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: 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

PIEDMONT HOUSING ALLIANCE

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

TELAMON CORPORATION

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

QUIN RIVERS, INC.

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

BLUE RIDGE HOUSING NETWORK

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

QUIN RIVERS, INC

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

URBAN LEAGUE OF HAMPTON ROADS

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

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: 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

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: 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

QUIN RIVERS. INC.

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

Money Management

P: 866-232-9080

T: 866-232-9080

F: 866-921-5129

E: counselinginfo@moneymanagement.org

Woodbridge, Virginia 22192 – English/ Spanish

FIRST HOME ALLIANCE

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

 

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