top of page
Rapid Rehousing


RCCR's housing counselors are trained to assist you in foreclosure prevention.  We assist homeowners who are at risk of foreclosure and otherwise struggling with their monthly mortgage payments. Please contact Nancy Jones at (304) 346-6398 or submit an inquiry for assistance.

West Virginia Homeowner Rescue Program  (WVHR)

The West Virginia Homeowner Rescue Program  (WVHR) assists West Virginia homeowners facing a financial hardship due to the COVID-19 pandemic that began after January 21, 2020 (including a hardship that began before January 21, 2020, and continued after that date).

WVHR Program Eligibility

The Homeowners Rescue Program is for West Virginian homeowners who have experienced a financial hardship related to COVID-19. You do not have to currently have a mortgage to apply for this program to receive assistance.

HO RESCUE flyer revised 11-221024_1.jpg

Homeowners applying must meet all four of the following requirements:

  • The applicant must currently own and occupy the property as the primary residence located in West Virginia

  • Household income cannot exceed 150% Area Median Income (AMI) for the county of residence. To view your county’s AMI visit (Is there a public resource for this? I know USDA/HUD puts out income limits but this would be good to offer here)

  • The applicant must describe and attest to a financial hardship experienced after Jan 21, 2020.

  • The applicant must be delinquent at least 60 days on their mortgage loans or past due at least one installment on other covered housing expenses.

Eligible Experiences:

  • Up to $20,000 for past due mortgage payments

  • Up to $1000 for certain downpayment loans

  • Up to $5,000 for past due real property taxes, hazard insurance premiums, flood or wind insurance premiums, ground rents, condominium fees, cooperative maintenance fees, planned unit development fees, homeowners association fees or common charges that threaten sustained ownership of the property.

  • Up to 2,500 to cover past due utilities including electric, gas, home energy, water and sewer bills.

  • A one-time 300 internet stipend to help pay internet service bills.

How to Avoid Foreclosure

When you are facing losing your home to foreclosure it is a scary time and there are a few things to be aware of.

  • Communicate With Your Lender

    • If you know you are going to have trouble making payments you need to communicate with your lender before you start missing bills. The foreclosure counselors at RCCR can help with how to communicate this to your lender.

  • Be Aware of Foreclosure Scams

    • These can take many forms, from traditional media to online advertisements claiming they can stop you from going into foreclosure. To ensure you are not getting false legal advise or being scammed you can find a government certified housing counselor like RCCR through the HUD website.

  • Mortgage Refinancing

    • Refinancing your mortgage allows you to pay off your existing mortgage and take out a new mortgage on new terms. You may want to refinance your mortgage to take advantage of lower interest rates, to change your type of mortgage, or for other reasons. To see if this option is right for you please contact our housing counselors to go through the specifics.

Contact RCCR to Get Started


If you are facing foreclosure, please contact the certified housing counselors at RCCR today. Call Nancy Jones at (304) 346-6398.

Frequently Asked Questions

What is a foreclosure prevention option?

  • A deed in lieu is an option to prevent foreclosure if you do not have a large amount of equity in your home.  Also, a short sale which may pay off part of the loan.

What programs are available to prevention foreclosure?

  • WV Homeowners Rescue

What is an acceptable mortgage payment history for foreclosure prevention?

  • Try to pay on time consistently

Programs for veterans who are in foreclosure prevention.

  • Contact the VA for assistance because they offer special programs for veterans.

bottom of page