HomeNet Homeownership Center

Strengthening Norfolk’s neighborhoods. One person, one home, one dream at a time.


HomeNet, a component of the Norfolk Redevelopment and Housing Authority (NRHA) is a full-service home ownership center which partners with local lending institutions, attorneys, housing developers, realtors, and local, federal and state housing agencies to assist prospective home buyers acheive the dream of home ownership.

Our Mission is to demystify the home buying process and empower participants to make informed decisions during the often complex home buying process.

Our Customers are prospective home buyers who choose Norfolk as the place to make their dream of home ownership a reality.

Our Benefits include a “one-stop shop” to facilitate individual goals in achieving home ownership:

  • Development of Strategic Plan to Overcome Home ownership Obstacles
  • Comprehensive Credit Counseling
  • Pre- and Post-Purchase Home buyer Counseling
  • VHDA-approved First-Time Homebuyer Education Class
  • 16-Month Homebuyer Club
  • Qualified Lenders, Realtors & Attorneys
  • New Construction Homes
  • SPARC Interest Rate Discount (Up to 1% on a VHDA mortgage loan)
    Note: Although HomeNet homebuyers are encouraged to make a VHDA loan, they are not required.

HomeNet Application

Our Programs

  • Homeownership Education
    Since 1997, HomeNet has been demystifying the home buying process for hundreds of residents. We offer classes in homeownership education both monthly and through our 16-month homebuyers club. Topics include, understanding your credit, choosing a real estate agent, the role of the lender, why you may want a home inspection, protecting your investment from predators, and foreclosure prevention.
    To register or obtain a class schedule, please call 757.314.4202.
  • Virginia Individual Development Account Program (VIDA)
    VIDA is a special savings account program for low-income households that triples participant’s savings to be used toward home ownership: VIDA matches $2 for every $1 you save in a VIDA account. Matching funds are limited to $4,000 per participant with a maximum of two participants per household. 
  • Homeward Norfolk
    The Homeward Norfolk grant provides up to $20,000 dollars in down payment and closing cost assistance to first time homebuyers with incomes between 80-120% AMI (see chart below), that are looking to live in three specific neighborhoods in Norfolk; Ingleside, Monticello Village and Oakdale Farms. All applicants must receive education and counseling through the NRHA HomeNet Homewnership Center in order to receive funds.


Income Guidelines


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80% AMI









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120% AMI



















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NOTICE OF NONDISCRIMINATION - NRHA provides equal housing and employment opportunities for all persons. NRHA does not discriminate against any applicant, resident or employee on the basis of disability, age, race, color, religion, gender, familial status or national origin in the admission, access or operations of programs, services or activities. NRHA complies with Title VI of the Civil Rights Act and the Americans with Disabilities Act. An internal grievance procedure is available to resolve complaints. If you feel you have been discriminated against, you have the right to file a complaint of discrimination  by calling toll free (888) 799-2085. Qualified individuals who need communication aids, services or other accommodations to participate in programs and activities are invited to make your needs known to the 504/ADA Coordinator, Kim Thomas (757) 623-1111. Please give NRHA at least seven to ten days advance notice to meet your needs