680 W Main St (map it) HOPE Ministry Center PO Box 743 Wytheville, VA 24382	Toll Free: (877) 818-8680 Phone: (276) 228-6280 Fax: (276) 228-0508 Email: hope@wythehope.org
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HOPE's Homeownership Program provides assistance to individuals and families who are interested in owning a home. Pre-purchase and budget counseling are key components of the program to adequately prepare clients for making the step to homeownership. Click housing counseling to learn more or Pre-Purchase Homeownership Planning for application information.

HOPE offers a variety of mortgage options for any potential buyer, including previous homeowners. Affordable loan packages are available through HOPE's lending partners for homebuyers who need financing for existing homes, new homes or manufactured homes.

HOPE is an affiliate of JustChoice Lending, which offers a special mortgage product exclusively for low-income homebuyers in Central Appalachia. 502 Direct Loans are funded by the federal government and mortgage payments are based on the household's adjusted income. Getting a 502 Direct Loan provides an opportunity to own your home and build equity for the future. Financing options are available for clients with fixed incomes, those who are self-employed and the working class. A 502 Direct Loan can offer:

  ► no down payment
  ► alternative credit analysis
  ► interest rates as low as 1%
  ► payment assistance
  ► affordable monthly payments

JustChoice Lending also offers 502 Guaranteed Loans to help moderate-income homebuyers purchase homes in rural areas.

JustChoice Lending is backed by the Federation of Appalachian Housing Enterprises (FAHE), a regional network of nonprofit housing providers that is a Certified Fair and Safe mortgage lender with more than 25 years of lending experience.

Planned Communities
HOPE offers affordable, energy-efficient housing solutions through the planned development of new home communities. Custom-built or modular homes are available.

HOPE's Deerfield community is an innovative and environmentally friendly subdivision in Wytheville developed through a combination of federal, state and private funding. Phase I consisting of 18 lots is sold out. Phase II consisting of 12 lots is currently under development and has only two lots remaining. Click here to see the plat of Phase II (pdf).

HOPE's newest planned community under development is Long Meadows in Fort Chiswell, consisting of 23 lots. Homes will be built to Energy Star certification requirements to provide 20%-30% in energy savings to homeowners. Click here to see the plat of Long Meadows (pdf).

Houses of HOPE
The Houses of HOPE program began in 2013 in response to the need to assist low-wealth, disadvantaged individuals with hard-to-develop homes. The program uses volunteer labor and materials to build or repair homes in a Habitat for Humanity-style project.

Contact
For more information about HOPE's homeownership program, contact Amanda Romans, Homeownership Director, at (276) 228-6280, Ext. 216, or email aromans@wythehope.org.

Printable documents (pdf) on HOPE's website require the free software download Adobe Acrobat Reader. Serving the counties of Wythe, Bland, Carroll, Grayson and Smyth and the city of Galax
	United Way of Wythe County	Send email to hope@wythehope.org with questions or comments about this website. Copyright © Helping Overcome Poverty's Existence, Inc. Not affiliated with any entity utilizing the unincorporated name. Last modified:  10/16/17