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Free foreclosure help in Virginia

Free foreclosure help exists in Virginia, and who to call first depends on where you are in the process. The Virginia Mortgage Relief Program is closed, so most help today is free counseling, legal aid and complaint handling. Every organization below is a government office or a nonprofit, except the lawyer referral service, which connects you with private attorneys. None of them should charge you an upfront fee to save your home.

Free HUD counselor: (800) 569-4287

Reviewed against Virginia law and official sources on October 12, 2026. General information, not legal advice.

Ask for help in Virginia

Free. A person replies with the options and official help that fit. Messages about a scheduled sale are answered first.

For example: a sale date, what your servicer has told you, or what changed in your income. Please do not include your loan number, Social Security number or bank details.

Free, and there is nothing to buy. A person reads your message and replies by email, or by phone if you leave a number. We never ask for a fee and we do not sell your details. See the privacy policy.

Who to call first, by situation

  • You are not behind yet but expect to be

    As soon as you see trouble coming

    Call your servicer and ask about hardship options, then talk to a HUD-approved housing counselor for free. If Virginia Housing services your loan, Virginia Housing: Foreclosure Prevention Options explains its Borrower's Assistance Program and says not to wait until you miss a payment.

  • You are behind but have no notice of sale yet

    Before you are 120 days behind

    Ask your servicer for a loss mitigation application and send every document it asks for. A HUD-approved counselor can help you fill it out. Virginia Housing borrowers can reach its loss mitigation department through Virginia Housing: Foreclosure Prevention Options.

  • You received the 60-day notice of sale

    Within days; the sale can be as soon as 60 days after mailing

    Call legal aid. Virginia Law Help: Housing connects you with your local legal aid office online or at 866-LEGLAID (866-534-5243). If you do not qualify, the Virginia Lawyer Referral Service can connect you with a private lawyer for a consultation.

    Va. Code § 55.1-321(A), (E)

  • A sale date is advertised

    Today

    Call the person named in the newspaper ad as able to answer questions about the sale, usually the trustee or its attorney, to confirm the date and get a written payoff or reinstatement figure. Then call your servicer about any pending application, and legal aid or a lawyer about stopping the sale.

    Va. Code § 55.1-323(A)

  • Your servicer is not following the rules

    Before the sale if possible

    If your lender or servicer is state-licensed, file a complaint with the Virginia State Corporation Commission: File a Financial Complaint. A missing notice, wrong arrears figures or charges on an old second mortgage can also be raised before the sale, so talk to legal aid too.

    Va. Code § 55.1-321(A1), (F)

  • You got an unlawful detainer summons after the sale

    Before the court date on the summons

    Call legal aid through Virginia Law Help: Housing right away and go to court on the date shown. The Virginia Judicial System Court Self-Help site has a landlord-tenant section that explains how these court cases work.

    Va. Code § 8.01-126

  • A foreclosure rescue company contacted you

    Before you sign or pay anything

    In Virginia it is illegal to collect a fee for foreclosure help before the promised services are fully performed, or before settlement if your home is being sold. Never sign over your deed to someone who says you can stay. Report it through Virginia Attorney General: File a Complaint; Virginia Attorney General: Consumer Protection enforces these rules.

    Va. Code § 59.1-200.1

Official and nonprofit help in Virginia

None of these charge homeowners for foreclosure help.

Virginia Mortgage Relief Program (VMRP)

The Virginia Mortgage Relief Program is closed. Its website now redirects to the Virginia Housing home page. A City of Alexandria notice says the program stopped taking new applications after May 3, 2024. We did not find another statewide mortgage payment program that is open. Virginia Housing offers loss mitigation help to borrowers whose loans it services.

Check the program’s current status

Common questions in Virginia

Where can I find a free foreclosure lawyer in Virginia?

Start with Virginia's legal aid offices. The Virginia Law Help housing page, maintained by the Virginia Poverty Law Center, says to call 866-LEGLAID (866-534-5243) or use its online finder to reach your local office. If you do not qualify, the Virginia Lawyer Referral Service can connect you with a private lawyer.

Is the Virginia Mortgage Relief Program still taking applications?

No. The program is closed and its website now sends you to Virginia Housing's home page. The U.S. Treasury says federal Homeowner Assistance Fund money could no longer be used to help homeowners after 30 September 2026. We did not find another open statewide mortgage payment program in Virginia.

Does Virginia Housing help homeowners whose loans it does not service?

Its mortgage assistance, the Borrower's Assistance Program, is for Virginia Housing borrowers. Its Foreclosure Prevention Options page also points everyone to free housing counseling and a search tool for counselors in Virginia. If another company services your loan, start with that servicer and a HUD-approved counselor.

Step by step

More on foreclosure in Virginia

Understand the process

What is happening and how much time there is.

Weigh your options

What can stop it, and what happens if it goes ahead.

Get help now

Who to call, and what to do when a sale is scheduled.

Back to the Virginia overview

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Sources for this page

  1. Va. Code § 55.1-323 (contents of advertisements of sale)
  2. Va. Code § 55.1-331 (disposition of surplus after death of grantor)
  3. Va. Code § 55.1-1237 (notice to tenant in event of foreclosure)
  4. Va. Code § 8.01-129 (appeal from general district court)
  5. Va. Code § 8.01-470 (writs of eviction; 72-hour notice)
  6. Va. Code § 8.01-471 (time for issuing and executing writs of eviction)
  7. Va. Code § 64.2-1309 (accounts of sales under deeds of trust)
  8. Virginia Judicial System Court Self-Help
  9. Va. Code § 55.1-320 (how deed of trust construed; duties of parties)
  10. Va. Code § 55.1-321 (notices required before sale by trustee)
  11. Va. Code § 55.1-322 (advertisement required before sale by trustee)
  12. Va. Code § 55.1-324 (powers and duties of trustee in event of sale)
  13. Va. Code § 59.1-200.1 (prohibited practices; foreclosure rescue)
  14. Virginia Housing: Foreclosure Prevention Options
  15. City of Alexandria (archived notice): Virginia Mortgage Relief Program
  16. Virginia SCC: File a Complaint
  17. Va. Code § 8.01-126 (unlawful detainer; former owner after foreclosure)
  18. Virginia Law Help: Housing (866-LEGLAID)