Housing Counseling

Homeownership creates stronger communities by fostering stability, integrity and economic growth.  James Valley Housing's Counseling helps families address the many barriers that prevent them from owning their own home, while providing support before, during and after the home buying process.  Such services create long-term, successful homeowners; as a result, families build wealth, revitalize neighborhoods and build strong communities.  Being a home owner is more than just having a roof over your head.  It offers important social benefits, like higher academic achievement, more cohesive communities, better connected families, improved health and safety and a stronger economy.

Free Homebuyer Education Classes

The transition to homeownership is a big commitment. There are several factors to consider. In every step of homebuyer education learn what is right for you. Become better equipped to make financially sound decisions through our Free Homebuyer Education classes. We offer a class every month. Call  for dates and times and register today.

RD Direct Loan Packaging

Direct Section 502 Single Housing Family Housing Loan through the Rural Housing Service which is an Agency of the United States Department of Agriculture. This program assists low- and very-low-income applicants obtain decent housing providing payment assistance to increase an applicant’s repayment ability. We do not work for the Agency; we are an outside loan application packager. James Valley Housing will assist you in applying for a loan through the Agency. We do not guarantee that your loan will be approved or funded by the Agency. To find out if you qualify for an RD Direct Loan, click on the Eligibility Form below.

Governor's House Program

The Governor's House is a reasonably sized, affordable home available to income qualified households.  It can serve as a great starter home for a young family or an easy to maintain retirement home.

The Governor's House program puts prison inmates to work learning marketable skills for life outside of prison, while providing affordable energy efficient, low maintenance homes to those who may otherwise not be able to afford one.  The simplified home design, in conjunction with the Governor's Inmate Training program, keeps the cost of these homes affordable.

To find out if you qualify for the Governor's House program, click on the button below.