Frequently Asked Questions
NRHA maintains a list of affordable apartments in Norfolk. This list is not currently available online, but we will be glad to fax or mail it to you.
For a listing of private rental apartments available in Norfolk, call Christine Taylor at (757) 624-8643 and provide your mailing address and the number of bedrooms you will need.
No subsidy is provided for these apartments.
Property Rehabilitation Programs
Equity Secure Program
The Equity Secure Program provides assistance to eligible homeowners for the rehabilitation of their homes to correct health and safety violations, meet property standards, and address exterior aesthetic improvements. Homeowners can receive up to $25,000 for rehabilitation and receive:
- An opportunity to renovate property to today’s standards
- Flexible and affordable financing with no monthly payment
- Technical assistance in planning all needed property repairs
- Repair or replace, as needed, plumbing, heating, electrical, roof, structural systems
- Provide handicap accessibility alterations to achieve decent, safe, sanitary conditions up to a level of prescribed standards
- Perform eligible exterior aesthetic improvements
- Reduce or eliminate lead-based paint hazards identified on surfaces being disturbed during rehabilitation.
Type Of Assistance
Financial assistance is provided as part grant, part due-on-transfer loan, with no interest and no monthly payments. The amount to be repaid is based on the increase in property value created by the repairs and becomes due upon transfer of ownership of the property. All the owner has to pay are closing costs, which are usually less than $300. The only security required is a promissory note secured by a recorded deed (lien) of trust in the amount of increase in the property’s value resulting from the repairs.
- Household income must be less than or equal to income limits provided by the
Department of Housing and Urban Development. See chart below.
- Mortgage must be current for no less than three months prior to application for assistance. Borrower must also remain current during time of processing.
- Homeowners insurance must be current.
- Applicant must have legal interest in the property and reside in the property.
U.S. Department Of Housing And Urban Development
2006 Income Guidelines
Number of Persons in Household
Maximum Annual Household Income
Income guidelines revised annually.
What to Expect
- Initial contact, screening, and preliminary qualification via telephone interview.
- After preliminary qualification, formal interview scheduled.
- Interview conducted with NRHA staff. Client is given an overview of program and financial application is initiated.
- Appropriate financial verifications requested by Finance Specialist.
- Construction Specialist will be assigned to meet with homeowner and thoroughly inspect the property to develop a construction write-up.
- Construction specifications completed, bid process occurs, and contractor selected by the homeowner.
- Financial application is completed.
- Loan settlement is conducted.
- Work begins.
Once work is under way, progress payments are paid to the general contractor only for work performed and inspected. Final payment is held until the job is completed. A one-year warranty is extended to the property owner for all work completed by the contractor.
Aesthetic Improvement Grant Program
This program is designed to provide financial incentives to homeowners and investors of residential property to undertake upgraded exterior improvements to enhance the property's aesthetic quality.
- Matching Grant
- Homeowners allowed up to $5,000 per property, subject to funding availability
- Program establishes a certain aesthetic quality of properties within the Conservation Neighborhood
- Qualified improvements may include landscapin, fencing, exterior lighting, window shutters, architectural-grade roof shingles and exterior surface improvements, etc.
- NRHA will determine project eligibility and qualified improvements
- Property must meet all applicable code and conservation program rehabilitation standards to qualify
- Applicant must provide owner, property and household information and a copy of their current property insurance policy
- Real estate taxes must be current
- 100% match required of owner
- Maintenance agreement required
- Homeowner can only receive grant one time, per property
- Grants are subject to funding availability
For more information, contact your neighborhood conservation specialist:
- Lamberts Point
- Park Place
- Villa Heights
- Ballentine Place
- Campostella Heights
- Central Brambleton
- Chesterfield Heights
- Cottage Line
- East Ocean View
- Fairmount Park
- Haynes Tract
- West Ocean View
Emergency Repair Grant Program
This income-restricted program is designed to address health or safety issues that might result in injury to the home’s occupants with a grant of up to $10,000. It is available in non-conservation neighborhoods.
In order to qualify, applicants must meet the following criteria:
- Verifiable legal ownership and one-year minimum occupancy of the property
- Mortgage, real estate taxes, and homeowners insurance payments must be up-to-date
- Family income must fall within HUD low/moderate income limits
- Liquid assets (savings, stocks, bonds, etc.) must not exceed $12,000
After Verification of Eligibility Requirements
- NRHA representative inspects property to determine eligible items for repair
- NRHA prepares work specifications and obtains competitve bids from qualified contractors
- Upon completion of the job, NRHA inspects the work performed and pays the contractor
- The grant can also be used to assist physically challenged homeowners with basic accessibility property improvements
To learn more about the Emergency Repair Grant Program or to request an application, please call 757-314-2089
To reach the HomeNet Homeownership Center Hotline, call 757-623-0458 anytime.
Resident programs and services run the gamut from referrals for healthcare, job training, and job applications to classes for homeownership. Almost all of our programs support the goals of self-sufficiency by encouraging personal responsibility.
A resident services specialist in each NRHA public housing neighborhood coordinates opportunities for residents to develop or enhance their social, educational, and employment skills. Their improved skills contribute to the empowerment and economic independence of the individual, the family, and the community.
Family Self-Sufficiency Program
Through this program families learn to set and reach goals. Working with their neighborhood’s resident services specialist, each family identifies goals that will help them become self-sufficient and economically independent. Then NRHA sets aside a portion of the resident’s rent in an escrow account to be used by the resident to reach the agreed-upon goal.
To participate in the program, a resident enters into a contract with NRHA for a specified period of up to five years. The rent amount on the effective date of the Contract of Participation is considered the baseline rent. As the rent goes up because of increases in earned income, the difference between the new rent and the baseline rent is deposited into the escrow account.
For example, if the baseline rent is $50 and the rent increases to $200 because of employment, approximately $150 is deposited into the escrow account each month, resulting in $1800 saved over a 12-month period. Five years of savings could be used to pay off debt, put a down payment on a car, or even better, put a down payment on a home.
Here families learn ways to beautify their homes and communities. Activities include a beautiful yard contest, holiday-door decorating contest and community clean-ups. Residents are taught how to plant windowsill gardens, make window treatments, and a variety of other decorating skills. This is a perfect complement for the family working toward homeownership.
Residents become better leaders in their homes as well as in their communities through learning about the services and programs offered by NRHA and the City of Norfolk. The more residents know about these agencies and their departments, the more they are empowered to use them for their benefit. For instance, residents learn the right department to call for problems with a traffic light or trash pick-up.
Neighborhood Network Program
This program provides the place and tools to increase self-sufficiency and employment opportunities through a variety of computer-based services, such as GED preparation, computer literacy, driver’s training, and job searches. The Neighborhood Network has 12 Internet-connected computers, printers, and a driving simulator.
Elderly and Disabled Services
Elderly and disabled residents can receive help with issues ranging from Supplemental Security Income applications to assisting grandparents who are raising grandchildren. Through NRHA’s service coordination program, senior and disabled residents are linked to the specific supportive services they need.
NRHA also operates a Senior Center, located in the Young Terrace Community. Phone: 314-4215. Hours are 9:00 a.m. to 2:00 p.m. with lunch provided by Senior Services of Southeastern Virginia. The center provides a warm and vibrant atmosphere for seniors to socialize and participate in activities such as quilting, arts and crafts, board games, and exercise.
Community Service and Self-Sufficiency Program
This HUD-mandated program enables residents to give back to their community while enhancing their employability skills. Adults between the ages 18 and 62 are required to participate by volunteering at least 96 hours in 12 months unless they meet one of the criteria for exemption. Exemptions are available for disabled persons, caretakers of disabled persons, caretakers of children under 12 months, childcare providers for a community service participant, and active participants in the Family Self-Sufficiency program, job training program, or educational program.
Groups of five or more residents in public housing can receive free transportation to NRHA-sponsored programs. Enrollment in the program and a transportation request are all that’s needed.
If you are already in the Housing Choice Voucher Program (Section 8) and want to transfer to Norfolk, Va., please submit a Request to Transfer to your current housing authority. If the staff there determines that you’re eligible to transfer, they will forward your portability package to NRHA. Once you know that they’ve sent us your package, please contact us to schedule an appointment. Our goal is to make an appointment with you within 10 days of your contacting us.
When requesting a transfer to Norfolk, please provide your current housing authority with the following information:
Norfolk Redevelopment & Housing Authority
P.O. Box 968
Norfolk, VA 23501
Attn: Gail Austin
Phone: (757) 314-1638
Fax: (757) 314-1307
- About NRHA
- Meet Our Team
- Statistical Summary
- Frequently Asked Questions
- Freedom of Information Act
- News and Events