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.
Resources:
ABINGDON
PEOPLE INCORPORATED OF SOUTHWEST VIRGINIA
P: 276-623-9000-240
F: 276-628-2931
E: awolfe@peopleinc.net
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: anpdc@a-npdc.org
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: counselinginfo@moneymanagement.org
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: cldnoval@aol.com
1315 Duke Street
ALEXANDRIA, Virginia 22314-3508 – English- Spanish
ARLINGTON
AHOME
P: 703-527-3854
F: 703-527-0932
E: ahome@erols.com
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: hud-inquiries@clearpoints.org
1658 State Farm Blvd Ste B
Charlottesville, Virginia 22911+3563 – ASL/ English/ Other/ Spanish
P: 434-817-2436-104
F: 434-817-0664
E: shelleym@piedmonthousing.org
1215 East Market Street Ste. B
CHARLOTTESVILLE, Virginia 22902-5512 – English/ Spanish
CHATHAM
P: 434-688-4640
E: rroark@telamon.org
61 N. Main Street
CHATHAM, Virginia 24531-3113 – English
CHESAPEAKE
CATHOLIC CHARITIES OF EASTERN VIRGINIA
P: 757-484-0703
F: 757-484-1096
E: lgallagher@cceva.org
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: hud-inquiries@clearpointfs.org
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: customerservice2@clearpointfs.org
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: counselinginfo@moneymanagement.org
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: loan.hanlon@bpsos.org
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: dvelasquez@hcva.org
5827 Columbia Pike
Suite 200
FALLS CHURCH, Virginia 22041-2027 – English/ Spanish
FREDRICKSBURG
CENTRAL VIRGINIA HOUSING COALITION
P: 540-604-9943
E: bphelps@centralvahousing.org
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: hud-inquiries@clearpointfs.org
GENERAL WASHINGTON EXEC CTR
2217 PRINCESS ANNE ST, STE 322
FREDERICKSBURG, Virginia 22401 – ASL/ English/ Other/ Spanish
P: 540-479-4370-306
F: 540-368-1448
E: lmorgan@quinrivers.org
10718 Ballantraye Dr.
Suite 402
FREDERICKSBURG, Virginia 22407-4703 – English
FRONT ROYAL
P: 540-622-2711
E: blueridgehousi@embarqmail.com
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: customerservice2@clearpointfs.org
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: Monikacccs@aol.com
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: hud-inquiries@clearpointfs.org
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: myuille@lyncag.org
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: counselinginfo@moneymanagement.org
10629 Crestwood Dr
MANASSAS, Virginia 20109-3433 – English/ Spanish
PRINCE WILLIAM COUNTY VIRGINIA COOPERATIVE EXTENSION
P: 703-792-4713
F: 703-792-4630
E: mleon@pwcgov.org
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: counselinginfo@moneymanagement.org
300 Franklin St., Ste 235
Martinsville, Virginia 24112 – English/Spanish
– Spanish
NEW KENT
P: 540-368-5553
E: lmorgan@quinrivers.org
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: dbuchanan@ohainc.org
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: john.allen@theupcenter.org
222 W 19th St
NORFOLK, Virginia 23517-2218 – English
HOMENET – Norfolk Redevelopment Homeownership Program
P: 757-624-8649
E: lfortes@nrha.us
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: lawrence@stopinc.org
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: grayla2004@yahoo.com
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: hud-inquiries@clearpointfs.org
110 Wagner Rd
Petersburg, Virginia 23805+9303 – ASL/ English/ Other/ Spanish
PORTSMOUTH
P: 757-673-0864
T: 877-431-5576
F: 757-673-2801
E: yvyoung@ulhr.org
3225 High Street
PORTSMOUTH, Virginia 23707-3317 – English
RADFORD
NEW RIVER COMMUNITY ACTION, INC.
P: 540-633-5133-440
F: 540-633-2585
E: kmatthews@nrcaa.org
1093 East Main Street
RADFORD, Virginia 24141-1747 – English
RESTON
CORNERSTONES
P: 571-323-9555
E: caroline.toye@cornerstonesva.org
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: customer.service@clearpointccs.org
8000 Franklin Farms Dr.
RICHMOND, Virginia 23229-5002 – English
CLEARPOINT FINANCIAL SOLUTIONS, INC.
P: 877-877-1995
T: 804-222-4660
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: Eric.Graetzer@cccofva.org
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: bhicks@phonehome.org
626 E. Broad Street, Suite 400
RICHMOND, Virginia 23219-1890 – English
SOUTHSIDE COMMUNITY DEVELOPMENT AND HOUSING
P: 804-231-4449-103
E: dianna@scdhc.com
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: kelly.gill-gordon@vhda.com
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: counselinginfo@moneymanagement.org
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: charlotte.davis@tapintohope.org
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: joni.tables@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: jnaylor@skylinecap.org
31 Stanard Street
STANARDSVILLE, Virginia 22973-3756 – English/Spanish
SUFFOLK
SUFFOLK REDEVELOPMENT AND HOUSING AUTHORITY
P: 757-539-2100
F: 757-539-5184
E: dsimmons@suffolkrha.org
530 E Pinner Street
SUFFOLK, Virginia 23434-3023 – English
VIRGINIA BEACH
CLEARPOINT FINANCIAL SOLUTIONS, INC
P: 877-877-1995
T: 877-877-1995
E: customerservice2@clearpointfs.org
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: mkhoroszewski@vbcdc.org
2400 Potters Rd
VIRGINIA BEACH, Virginia 23454-4377 – English
WALKERTON
P: 540-368-5553
E: lmorgan@quinrivers.org
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: hcobb@kidsandfamilies.com
312 Waller Mill Road
WILLIAMSBURG, Virginia 23185-3000 – English
JAMES CITY COUNTY OFFICE OF HOUSING
P: 757-259-5346
E: crhodes@james-city.va.us
5320 Palmer Ln
Suite 1A
Williamsburg, Virginia 23188+2674 – English
WOODBRIDGE
P: 866-232-9080
T: 866-232-9080
F: 866-921-5129
E: counselinginfo@moneymanagement.org
Woodbridge, Virginia 22192 – English/ Spanish
P: 703-580-8838
F: 703-580-8842
E: cwatkins@firsthomealliance.org
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: akegley@wythehope.org
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.