Housing
The Home Ownership Program
Southside Community Development and Housing Corporation (SDHDC) seeks to expand opportunities for attractive, safe and affordable housing by constructing new homes, and rehabilitating older homes. The Home Ownership Program (HOP) was established as a means to that important beginning. The HOP provides new and rehabilitated homes within the City of Richmond and Chesterfield County for first time homebuyers who meet the HUD income qualification guidelines and who have a satisfactory credit history. A minimum down-payment is required for SCDHC homes.
Through its many programs, the HOP provides opportunities for learning about homeownership and buying a home. Classes are offered to learn about becoming a homeowner both about the process of buying and the responsibilities of owning a home. SCDHC also offer budgeting and credit counseling. Thus, not only does SCDHC build strong homes, but it builds strong homeowners.
HOP is here to serve:
- First time homebuyers or those who have not owned a home for at least three years.
- Families or individuals who have a minimum annual income of $22,000 and must have been employed for at least two years to qualify for the mortgage financing.
Homes of All Kinds
SCDHC has constructed new homes and rehabilitated other homes in the Bellmeade, Blackwell, Manchester, Swansboro,Carver and Church Hill neighborhoods in the City of Richmond. Many homes are available for purchase in these areas also in Chesterfield County.
New residents can join over 200 families in new energy efficient homes. These one and two-story homes have features such as three and four bedrooms, two and one half bathrooms, spacious lots, energy efficient heating and cooling, security systems, and more.
SCDHC is a community-based organization with offices located on Hull Street, where the staff is accessible to the community it serves. SCDHC is an organization with exciting plans for great changes in our community. Programs are offered which encompass areas that affect the quality of life in housing, education, business, and employment. All programs are designed to encourage self-development, promote self-confidence and independence. SCDHC is a 501(c) 3 organization which uses a holistic approach to revitalizing the community.
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