virginia 24078 – English

ClearPoint Financial Solutions, Inc

P: 877-877-1999

18121 Technology Dr.

Culpepper, Virginia 22701 – English

ClearPoint Financial Solutions, Inc

P: 877-877-1995

139 Deer Run Rd., Ste. A

Danville, Virginia 24540 – English

ClearPoint Financial Solutions, Inc

P: 877-877-1999

17119 Wayside Dr.

Dumfries, Virginia 22026 – English

 

IF YOU NEED FREE LEGAL HELP WITH A LOAN MODIFICATION OR DEBT ADJUSTMENT – CLICK HERE

If a foreclosure is pending also ask us about how a Chapter 13 can save your house.