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© HOUSING OPPORTUNITIES MADE EQUAL OF VIRGINIA, INC. A Comprehensive Guide to In Metro Richmond and South Central Virginia www.HOMEofVA.org Facebook.com/HOMEofVA Twitter: @HOMEofVA AFFORDABLE RENTAL HOUSING LAST UPDATE JANUARY 2012
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Page 1: AFFORDABLE RENTAL HOUSING - HOME of VAhomeofva.org/Portals/0/A7CD644038AA090230BDE23DE96... · AFFORDABLE RENTAL HOUSING ... Lists apartments in which rent is not based on income

© HOUSING OPPORTUNITIES MADE EQUAL OF VIRGINIA, INC.

A Comprehensive Guide to

In Metro Richmond and South Central Virginia

www.HOMEofVA.org

Facebook.com/HOMEofVA Twitter: @HOMEofVA

AFFORDABLE RENTAL HOUSING

LAST UPDATE JANUARY 2012

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© HOUSING OPPORTUNITIES MADE EQUAL OF VIRGINIA, INC.

HOME is a private, nonprofit organization that provides a complete range of housing counseling services, community programs in fair housing and assistance to victims of housing discrimination. HOME seeks to ensure access to housing for all people.

HOME’S SERVICES INCLUDE: Superior Tenant Classes to learn about

your rights and responsibilities (call for

locations and times).

Credit recovery and money

management classes.

Help with information about

predatory loans.

Help in avoiding foreclosure.

Help in purchasing a home.

Down payment assistance for first-time

home buyers.

Information about low-cost financing

and special programs.

Investigation of fair housing complaints

Action to combat discrimination.

IF YOU NEED HELP WITH A LANDLORD DISPUTE, PLEASE CALL DEPARTMENT OF CONSUMER AFFAIRS AT 804.786.2042. IF YOU FEEL YOU HAVE A CASE OF DISCRIMINATION, PLEASE CALL HOME AT 804.354.0641. HOME CANNOT HELP YOU FIND AN APARTMENT OR HELP YOU SECURE FINANCIAL ASSISTANCE. PLEASE READ THIS BOOK FOR ANSWERS TO MANY OF YOUR QUESTIONS OR CALL UNITED WAY FOR THIS HELP AT 1.800.230.6977.

© 2012 HOUSING OPPORTUNITIES

MADE EQUAL OF VIRGINIA, INC.

626 East Broad Street, Suite 400 Richmond, Virginia 23219 804.354.0641 Fax: 804.354.0690 VA relay 711 www.HOMEofVA.org

HOME HAS NOT INSPECTED THE PROPERTIES IN THIS BOOK AND CANNOT GUARANTEE THEIR CONDITION. LISTING IN THIS BOOK ALSO DOES NOT IMPLY ANY GUARANTEE BY HOME THAT THE MANAGEMENT IS ABIDING BY ANY LAWS APPLICABLE TO HOUSING. CURRENT APARTMENT VACANCIES AND UP-TO-THE-MINUTE PRICE INFORMATION ARE NOT FOUND IN THE GUIDE. PRICES MAY HAVE CHANGED BY THE TIME YOU SEE THIS GUIDE. APARTMENTS ARE LISTED AS ACCESSIBLE TO PEOPLE WITH DISABILITES BASED ON THE LANDLORD’S STATEMENT. HOME HAS NOT INSPECTED THESE APARTMENTS TO DETERMINE THE DEGREE OF ACCESSIBILITY.

HOME is certified by the U.S. Department of Housing and Urban Development for all

forms of housing counseling; its programs are certified in the Commonwealth of

Virginia under the Neighborhood Assistance Act.

This booklet is published with the financial assistance of the City of Richmond’s

Department of the Community Development and HOME. The author and publisher

are solely responsible for the accuracy of the statements and interpretations

contained in this publication. Such interpretations do not necessarily reflect the view

of the government.

HOME offers a group seminar called: “Superior

Tenant Training” which provides information

on searching for housing and other aspects of

renting. These classes are free. Please call for

locations and times.

1

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2 © HOUSING OPPORTUNITIES MADE EQUAL OF VIRGINIA, INC.

TABLE OF CONTENTS PART 1: GOVERNMENT SUBSIDIZED HOUSING Explains the government-assisted housing programs and lists apartment complexes where the rent is based on income.

PUBLIC HOUSING Richmond 4 Petersburg 5 Hopewell 6

HOUSING CHOICE VOUCHER (SECTION 8) RICHMOND AREA Richmond City 7 Hanover 9 Henrico 9

TRICITIES Petersburg 10 Colonial Heights 11 Hopewell 11 SOUTH CENTRAL Emporia 11 Farmville 11 South Boston 11

PART 2: AFFORDABLE COMPLEXES Lists apartments in which rent is not based on income and to which anyone may apply. Some may participate in housing assistance programs.

RICHMOND AREA Richmond City 12 Chesterfield 16 Hanover 17 Henrico 17

TRICITIES Petersburg 18 SOUTH CENTRAL Emporia 19 Farmville 19

PART 3: RENTAL FIRMS AND MANAGEMENT Lists landlords and realty companies in the area that rent different types of properties (houses, duplexes, apartment buildings, and rooms). Information about location, property descriptions, and rental requirements is included. Some of the companies in this section will work with people with credit problems. These companies do not offer Section 8 housing.

RENTAL FIRMS/ MANAGEMENT COMPANIES Richmond Metro Area 20 Tricities 21 South Central 21 LANDLORDS WHO MAY WORK WITH PEOPLE WITH CREDIT PROBLEMS 22

PART 4: RIGHTS AND RESPONSIBILITIES 23 UTILITIES 23 FAIR HOUSING 24 TIPS FOR TENANTS 25 TIPS ON CRIME PREVENTION AND SAFETY 29 CREDIT AND BUDGETING 32 APARTMENT CHECKLIST 35 WHAT YOU SHOULD KNOW ABOUT LEAD PAINT 38 RULES OF RENTING 39 EMERGENCY HOUSING AND LEGAL HELP 40 ENERGY EFFICIENCY 40

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3 © HOUSING OPPORTUNITIES MADE EQUAL OF VIRGINIA, INC.

GOVERNMENT SUBSIDIZED HOUSING

The apartment complexes in Part 1 have

government-assisted housing programs for

people whose income makes it hard for them

to find affordable housing. The rent in these

complexes is based on your income. You will

be charged approximately 30 percent of your

adjusted gross monthly income for rent. For

instance, if your adjusted gross monthly

income is $350.00, you would pay $105.00 for

rent. Some programs have a utility allowance.

Each government assisted housing complex

has its own standards of eligibility, which will

take into account your income, your family

size, your credit record, and your rental

history. Most complexes also do criminal

history checks. Some complexes use a

“preference system” to determine who gets in

first. Ask the complex where you are applying

how you might qualify as a preference. The

funding for assisted housing programs comes

from the U.S. Department of Housing and

Urban Development (“HUD”). HUD may

change the regulations concerning these

programs at any time.

Three different types of assisted housing programs are found in this guide: They are PUBLIC HOUSING, SECTION 8, and RAP. In all of these programs, your rent is based on your monthly income.

SECTION 8 Section 8 is a government assisted housing program of apartment complexes that

were built or renovated under the Section 8 program. To apply for a Section 8

complex, you must visit the apartment complex in person. Many complexes have

waiting lists and may take applications only during certain months of the year. It is a

good idea to call the complex on the phone to get the correct information about

application procedures before visiting. The Section 8 complexes are managed by

private management companies and are not necessarily related to each other or to

the Housing Authority. If you are accepted by a Section 8 complex, your rent will be

no more than 30 percent of your income because deductions may be made for the

cost of utilities and child care expenses. Medical expenses will also be considered for

elderly and disabled participants. If the deductions add up to more than 30 percent

of your income, you may not have to pay rent.

PUBLIC HOUSING Public housing is the most widely known form of government-assisted housing. It

was established to provide decent and safe rental housing for eligible low-income

families, the elderly, and persons with disabilities. Richmond Redevelopment and

Housing Authority manages the public housing program, which is available only in

the City of Richmond and not in the surrounding counties. In public housing, there is

currently a minimum rent of $50.00, even if 30 percent of your gross income is less

than that.

To apply for public housing, contact the Richmond Redevelopment and Housing

Authority at 804.780.4908, TDD 804.255.0538, or visit RRHA at 918 Chamberlayne

Parkway.

NOTE: There is another type of Section 8 program

that is not related to the complexes in PART 1. This is

the SECTION 8 Existing program, in which you apply

for a HOUSING CHOICE VOUCHER at Richmond

Redevelopment and Housing Authority (RHA)

(804.780.4908) or Chesterfield Housing Services

(804.717.6832). With the voucher, you find your own

apartment and ask the landlord if he or she will

accept it. The voucher will state the maximum

number of bedrooms and the maximum amount of

rent you may spend for a house or an apartment; you

may go over that amount and spend your own

money if you want to. If the owner agrees to rent to

you under the Section 8 program, you must have

your lease approved by the Housing Authority before

you sign it. The Housing Authority will also do an

inspection of the property. The Section 8 Existing

program frequently closes down and may not be

taking applications. Call the Richmond RHA or

Chesterfield Housing Services to find out when you

will be able to apply for a voucher.

RENTAL ASSISTANCE PAYMENTS (RAP) The RAP program is another source of assistance for low-income families. Like

Section 8, if you qualify, your rent will be 30 percent of your gross income, minus a

utility allowance. There are certain apartment complexes that participate in this

program. To apply, you should visit the apartments listed in this guide as RAP

participants.

PART 1: Government Subsidized Housing

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PART 1: Public Housing

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RICHMOND CITY CENTRAL

700 S. Lombardy 1 x x x x x x 2 blocks yes

700 S. Lombardy Avenue

(804)-780-4375

RRHA

Gilpin Court x x x x x x 1 block yes

1000 St. John Street

(804)-780-4756

RRHA

RICHMOND CITY EAST

Creighton Court x x x x x x 1 block yes

2101 Creighton Road

(804)-780-4873

RRHA

Fairfield Court x x x x x x 2 blocks playground yes

2506 Phaup Street

(804)-780-4910

RRHA

1611 Fourth Avenue 1 x x x x x x 1 block elderly only yes

1611 Fourth Avenue

(804)-780-4791

RRHA

Fulton x x x x x x 2 blocks yes

1221 Admiral Gravely Boulevard

(804)-780-4804

RRHA

Mosby Court x x x x x x 1 block playground yes

1543 Coalter Street

(804)-780-4901

RRHA

Whitcomb Court x x x x x x 1 block yes

2302 Carmine Street

(804)-780-4889

RRHA

RICHMOND CITY NORTH

Frederic A. Fay Towers x x x x x x 1 block yes

1202 North First Street

(804)-780-4806

RRHA

elderly and disabled only,

laundry on-site

1

2

3

4

5

1

2

3

4

playground, recreation

cCenter

1

2

3

4

2

3

4

5

e 1

2 3

4 5

1

2

3

4

e

1

elderly and disabled only,

laundry on-site

4

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PART 1: Public Housing

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RICHMOND CITY souTH

1200 Decatur 1 x x x x x x 1 block yes

1200 Decatur Street

(804)-780-8814

RRHA

1920 Stonewall 1 x x x x x x 1 block yes

1902 Stonewall Avenue

(804)-780-8810

RRHA

Hillside Court x x x x 1 block yes

1500 Harwood Street

(804)-780-8800

RRHA

Melvin C. Fox Manor 1 x x x x x x 1 block yes

18 W 27th Street

(804)-780-8816

RRHA

PETERSBURG

Pecan Acres x x x x x x playground yes

433 Pecan Street

(804)-733-2230

PRHA

Sycamore Towers x x x x x x yes

128 S Sycamore Street

(804)-733-2248

PRHA

North Valor 2 playground, laundry yes

433 Pecan Street

(804)-733-2230

PRHA

Pin Oaks Estate x x x x x x playground, laundry yes

433 Pecan Street

(804)-733-2240

PRHA

Washington Collums yes

633 W Washington Street

(804)-732-6300

PRHA

elderly and disabled only

elderly and disabled only,

laundry onsite

elderly and disabled only,

laundry onsite

recreation center,

playground

laundry onsite, elderly

and disabled only

elderly and disabled only

1

2

3

4

5

1

2

3

4

e

1

2

1

2

3

4

1

2

5

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PART 1: Public Housing

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Gilhaven Manor 1 x x x x x 1 block yes

500 Farmer Street

(804)-733-2255

PRHA

HOPEWELL

Davisville and Bland x x x x x x playground, laundry yes

239 S. 8th Avenue

(804)-458-5160

HRHA

Kippax x x x x x x playground, laundry yes

100 S. Kippax Street

(804)-541-0311

HRHA

Piper Square x x x x x x playground, laundry yes

1529 Piper Square Drive

(804)-541-0392

HRHA

Langston Park x x x x x x playground, laundry yes

239 S. 8th Avenue

(804)-458-5160

HRHA

Thomas Rolfe Court x x x x x x playground, laundry yes

239 S. 8th Ave

(804)-458-5160

HRHA

1

2

3

4

5

1

2

3

4

elderly and disabled only

1

2

3

4

e

1

1

2

3

4

6

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PART 1: Housing Choice Voucher (Section 8)

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RICHMOND CITY CENTRAL

Dominion Place x x x x x x 1 block elderly (62+) yes

1025 W. Grace Street

(804) 355-9114

Beacon Residential Management

Shockoe Hill x x x x 1 block elderly, disabled only yes

210 Hospital Street

(804) 343-1115

Main Street Realty

Shockoe Hill II & III e x x 1 block yes

206 Hospital Street, 210 Hospital Street

(804) 343-1115

Main Street Realty

Virginia Rentals Section 8 and 1 block fenced in property some

1311 Wallace Street

(804) 358-5809

Virginia Rentals

RICHMOND CITY EAST

Bowler Retirement Community x x x x x x yes

608 North 26th Street

(804) 644-5607

Main Street Realty

Church Hill House x x x x x x 1 block elderly (50+), disabled yes

2400 Burton Street

(804) 344-3260

Winn Management

Fairhills Apartments Section 8 x x x on site laundry on site yes

1329 Coalter Street

(804) 643-3959

Genesis

Fairmont House e, Section 8 and x x 1 block elderly (62+), disabled yes

1501 N. 21st Street

(804) 783-0122

Winn Management

Jefferson Townhouses 1 block No

1901 K Venable Street

(804) 643-1131

Genesis

1 Section 8

(30% of

income)

e,

1

1,2 Section 8 and

236

Section 8 and

236

1,2

,3

Section 8 and

236

1,2

,3,

4

across

street

elderly (55+), disabled

only

washer/dryer, direct tv,

wireless internet, alarm

system, microwave

Section 8 and

236

e,

1

Section 8 and

236

elderly (55+), disabled

only

varies (some

sewer/water/

trash)

1,2

,3,

4

7

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PART 1: Housing Choice Voucher (Section 8)

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RICHMOND CITY NORTH

Newman Village x x x 3 blocks

4053 Old Brook Road

(804) 329-7432

F&W Management

RICHMOND CITY SOUTH

Blue Ridge Estates x x x on site yes

6507 Maple Sugar Drive

(804) 276-7950

Beacon Residential Management

Charleviox x x x x x x 4 blocks yes

5600 Charlevoix Court

(804) 232-1207

Amurcon Realty

Charnwood Forrest x x x x x x 1 block yes

4325 Crutchfield Street

(804) 232-3130

Amurcon Realty

Chesterfield Square 1 Section 202 x x x 1 block yes

1017 Hioaks Road

(804) 320-6795

Drucker and Falk

Midlothian Village HUD x x x 1 block

4000 Midlothian Turnpike

(804) 231-0291

Hercules Management

The Renaissance x x x x x x 1 block yes

1021 German School Road

(804) 320-8898

Amurcon Realty

Ruffin Road Apartments Section 8 x x x on site laundry, playground yes

2219 Ruffin Road

(804) 233-6182

Edgewood Management

Sts. Cosma & Damianos Section 8 x x x 1 block yes

1030 German School Road

(804) 330-4962

Amurcon Realty

1,

2

Section 8 and

Tax Credit

RAP

Section 236

2,

3

RAP

Section 236

pool, laundry, playground some

1,2

,3,

4

Section 8 and

tax credit

laundry facility,

playground

elderly (55+), disabled

only

1,2 elderly (62+), disabled

only

elderly (62+), 18+ if

disabled Only

2

3

laundry, playground,

basketball

yes,

some

elderly (62+), disabled

only

income based1

2

1,2

,3

elderly (62+), or mobility

impaired only

e

1

8

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PART 1: Housing Choice Voucher (Section 8)

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Town & Country Section 8 va 3 blocks playground, pool yes

1402 Barriedale Road

(804) 276-1899

Quest Management Group

Woodland Crossings Section 8 x x 1 block no

3465 Walmsley Boulevard

(804) 271-0002

The Shelter Group

RICHMOND CITY

Randolph Place 1 Section 8 x x x 1 block yes

300 S. Randolph Place

(804) 353-1809

Better Housing Coalition

HANOVER COUNTY

1 Section 8 x x must be 62+ yes

7105 Brooks Farm Road

(804) 730-5625

Community Management

Harbor Square Section 8 x x yes

7102 New Hunter Road

(804) 730-1284

American Apartment Management

HENRICO COUNTY EAST

Country Place Section 8 x x x 1 block hot water yes

111 Starbuck Court

(804) 737-7830

Amurcon Realty

Coverntry Gardens Section 8 x x 1 block yes

201 Newbridge Circle

(804) 737-7391

Morton G. Thalhimer

Essex Village Section 8 x x x 1 block playground yes

3901 Pilots Lane

(804) 329-5820

American Rental Management Co.

Henrico Arms Section 8 x x x x x x 1 block playground

1664 Henrico Arms Place

(804) 222-0542

Housing Management Resources

1, 2 apt

2, 3 th

Christian Village of Central Virginia.

A Non-Denominational Housing Facility

1,

2

elderly (62+), disabled

only

basketball court,

playground

2,

3

eldery (62+), disabled

only

1,

2,

3

1,

2,

3

yes

2,

3,

4

2,

3

playground, laundry

rooms

9

Page 11: AFFORDABLE RENTAL HOUSING - HOME of VAhomeofva.org/Portals/0/A7CD644038AA090230BDE23DE96... · AFFORDABLE RENTAL HOUSING ... Lists apartments in which rent is not based on income

PART 1: Housing Choice Voucher (Section 8)

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Williamsburg Villiage Section 8 x x x 1 block laundry no

1634 A Thalia Crescent

(804) 222-8610

OFPI

HENRICO COUNTY WEST/NORTH

Aspen Station Section 8 x x x

1500 Forest Run Drive

(804) 266-7627

Bell Partners Inc

Beth Sholom Woods 1 Section 8 x x x x x x yes

2027 Lauderdale Drive

(804) 741-4691

Beth Sholom Home

Hope Village Section 8 x x x

1605 Hope Road, Suite E

(804) 264-5934

CT Management

Marywood 1 Section 8 x yes

1261 Marywood Lane

(804) 740-5567

Coordinated Services

Place One 1, Section 8 x x x 2-4 blocks playground some

4222 Almora Avenue

(804) 266-5511

Hediger Incorp.

PETERSBURG

Brighton Manor Apartments Section 8 x x x 1 block yes

36 North Union Street

(804) 862-9924

Excel Property Management

Carriage House Apartments Section 8 x x x x x x on site elderly 55+, disabled yes

135 West Old Street

(804) 733-6225

AIMCO

LaFayette House Section 8 x x x 1 block 62+ and handicapped yes

214 S. Sycamore Street

(804) 862-1450

Wheatstone Management

e,

1

elderly (62+), or mobility

impaired only

62+ and/or handicapped,

laundry

playground, community

center, central air

1 unit

1,2

,3

th

1,

2,

3

playground, pool, tennis,

basketball

11

units

62 + and mobility

impaired only, laundry,

rehab clinic, generator,

meal plan, transportation

1,

2,

3

1,

2

1,

2

10

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PART 1: Housing Choice Voucher (Section 8)

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Landmark Apartments Section 8 x x x 2 blocks family yes

450 Van Buren Drive

(804) 861-5012

Newport Management

COLONIAL HEIGHTS

Colonial Ridge Apartments Section 8 x x x yes

15101 C Lorimer Road

(804) 526-0053

Drucker and Falk

HOPEWELL

Hopewell Heights Section 8 x x x playground, laundry yes

4105 Old Iron Court

(804) 458-1961

National Development Corporation

EMPORIA

Brook Ridge Apartments Section 8 yes

1325 Skippers Road

(434) 348-7700

Whitley Heatwhole

Trinity Woods Apartments 1 Section 8 x x x x must be 62+ yes

200 2nd Street

(434) 348-9354

Richard Bretfort

FARMVILLE

Park View Gardens Section 8 x+ 1 block laundry, playground yes

204 Parkview Drive

(434) 392-3189

VIP Management Inc

SOUTH BOSTON

Country Green Apartments Section 8 x x x yes

1000 E. Bishop Drive

(434) 575-0230

TM Associates

Rose Hill Apartments Section 8 x some

111 Rosehill Drive

(434) 572-8811

Laundura Properties

1,2 elderly, disabled, laundry

on site

2,

3

1,

2,

3

playground, basketball,

YMCA on site

1, 2

mid

2- 4

th

2,3 playground, laundry, walk-

in closets, private patios,

cable

1,

2,

3

1,

2,

3

laundry, playground,

basketball

11

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PART 2: Affordable Complexes

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RICHMOND CITY CENTRAL

Affordable Historic HSG of Richmond

(St. Andrews)

x x 1 block yes central air, laundry yes

Cumberland and Linden

(804) 354-9455

Better Housing Coalition (BHC)

Exchange Alley 1 $690 x x x x x x no yes

10 S. 14th Street

(804) 861-8844

Central Virginia Properties

The Mayflower e $550 x x x 1 block yes no

1206 W. Franklin Street

(804) 225-8655

Metro Properties

The Merlin 1 $640 x x 1 block no no

1207 W. Franklin Street

(804) 225-8655

Metro Properties

Richmond Dairy Apartments x x x 1 block yes some

201 West Marshall Street

(804) 788-8888

Colony Management Corp.

Virginia Rentals 1 block some

1311 Wallace Street

(804) 358-5809

Virginia Rentals

RICHMOND CITY EAST

Bradford Manor $555 x x x 1 block yes yes

21st St. & Fairfield Avenue

(804) 343-9700

Artcraft Management

Fairhills x x x x x 1 block yes yes

1329 Coalter Street

(804) 643-3959

William Residential

George Mason Square x 1 block yes laundry facilities yes

1402 Jennie Scher Road

(804) 222-8776

F&W Management

1

2

$583

$655

historic building,

central air, cable

included

central air, $100

unlimited wireless

Internet

$100 unlimited

wireless Internet

e

1

2

$525-$555

$625-$785

$805-$1070

parking, central air,

renovated, exercise

room

1

2

3

4

1-$455-581

4-$613-$757

some

1st

floor

laundry, central air,

townhouse style

2 TH

1

2

3

30% income

(income

based) $500-

$600

playground, laundry,

neighborhood central

learning center

1

2

3

4

1-$750

4-$1800-

$2000

varies (some

units

sewer/water/trash)

apartments or houses;

some fireplaces and

balconies

12

Page 14: AFFORDABLE RENTAL HOUSING - HOME of VAhomeofva.org/Portals/0/A7CD644038AA090230BDE23DE96... · AFFORDABLE RENTAL HOUSING ... Lists apartments in which rent is not based on income

PART 2: Affordable Complexes

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Jefferson Mews x x x 1 block yes central air some

Jefferson Avenue

(804) 222-4395

Better Housing Coalition (BHC)

Jefferson Townhouses some no

1901 K Venable Street

(804) 643-1131

Genesis

Spring Hill Apartments x x x 1 block yes no

26th and 27th Street

804-222-4395

Better Housing Coalition (BHC)

Townsend Square Apartments 2 $575-615 x 1 block yes central air yes

21st and Cool Streets

(804) 343-9700

Artcraft Management

Wynwood Apartments 2 $619 x x x 1 block no yes

1267 Nelson Street #A

(804) 307-6963

Great Richmond Rentals

RICHMOND CITY NORTH

Brookfield Gardens 2 x x x 1 block no yes

1603 Roane Street

(804) 321-0175

Drucker & Falk

Chamberlayne Gardens x x x 1 block yes laundry, central air no

4307 Chamberlayne Ave. #2

(804) 266-3922

Bellkor

Lincoln Manor Townhomes (Lincoln Mews) x x x 1 block yes some

4101 North Ave. #2

(804) 321-6225

Better Housing Coalition (BHC)

Newman Village $450-600 x x x yes yes

4052 Old Brook Road

(804) 329-7432

F&W Management

1

2

3

TH

2

3 SFH

$566

$655

$740

SFH-$851

1

2

3

4

$579

$649

$759

$854

washer/dryer, direct TV,

wireless Internet, alarm

system, microwave

1

2

3

$567

$655

$750

washers and dryers,

central air

1

2

$550-$575

$650-$690

1

2

3

4

$480

$600

$751

$726-1150

pool, laundry, facility,

animal friendly

newly renovated,

central air, laundry, 24-

hour patrol

Starts at

$510

onsite laundry,

playground,

community center,

income based

2

3

pool, laundry,

playground

13

Page 15: AFFORDABLE RENTAL HOUSING - HOME of VAhomeofva.org/Portals/0/A7CD644038AA090230BDE23DE96... · AFFORDABLE RENTAL HOUSING ... Lists apartments in which rent is not based on income

PART 2: Affordable Complexes

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The Colonies at Ginter Park x x x x 1 block yes yes

3207 Chamberlayne Avenue

(804) 228-0016

Edgewood

RICHMOND CITY SOUTH

Autumn Court x x x 1 block no no

4600 Southwood Parkway

(804) 230-4585

McKinley

Brook Run Townhomes 2 $680 x x x 1 block yes laundry no

3124 Snead Court

(804) 232-5023

Main Street Realtors

Cedar Point x x x 1 block no no

1605 Treehaven Drive

(804) 230-4585

McKinley

Chicago Manor $555 x x x 1 block yes central air no

1711 Chicago Avenue

(804) 233-5331

Artcraft Management

Chippenham Townhomes x x x 1 block no no

7523 Ander Court

(804) 320-0686

Colony Management Corp.

The Communites at South Wood x x x 1 block no no

4602 Southwood Parkway B

(804) 230-4585

SouthWood

Dunston Manor East x x x 1 block yes central air yes

205 W. Roanoke Street

(804) 233-5331

Artcraft Management

Dunston Manor West x x x 1 block yes central air yes

310 W. Roanoke Street

(804) 233-5331

Artcraft Management

Forest Ridge Apartments x x x 1 block no no

2665 Granite Hill Circle

(804) 320-3111

Colony Management Company

1

2

3

S

$480-$500

$575-610

$700

Studio-$430

central air, laundry

facilites

carpet, patio,

playground, pool,

basketball courts, five

laundry facilites on

site

central air,

playground,

wwimming pool

$570-620

$655-730

1

2

1

2

$570-620

$655-730

central air,

playground,

swimming pool

1

2

$540-$545

$615-$625

2

TH

1

2

3

TH

$600

$660

$760

1

2

$570-620

$655-730

central air,

playground,

swimming pool

1

2

$540-$545

$615-$625

e

2

$500

$630-570

central air,

playground, carpet,

laundry, car wash

14

Page 16: AFFORDABLE RENTAL HOUSING - HOME of VAhomeofva.org/Portals/0/A7CD644038AA090230BDE23DE96... · AFFORDABLE RENTAL HOUSING ... Lists apartments in which rent is not based on income

PART 2: Affordable Complexes

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Jefferson Terrace 2 $600 x x x x x 1 block yes central air no

2908 Jeff Davis Highway

(804) 649-9154

Robinson-Harris Company

Jefferson-Trace x x x 1 block no some

2506 Atwell Drive

(804) 231-9368

Drucker &Falk

Kingswood Apartments 1 $565 x x x 1 block no some

6426 Elkhardt Road

(804) 276-6058

Jordon Properties

Maple Grove x x x 1 block no no

1700 Clarkson Road

(804) 230-4585

McKinley

Morningside Apartments x x x x 1 block yes yes

1414 Newell Street

(804) 327-9151

SL Nusbaum

Regency Lake Apartments x x yes yes

3501 Meadowdale Boulevard

(804) 743-0855

Miles Property

Ruffin Road Apartments x x x on site yes yes

2219 Ruffin Road

(804) 233-6182

Edgewood Management

South Gate x 1 block yes central air yes

801 Holly Springs Avenue

(804) 230-4004

Genesis

Swansboro Apartments x 1 block yes central air yes

801-B East 36th Street

(804) 230-4004

Genesis

Town & Country x x x no playground, pool yes

1402 Barriedale Road

(804) 276-1899

Quest Management

1

2

3

$575

$630

$775

playground,

washer/dryer

central air,

dishwasher, laundry

room on site

1

2

$570-620

$655-730

central air,

playground,

wwimming pool

2

3

Starts at

$659

laundry, playground,

tennis, pool

1

2

3

$540-$580

$625-$659

$779

laundry facilities,

tennis courts

1

2

3

$503

$587

$722

laundry, playground

1

2

3

$550

$530-$625

$775

1

2

3

$550

$530-$625

$775

1

2 APT

2

3 TH

$550

$630

2TH- $720

3TH- $800

15

Page 17: AFFORDABLE RENTAL HOUSING - HOME of VAhomeofva.org/Portals/0/A7CD644038AA090230BDE23DE96... · AFFORDABLE RENTAL HOUSING ... Lists apartments in which rent is not based on income

PART 2: Affordable Complexes

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Timber Creek Apartments 2 $558 x 1 block yes (must some

2200 Chateau Drive

(804) 276-7973

Babcock & Brown

Village South x 1 block yes yes

801 Holly Springs Avenue

(804) 230-4004

Genesis

Walnut Park x x x 1 block no no

1400 Clarkson Road

(804) 230-4585

Mckinley

RICHMOND CITY WEST

Cary 2000 x x x 1 block yes yes

2106 West Cary

(804) 354-9455

Better Housing Coalition (BHC)

Cambridge Apartments 1 $465 x x 1 block no no

9016 Patterson Avenue

(804) 648-9015

W.C. Hutchinson

Columns on Grove $583-867 x x x 1 block yes no

1621 Grove Avenue

(804) 354-9455

Better Housing Coalition (BHC)

William Byrd Apartments 1 $700-$795 x x x x x x 1 block yes yes

2501 West Broad Street

(804) 359-5200

Epic Properties Inc

CHESTERFIELD COUNTY

Falling Creek Apartments x x x 1 mile no no

2530 Marina Drive

(804) 275-8668

Great Atlantic

Winchester Green x x x 3 miles yes yes

7701 Cherry Hill Park Avenue

(804) 743-7030

Better Housing Coalition (BHC)

1

2

3

$583

$655

$867

washer/dryer, air-

conditioned

TH +

APT

1

2

elderly (55+), laundry

55+, laundry on site

1

2

$515

$699-755

laundry next to

complex

2

3

$830-940 central air,

dishwasher,

washer/dryer, fenced

in backyard

1

2

$570-620

$655-730

central air,

playground,

swimming pool

central air,

dishwasher,

playground, patio

($45 flat rate gas fee)

1

2

3

$550

$530-$625

$775

playground, central

air, laundry on-site,

security

16

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PART 2: Affordable Complexes

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HANOVER COUNTY

Chickahominy Bluff Apartments x yes yes

7800 Sporting Lane

(804) 559-3300

Grady Management

Hanover Apartments x x x yes

205 N. Cottage Green Drive

(804) 798-4031

GEM Management

Laurel Woods x x x yes playground yes

211 Cottage Green Drive

(804) 798-7368

TM Associates

The Pines at Cold Harbor x x no bus yes yes

7202 Garden Park Lane

(804) 730-9010

Habitat America

HENRICO COUNTY EAST

Andover Place x x x 1 block yes

2836-D Fairfield Avenue

(804) 222-8282

Graystone

Glenwood Farms x x x 1 block yes yes

3753 Bolling Road

(804) 643-8954

Drucker and Falk LLC

The Highlands Townhouses 2 $689-714 x no no

241 E. Jerald Street

(804) 737-2621

Fidelity Realty

Highland Woods x 3 blocks no no

583 E. Beal Street

(804) 737-2621

Fidelity Realty

Seven Gables 2 1 block yes

11 North Laburnum Avenue

(804) 222-1294

Babcock & Brown

some$547

upstairs

$557

downstairs

1

2

3

$599

$649

$749

pool, playground,

laundry

washer/dryer, pest

control, playground

no /

some

1

2

3

$450-$520

$599+

$709-$719

dishwater in select units,

animal friendly (rent is

more of units with

utilities included)

renovated 1 & 1/2

baths, ceiling fans,

over 1000 sq feet

1

2

3

$550

$620

$740

water play area,

doctor/dentist office on

property, clubhouse, pet

friendly

2

3

$850

$950

fitness center, pool,

playgrounds

1

2

$415-$615

$454-$654

playground, laundry,

rural development

Yes 2

units

1

2

$484

$572

1

2

3

$680

$745

$850p

arti

al playground, pool,

washer/dryer in unit,

fitness center, animal

friendly

17

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PART 2: Affordable Complexes

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Townhomes of Oakleys x x x 3 block yes

4633 Needham Court

(804) 222-3885

Insignia Thalhimer

Wellington Place Apts. 2 $745 x 3 blocks yes yes

5480 Bradley Pines Circle

(804) 737-2677

Square One Management

Winston Manor Apartments $565 x x x 1 block no pool some

407 Winston Street

(804) 329-1433

Colony Management Corporation

HENRICO COUNTY NORTH/WEST

Cedar Wood Manor Apartments x x x 1 block no yes

10 Shawn Court

(804) 737-6801

Belvidere Management Co.

Country Club Apartments x x x 1 mile yes no

1601 Lakeside Avenue

(804) 261-6642

Mark-Dana Company, Inc.

Gateway Apartments x x x 1 block no no

1648 North Parham Road

(804) 270-2400

Colony Management Group

Hilliard Road Apartments x x x 6 blocks no no

1 Hilliard Road

(804) 266-2783

Landmark Properties

Richfield Place Apartments x x x bus yes some

6001 Grammercy Circle

(804) 264-2737

FPI Management

PETERSBURG

Bolling Park Apartments x x x 1 block yes 55+, laundry yes

35 W. Fillmore Street

(804) 733-3300

Edgewood

1

2

3

1-$599

2-$50-$680-

$690

3-$730

pool, basketball,

central air,

playground

1

2

$450

$550

1

2

$595

$650-$655

central air, pet

friendly

1

2

3

1-$600

2-$605-$640-

$740

3-$670

pool, laundry, picnic

area, playground,

survellience cameras

1

2

3

4

$600

$680

$800

$900

tax credit, pool,

laundry, playground

1 BR

only

e

1

2

$560

$660

$775

pool, fitness center,

tennis court, car wash

area

central air, carpet,

near YMCA

2

TH

1

2

3

$625-$875 central air, pool, play

area

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PART 2: Affordable Complexes

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Ele

ctri

c

Dis

tan

ce t

o

Bu

s St

op

Acc

ep

t

Sect

ion

8

Vo

uch

ers

Spe

cial

Feat

ure

s

Dis

abili

ty

Acc

ess

EMPORIA

Weaver Manor Apartments x yes yes

216 Meherrin Lane

(434) 634-9665

T.M. Associates

FARMVILLE

The Meadows x x x 1 block yes yes

500 Hylawn Avenue

(434) 392-5180

T.M. Associates

1

2

$461+

$495+

laundry, playground,

energy efficiency

1

2

$461

$486

laundry, playground,

central air

19

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PART 3: Landlords Rental Firms

# o

f U

nit

s

Loca

tio

ns

Pro

pe

rty

De

scri

pti

on

s

Ap

plic

atio

n F

ee

Secu

rity

De

po

sit

Leas

e T

erm

RICHMOND: METRO AREA

Atlantic Beacon 100+ duplexes, houses year3101 Cutshaw Ave.

Richmond, Va. 23230

(804) 359-7355

Bandazian & Holden 500 $30 year604 N. Sheppard St.

Richmond, Va. 23221

(804) 358-5543

John P. Black 21 $10 $250 year6924 Lakeside Ave, Suite 101

Richmond, Va. 23228

(804) 266-9601

Dickson & Associates 200+ $25 year2826 Monument Ave. #1

Richmond, Va. 23221

(804) 358-4311

W.C. Hutchinson 15 all areas none210 E. Main St.

Richmond, Va. 23219

(804) 648-9015

Landmark 900 year

4901 Dickens Rd. #119

Richmond, Va. 23230

(804) 673-0900

Main Street Properties 250 $25 year

2111 West Main St.

Richmond, Va. 23220

(804) 355-5775

Metro Properties 50 apartment buildings $20 varies200 W. Franklin St.

Richmond, Va. 23220

(804) 225-8655

RentinRichmond.com 450 year2226 W. Main St.

Richmond, Va. 23220

(804) 358-7368

Sterling Management 100 city and some county year17 S. Belmont Ave.

Richmond, Va. 23221

(804) 359-5018

one

month

rent

year,

then

month-

to-

month

Richmond,

Chesterfield, Henrico,

Hanover

duplexes, apartment

buildings, houses,

townhouses

$40

per

person

one

month

rent

Fan, Museum District,

VCU Campus,

Downtown, West End,

Malvern

one

month

rent

Northside, Fan, Church

Hill, West End,

Downtown,

Chesterfield

duplexes, apartment

buildings, houses,

townhouses

$50

per

person

one

month

rent

apartment buildings,

houses

Chesterfield, Henrico,

Richmond

$20

per

person

one

month

rent

Fan, Central Richmond,

some Henrico

duplexes, apartment

buildings, houses,

townhouses

one

month

rent

one

month

rent

Chamberlayne,

Jeff Davis Highway

one bedroom garden

apartments

duplexes, apartment

buildings, houses,

townhouses

one

month

rent

Fan, Downtown, West

End

apartment buildings,

duplexes, houses

Henrico, Fan, Museum

District, VCU Campus,

Northside, West End

houses, apartments,

duplexes

$25

single

$30

two

one

month

rent

20

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PART 3: Landlords Rental Firms

# o

f U

nit

s

Loca

tio

ns

Pro

pe

rty

De

scri

pti

on

s

Ap

plic

atio

n F

ee

Secu

rity

De

po

sit

Leas

e T

erm

Walker-Rowe Partnership 100 $25 year

422 N. 1st St.

Richmond, Va. 23219

(804) 377-2525

TRICITIES

Ingram & Associates 500 $25

3302 Oaklawn Blvd.

Hopewell, Va. 23860

(804) 458-9873

Century 21/CF Scott, Inc 100 year

2614 South Crater Rd.

Petersburg, Va. 23805

(804) 732-0010

Central VA Properties 21 Richmond apartments none year416 3rd St.

Petersburg, Va. 23803

(804) 861-8844

GE Matthews Property Management 500+ $32 year

207 Temple Ave.

Colonial Heights, Va. 23834

(804) 518-0510

Whittle and Roper 700

2903 Boulevard, Suite A

Colonial Heights, Va. 23864

(804) 518-1488

SOUTH CENTRAL

Whitman Properties 45 Emporia houses none year

320 South Main Street

Emporia, Va. 23847

(434) 634-5151

one

month

rent

based on

rent

Jackson Ward,

Northside

apartment buildings,

houses

one

month

rent

one

month

rent

6 month

year

year

6 month

Petersburg, Colonial

Heights, Chester,

Dinwiddie, Prince

George

apartments, houses,

duplexes, condos

one

month

South Richmond,

Petersburg, Hopewell,

Chester, Prince George

houses, duplexes,

apartments

$25

single

$32 two

one

month

rent

Petersburg, Colonial

Heights, Prince George

duplexes, apartment

buildings, houses,

townhouses, trailers

$40

single

$50

couple

approxi

mately

one

month

rent

Colonial Heights,

Chesterfield, Hopewell,

Petersburg, Prince

George

duplexes, apartment

buildings, houses,

townhouses

21

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© HOUSING OPPORTUNITIES MADE EQUAL OF VIRGINIA, INC.

CREDIT PROBLEMS

PART 3: Rental Firms & Management Companies Credit Problems

Many landlords require excellent credit, steady

employment (if your source of income is

employment), a monthly income of three or four

times the rent and a spotless rental history

before they will accept you as a tenant. The

following is a list of individuals and firms who

may be more flexible in their requirements,

particularly concerning credit history.

A cosigner, a steady source of income or a larger

security deposit may be required in some cases.

These firms are listed with more detailed information in the previous pages.

Neville C. Johnson: 804.355.7981 W. C. Hutchinson: 804.648.9015 Versatile Properties Management: 804.353.3111

22

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23 © HOUSING OPPORTUNITIES MADE EQUAL OF VIRGINIA, INC.

DEPOSIT MAY BE LARGER IF PAYMENT HISTORY ON PRIOR ACCOUNTS IS POOR. THIS INFORMATION IS NOT GUARANTEED; PRICES MAY CHANGE. *THE CITY OF RICHMOND PUBLIC UTILITIES DOES NOT SERVICE ALL AREAS OF HANOVER COUNTY.

SERVICE /AREA ELECTRIC WATER/SEWER GAS TELEPHONE

COMPANY Dominion Virginia Power City of Richmond Public Utilities City of Richmond Public Utilities Verizon

PHONE 1.888.667.3000 (toll free) 804.644.3000 804.644.3000 804.954.6222

CONNECTION CHARGE $15 $35-$50 $35 $38.50

DEPOSIT $90-$180 first time customers

None Cook/hot water $25-$50 Heat $100-$150

Based on credit rating

NOTICE REQUIRED 1 business day 2-3 business days 2-3 business days Varies

COMPANY Dominion Virginia Power City of Petersburg Public Utilities Columbia Gas of VA Verizon

PHONE 1.888.667.3000 (toll free) 804.733.2349 800.543.8911 804.954.6222

CONNECTION CHARGE $15 $15 Varies $38.50

DEPOSIT $90-$180 first time customers

$75 Varies Based on credit rating

NOTICE REQUIRED 1 business day Same day 2-3 business days Varies

COMPANY Dominion Virginia Power Henrico County Public Utilities City of Richmond Public Utilities Verizon

PHONE 1.888.667.3000 (toll free) 804.501.4275 804.644-.3000 804.954.6222

CONNECTION CHARGE $15 $10 $35 $38.50

DEPOSIT $90-$180 first time customers

$100 Cook/hot water $25-$50 Heat $100-$150

Based on credit rating

NOTICE REQUIRED 1 business day 3 business days 2-3 business days Varies

COMPANY Dominion Virginia Power Hanover County City of Richmond Public Utilities* Verizon

PHONE 1.888.667.3000 (toll free) 804.537.6024 804.644.3000 804.954.6222

CONNECTION CHARGE $15 $30 each $35 $38.50

DEPOSIT $90-$180 first time customers

$30 water, $50 sewer, $80 both Cook/hot water $25-$50 Heat $100-$150

Based on credit rating

NOTICE REQUIRED 1 business day 3-5 business days 2-3 business days Varies

COMPANY Dominion Virginia Power Chesterfield County Public Works Columbia Gas of VA Verizon

PHONE 1.888.667.3000 (toll free) 804.748.4291 800.543.8911 804.954.6222

CONNECTION CHARGE $15 $15 non-refundable fee Varies $38.50

DEPOSIT $90-$180 first time customers

None required Varies Based on credit rating

NOTICE REQUIRED 1 business day 5 business days 2-3 business days Varies CH

ESTE

RFI

ELD

P

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SBU

RG

PART 4: Rights & Responsibilities - Utilities

RIC

HM

ON

D

HOW TO GET YOUR UTILITIES CONNECTED

HEN

RIC

O

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24 © HOUSING OPPORTUNITIES MADE EQUAL OF VIRGINIA, INC.

THE FAIR HOUSING LAWS PROTECT YOU! Every person has the right to be treated fairly

in their search for a place to live. A landlord

cannot take into account your race, color,

religion, national origin, or sex in making a

decision about whether or not to rent to you.

Nor may a landlord take into account any

disability you may have, any children you may

have, or your age, if you are 55 or older.

WHAT CAN A LANDLORD REQUIRE? A landlord or housing provider MAY require that you have good credit, not too many

debts, a steady income, a history of paying your rent on time, and that your income

be a certain amount.

HOW MANY PEOPLE MAY LIVE IN ONE APARTMENT? A landlord may also limit the number of people (NOT the number of children) who

live in an apartment, BUT the limitation must be reasonable. Every situation is

different, but in general, the following things are either okay or not okay for the

landlord to require:

A landlord may say: Only 2 people per bedroom

A landlord should NOT say: No more than three people in a two bedroom

apartment. Children of the opposite sex must

have separate bedrooms.

(If you are told these things, it may be

discrimination, and you should call HOME).

WHAT IF THE LANDLORD MAKES A PASS AT YOU? Sexual harassment is a very serious violation of the fair housing laws. If a landlord

makes a pass at you, or implies that you’ll get the apartment (or a lower rent) if

you’re “nice” to him (or her), it’s against the law. You should call HOME.

WHAT KINDS OF HOUSING ARE COVERED BY THE FAIR HOUSING LAWS? Many different kinds of housing are covered, including apartments, rooming houses,

shelters, trailers, condos, single family houses and duplexes. There are a few excep-

tions, but most housing is covered.

IT IS AGAINST THE LAW TO DENY A PERSON HOUSING BECAUSE OF RACE, COLOR, RELIGION, SEX, NATIONAL ORIGIN, FAMILIAL STATUS, HANDICAP OR ELDERLINESS. IF YOU THINK SOMEONE MAY BE DISCRIMINATING AGAINST YOU, CALL HOME.

If you have any questions about whether you are being treated fairly, call HOME at 804.354.0641. There is no charge, and your call will be kept confidential.

WHAT IF YOU HAVE A DISABILITY? A landlord may not ask you questions about your disability unless it is to make sure

you qualify for special housing. If you need a unit to be modified (for instance, you

need a ramp installed because you use a wheelchair); or a change in policy (to have

a home care attendant stay with you, for example, even though the landlord’s policy

is that two unrelated adults may not share an apartment), the landlord must allow

you to do so. If the apartment receives federal money (such as public housing or

Section 8), the landlord must pay for modifications. Otherwise, you must pay for

them yourself.

PART 4: Rights and Responsibilities - Fair Housing Information

FAIR HOUSING LAW

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25 © HOUSING OPPORTUNITIES MADE EQUAL OF VIRGINIA, INC.

OVERVIEW OF TIPS FOR TENANTS

As a tenant, you have certain rights and

obligations under the Virginia Residential

Landlord and Tenant Act. All apartment leases

fall under this act. Duplexes or houses may or

may not be covered, depending on the lease

and the number of properties owned by the

landlord. You may be able to get a copy of the

Act from a local state housing office, or from the

Virginia Department of Housing and Community

Development in Richmond at 804.371.7100.

HOME cannot provide legal advice or represent

you in court, but may be able to help you

resolve problems by providing information

about your rights as a tenant. For legal

assistance, contact a lawyer or your local Legal

Aid office.

Richmond Legal Aid 804.648.1012

Petersburg Legal Aid 804.862.1100

AN OVERVIEW OF YOUR RIGHTS & RESPONSIBILITIES For more information on the topics below, see

the pages to follow in this document.

You can find the Virginia Residential Landlord

and Tenant Act on our website at

www.HOMEofVA.org. For a current copy of the

Landlord/Tenant Handbook, call DHCD annually

at 804.371.7000, or visit their web site at

www.dhcd.virginia.gov to download a copy.

For more landlord/tenant information, visit

www.valegalaid.org and click on housing.

PART 4: Rights and Responsibilities - Overview

WHAT IF LANDLORD WON’T MAKE REPAIRS? At the first sign of trouble, put your complaint in writing to the landlord and keep a copy.

Never refuse to pay your rent because repairs are needed; instead, you need to follow a

legal process to set up an escrow account with the court (described in following pages).

Report serious violations to your city/county building inspector’s office.

LEASING AN APARTMENT Leases are usually impossible to break without court action.

Get all agreements in writing.

Inspect the apartment before moving in and document all problems in writing.

Read and understand your lease before signing and keep a copy for yourself.

WHAT IF I CAN’T PAY MY RENT? If a landlord wants to evict you, he must first take you to court.

Always go to court when summoned; this will help delay the eviction.

If you are evicted, you may still owe the rent for the rest of the lease period.

If your possessions are actually being removed from your property by the landlord and he/

she has not filed the eviction with the sheriff, you may be able to get help from the police.

Until your court-ordered eviction day, the landlord has no additional rights to your

property. This means he/she cannot turn off utilities, change locks, or enter.

GIVING NOTICE/TERMINATING A LEASE If you plan to move, know how much notice your lease requires before it ends.

A landlord can’t ask you to move during your lease period unless he/she can prove in court

that you have violated the lease agreement.

A landlord can’t change the terms of the lease during the middle of the lease term without

your permission.

Once the lease term is up, you or the landlord can terminate the lease without having to

give a reason.

SECURITY DEPOSITS After you have moved out, the landlord has 45 days to refund your deposit.

If your landlord has held your security deposit for 13 months or more, you may be owed

interest on your deposit.

You have the right to be present at the walk-through inspection after you move out, and

the landlord must notify you of this right.

Make sure you are not being charged for problems that were there before you moved in. Do this

by making sure you do a walk through when you move in, documenting any problems, giving the

list to the landlord, and saving a copy.

WHAT IF MY LANDLORD WANTS TO EVICT ME FOR PROBLEMS? The landlord must prove in court that you violated the lease.

The landlord must give you a chance to fix most problems before taking you to court.

Until your court-ordered eviction day, the landlord has no additional rights to your

property. This means he/she cannot turn off utilities, change locks, or enter the property

without notice.

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26 © HOUSING OPPORTUNITIES MADE EQUAL OF VIRGINIA, INC.

TIPS FOR TENANTS

How much is the rent?

How much is the security deposit?

How much advance notice is required

to move out at the end of the lease?

What day is the rent due and how

much is the late fee?

Which utilities are included in the

rent?

What appliances are provided by the

landlord?

Which repairs are the landlord’s

responsibility?

Are there any unusual rules or regula-

tions? If so, get a copy of them.

SAM

PLE

LE

TT

ER

January 5, 2009 Dear Landlord’s Name: I am writing about problems with my apartment at 3321 Maple Court. As you know from my repeated complaints and my last letter, the following conditions exist in my property: 1) leak in the kitchen ceiling, 2) hole in the bathroom wall, 3) broken faucet in upstairs bathroom. According to the lease, it is your duty to fix these problems. If these items are not repaired to my satisfaction by January 30, 2009, I will pay my February rent into an escrow account with the General District Court on February 2, 2009. I hope this will not be necessary. Sincerely, Your signature

TO REPORT A CODE VIOLATION, CALL YOUR CITY/COUNTY BUILDING INSPECTOR’S OFFICE AT THE FOLLOWING NUMBERS: Richmond 804.646.6419 Henrico 804.501.5745 Chesterfield 804.748.1057 Hanover 804.537.6040 Petersburg 804.733.2409.

PART 4: Rights and Responsibilities - Tips for Tenants

LEASING AN APARTMENT Before you sign a lease, make sure you have

inspected the actual apartment you will be rent-

ing. Remember to make your landlord put all

agreements in writing before you move in. For

example, if the landlord agrees to make a repair

such as cleaning the carpet or painting a bed-

room, make sure the promise is in writing.

When you move into a place, write down all the

things that are wrong with the apartment (such

as torn screens) and get your landlord to sign an

acknowledgement of them. By doing this, you

may avoid being charged for damages you did

not cause when it’s time to move out. Many

landlords and complexes have inspection

checklist forms they use for this purpose.

READ and UNDERSTAND everything in your lease before signing. If you do not

understand something, or your landlord is not clear, seek legal advice. Make sure you

understand the following points and that they are clearly stated in your lease.

It is illegal for a landlord to evict a tenant or terminate a lease because the tenant reported a code or health violation. It’s called retaliation. It is also VERY hard to prove in court. If you have problems because you made a complaint, you may need to get a lawyer.

WHAT IF MY LANDLORD WON’T MAKE NEEDED REPAIRS? If you simply refuse to pay rent because of the poor conditions in your property,

you will most likely lose in court if your landlord sues you for non-payment of rent.

The law does allow for you to withhold rent, but you need to use the following

procedure and do it through the court system. You must be current in your rent to

use this procedure.

First, write your landlord a letter stating the problems you are having and what

repairs are needed and keep a copy. If nothing is done and you continue to have

problems, you may need to set up an escrow account with the General District Court.

This means that you pay your rent to the court, rather than to the landlord, and that

the landlord may not take legal action against you for withholding your rent (if the

property is under the Virginia Residential Landlord and Tenant Act).

Before you pay your rent to the court, you must write your landlord a second letter

stating that you are going to pay your rent into escrow if the repairs are not done,

and giving him/her the exact date you plan to do it. Again, keep a copy. (It should be

on the day you normally pay your rent). The law requires that you give the landlord

at least 21 days to make the repairs before you open the escrow account, unless they

are emergencies related to health and safety.

When you go to pay your rent to the court, you must take a copy of your lease and a

copy of the letter you wrote your landlord asking for repairs. You will be given a

court date within 15 days, and the judge will then decide what to do with your rent

money, and which repairs the landlord is required to complete.

Call Legal Aid or a lawyer for assistance if needed. Always mail the letter to your

landlord and get a proof of mailing from the post office.

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27 © HOUSING OPPORTUNITIES MADE EQUAL OF VIRGINIA, INC.

THIS IS THE RIGHT OF REDEMPTION EXCERPT

FROM 55–243 OF THE CODE OF VIRGINIA:

A. If any party having right or claim to such land

shall, at any time before the trial in such eject-

ment or before the first court return date in an

action of unlawful detainer seeking possession

of a residential dwelling based upon default in

rent, pay or tender to the party entitled to such

rent, or to his attorney in the cause or pay into

the court, all the rent and arrears, along with

any reasonable attorney fees and late charges

contracted for in a written rental agreement,

interest and costs, all further proceedings in the

ejectment or unlawful detainer shall cease.

PART 4: Rights and Responsibilities - Tips for Tenants

GIVING NOTICE/TERMINATING A LEASE It should be stated in your lease how far in advance you need to give notice to move.

Remember that in most leases, you may only give notice at the end of the lease

period. In other words, if you have a yearly lease running from 9/1/2011 to

8/31/2012 and your lease states that a 60 day notice is required, you need to notify

your landlord IN WRITING by the end of June 2012 that you wish to move. If you

don’t, you may be liable for another year’s lease. Also, if the landlord is giving you

notice that your lease is not renewing, and it is proper notice as stated in the lease,

the landlord does not have to have a reason to terminate. Neither you nor the

landlord can change any terms of the lease in the middle of the lease period without

a mutually signed agreement. If you pay your rent weekly or monthly and do not

have a lease, you are usually required to give notice either a week or a month ahead

of time. For instance, if you are renting a place by the week, you would need to give

a week’s written notice to vacate. The landlord is also required to give you a week’s

written notice if he/she wants you to vacate. Remember, if you move out or get

evicted before the end of your lease term, you may be held responsible for the rent

for the entire lease period. For instance, if your lease runs through September and

you get evicted or vacate the apartment in May without the landlord’s consent, you

will still owe for June, July, August, and September. However, if the landlord re-rents

the property, you would no longer owe rent for the months after the apartment is

re-rented. A landlord cannot collect rent twice for the same property.

WHAT IF I CAN’T PAY MY RENT? The landlord may evict you for non-payment of

rent. However, there is a legal procedure

landlords must follow before they can actually

put a tenant out. A landlord must first serve a

pay or quit or material non-compliance notice,

then file an unlawful detainer with the General

District Court; then, if the landlord gets

possession of the apartment in court, he/she

must file an eviction notice with the sheriff. It is

always a good idea to show up in court, even if

you do not have the rent money. Your presence

in court may delay eviction proceedings. If you

are being evicted, you must be served an

eviction notice from the sheriff ’s office. This

eviction notice is valid for one year, as long as

the landlord informs you he/she is “accepting

the rent with reservation” every time the rent is

paid. If you think you are being evicted illegally,

call Legal Aid or a lawyer. Also, if you pay all the

amounts owed (rent, fees & costs) before your

court date, the unlawful detainer action must

be dropped. This is called the Right of

Redemption and is available one time in any

12-month period.

UNTIL YOUR COURT-ORDERED EVICTION DAY,

THE LANDLORD HAS NO ADDITIONAL RIGHTS

TO YOUR PROPERTY. THIS MEANS HE/SHE

CANNOT TURN OFF UTILITIES, CHANGE LOCKS,

OR ENTER THE PROPERTY WITHOUT NOTICE.

RIGHT OF REDEMPTION If a tenant is served with an unlawful detainer, then pays ALL the amounts listed on

it (rent, fees & costs) before the court date, the landlord cannot get possession in

court. This is only available to a tenant one time in a 12 month period. In other

EVICTION PROCESS:

Sixth day of the month (assuming a five-day grace period and the rent is due on

the first): Landlord issues pay or quit or material non-compliance notice, giving the

tenant five days to pay the rent and late fees to avoid further action.

Eleventh day of the month: Landlord files an unlawful detainer with the court; the

tenant is issued the unlawful detainer, which is a summons to go to court; court date

is usually two to three weeks later; warrant usually asks for rent, late fees, court

fees, legal fees and possession of the property.

Court date: Landlord asks for judgment for money owed and for possession of the

property. If landlord wins and tenant showed up in court, landlord must wait 10 days

to file the writ of eviction with the sheriff. If the tenant did not show up in court, the

landlord can file that day for immediate possession. Then the sheriff issues the

eviction notice to the tenant with the eviction date not less than 72 hours away.

10 days after court date, if tenant went to court: If tenant has not appealed,

landlord files a writ of eviction with the sheriff. Sheriff issues an eviction notice to

the tenant with the eviction date set on it (no less than 72 hours later). Eviction can

happen on that day or any day thereafter for a full year. However, if eviction does

not occur and tenant continues to pay rent, landlord must accept the rent with

reservation or landlord loses the right to evict (without going to court again).

TIPS FOR TENANTS

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28 © HOUSING OPPORTUNITIES MADE EQUAL OF VIRGINIA, INC.

TIPS FOR TENANTS INTEREST RATES ON SECURITY DEPOSITS (EXCERPT FROM THE VA RESIDENTIAL LANDLORD AND TENANT ACT)

55–248.15:2. Schedule of interest rates on security

deposits.

A. The interest rate established by 55–248.15:1 varies

annually with the annual rate being equal to four

percentage points below the Federal Reserve Board

discount rate as of January 1 of each year. The pur-

pose of this section is to set out the interest rates

applicable under this chapter.

B. The rates are as follows:

July 1, 1975—December 31, 1979 3% January 1, 1980—December 31, 1981 4% January 1, 1982—December 31, 1984 4.5% January 1, 1985—December 31, 1994 5% January 1, 1995— December 31, 1995 4.75% January 1, 1996 —December 31, 1996 5% January 1, 1997—December 31, 1998 5% January 1, 1999—June 30, 1999 4.5% July 1, 1999 —December 31, 1999 3.5% January 1, 2000 —December 31, 2000 4% January 1, 2001—December 31, 2001 5% January 1, 2002—December 31, 2002 0.25% January 1, 2003 —December 31, 2003 0% January 1, 2004—December 31, 2004 1% January 1, 2005 —December 31, 2005 2.25% January 1, 2006 —December 31, 2006 4.25% January 1, 2007 —December 31, 2007 5.25% January 1, 2008 —December 31, 2008 0.75% January 1, 2009 —December 31, 2009 0% January 1, 2010 —December 31, 2012 0%

PART 4: Rights and Responsibilities - Tips for Tenants

WHAT IF MY LANDLORD WANTS TO EVICT ME? If your landlord thinks you have violated the terms of the lease (examples: making

excessive noise, having unauthorized people living there, having a pet without

permission), he/she may pursue legal action in court to have you evicted. Before

taking you to court, the landlord must issue a notice notifying you of the problem

and giving you 21 days to correct it. The notice should say that if you do not correct

the problem within 21 days, you must move out within 30 days. (You may still be

responsible for the rest of the lease even if you do move out). After those 30 days,

the landlord may file an unlawful detainer against you. This will be a summons to

court. When you go to court, the landlord will try to prove how you violated the

lease, and try to get the judge to grant him/her possession of the property. If

possession is granted, the landlord may file an eviction with the sheriff ten days after

the court date, provided the tenant showed up for court. If the tenant does not show

up in court, the landlord may file for an immediate possession. (If the nature of the

tenant’s violation poses a safety threat to others, the process may be much quicker.)

If you receive a lease violation notice, correct the problem, and then commit the

same violation again, the landlord does not have to give you another chance to

correct it. He/she can simply give you notice that your lease will terminate. However,

the landlord still has to file an unlawful detainer and prove the violation in court.

SECURITY DEPOSITS At the end of the lease, you and your landlord should inspect the apartment after you

have moved out. If the landlord holds some of your deposit for damages, he/she is

required to give you a list of the actual damages and their costs. The landlord must

do the inspection within 72 hours of lease termination, and must return the deposit

within 45 days of lease termination. The landlord is also required to give you notice

that you are entitled to be present for the damage inspection. Make sure you are not

being charged for problems that were there when you moved in. (Use your move-in

inspection list for documentation). If your landlord has held your security deposit for

at least 13 months, you are owed interest on that security deposit. Once the 13

months is completed, interest starts being earned from the beginning of the lease,

and is earned every day until the security deposit is returned (Interest is not com-

pounded). Deposits on properties (houses) which are not under the Virginia

Residential Landlord and Tenant Act do not earn interest.

THEREAFTER, THE INTEREST RATE SHALL BE DETERMINED IN ACCORDANCE WITH SUBSECTION B OF 55–248.15:1. (2003, C. 438.) THIS IS THE CHART OF INTEREST RATES AS OF 2012. THIS PROVISION OF THE VA. CODE CAN BE AMENDED EACH YEAR; CHECK FOR UPDATES.

RIGHT OF REDEMPTION (CONT) words, if you received an unlawful detainer in May, paid the rent, the action was

dropped, and then you received another unlawful detainer in September, the

landlord could still get possession even if you paid everything before the court date.

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PART 4: Rights and Responsibilities - Tips on Crime Prevention & Safety

PERSONAL SAFETY Keeping yourself safe is the first step to a safe

community. It is important to know how to

handle an emergency situation so that you and

your family are safe.

STREETWISE Remember to trust your instincts. Always be

alert and aware of the people around you. Walk

confidently and at a steady pace. Stay in

well-lighted areas as much as possible. Park in

well-lighted areas. Have your keys in your hand

when entering your car. Don't respond to

conversation from strangers on the street.

Educate yourself concerning prevention tactics.

ABUSE Domestic violence isn't only about physical abuse and visible marks; it's about power

and control. Abuse isolates and causes emotional and financial dependence. One

partner has far more power than the other and uses abuse to keep control over the

other person. If you feel that you are in an abusive situation, or if you know someone

who is, seek help immediately.

LEAD BASED PAINT Lead is a highly toxic metal that produces a range of adverse health effects,

particularly in young children. Many houses and apartments built before 1978 have

paint that contains high levels of lead. Federal law requires that individuals receive

certain information before renting, buying, or renovating pre-1978 housing.

COMMUNITY SAFETY Working to build a safe and healthy community can be easy with local community

resources. Think about starting a community watch in your neighborhood or have the

local police come talk at your community meetings.

HOME SAFETY It is important to make sure that your family is safe and secure. If you take simple

precautions around the home, you can ensure that it will always be a safe place to

live. Secure windows with locks; use sturdy metal or solid wood doors at all entries

into your home. Install well-made deadbolt locks, and trim shrubs and trees to avoid

providing a hiding place for criminals.

FIRE SAFETY Take the time to plan a fire escape with your family. It is also important to have a

working smoke alarm, not overload circuits or extension cords, and be extremely

careful with portable heaters. Call your local fire department for a free smoke

detector, which sometimes will be installed at no cost.

TIPS ON CRIME PREVENTION & SAFETY

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PART 4: Rights and Responsibilities - Tips on Crime Prevention & Safety

TIPS ON CRIME PREVENTION & SAFETY

ID THEFT AND CREDIT SAFETY It is important to keep your credit protected and safe. A good credit history will allow you to get lower interest rates, save money, and help create financial security. When your identity or credit has been stolen, your credit history and purchasing power will suffer.

BE CAREFUL WHEN YOU GIVE OUT YOUR SOCIAL SECURITY NUMBER.

GET A COPY OF YOUR CREDIT REPORT ANNUALLY TO CHECK FOR INACCURACIES OR FRAUDULENT CHARGES.

IF YOUR CREDIT OR IDENTITY HAS BEEN STOLEN, MAKE SURE THAT YOU CONTACT THE FRAUD DEPARTMENT OF THE THREE CREDIT REPORTING AGENCIES. YOU CAN FIND CONTACT INFORMATION LISTED ON THE “RESOURCE NUMBERS AND WEBSITES” CHART SHOWN ON THE PREVIOUS PAGE.

FILE A COMPLAINT WITH THE FEDERAL TRADE COMMISSION.

FILE A POLICE REPORT.

CLOSE THE ACCOUNT THAT IS IN QUESTION TO PREVENT ADDITIONAL CHARGES.

ATTEND A FREE CREDIT WORKSHOP THROUGH HOME TO BET-TER UNDERSTAND YOUR CREDIT. CREDIT RECOVERY AND MONEY MANAGEMENT CLASSES ARE OFFERED ON THE FIRST THURSDAY OF EVERY MONTH.

PREDATORY LENDING AND SCAMS What is a predatory loan? A predatory loan is a bad loan that takes advantage of a borrower and puts the borrower at risk. With a predatory loan, the lender or broker can make a profit that is not related to the costs of the transaction or the risk of making the loan. ANY loan can include fees, interest rates, or contract terms that are predatory or harmful. Some loan terms that may be abusive are perfectly legal, while others are not. Sometimes what is legal depends on the situation. Many predatory practices are LEGAL, so you must protect yourself!

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PERSONAL SAFETY

Domestic Violence 800.838.8238 (toll-free)

YMCA 804.769.3066

American Red Cross 804.780.2250, www.redcross.org

HOME SAFETY

National Lead Information Center 800.424.5323 (toll-free)

City of Richmond 804.646.7025

securityworld.com www.security world.com

COMMUNITY SAFETY

Richmond www.richmondgov.com

Richmond Neighborhood Watch Program 804.646.4395

Non-Emergency Police number 804.646.5100

Henrico www.co.henrico.va.us

Neighborhood Watch Program 804.501.4856

Non-Emergency Police number 804.501.5000

ID THEFT AND CREDIT SAFETY

You have the right to receive a free copy of your credit report once every 12 months from each of the three credit reporting companies.

www.annualcreditreport.com toll-free 1.877.322.8228.

Equifax www.equifax.com

Order Your Report 888.685.1111 (toll-free) P.O. Box 720241, Atlanta, GA 30374-0241

Report Fraud 888.525.6285 (toll-free) P.O. Box 740241, Atlanta, GA 30374-0241

Experian www.esperian.com

Order Your Report 888.379.3742 (toll-free) P.O. Box 2002, Allen, TX

Report Fraud 888.397.3742 (toll-free) P.O. Box 9530, Allen, TX 75013

Trans Union www.transunion.com

Order Your Report 800.888.4213 P.O. Box 1000, Chester, PA 19022

Report Fraud 800.680.7289

Fraud Victim Assistance Division P.O. Box 6790, Fullerton, CA 92634

Federal Trade Commission 877.392.4357, www.ftc.gov CRC-240, Washington, D.C. 20580

Office of the Attorney General

804.786.2071 (voice), 804.786.1991 (fax), [email protected] (e-mail) 900 East Main Street, Richmond, VA 23219 www.oag.state.va.us

PREDATORY LENDING AND SCAMS

Housing Opportunities Made Equal (HOME) 804.354.0641, www.HOMEofVA.org

Freddie Mac www.dontborrowtrouble.com

Office of the Attorney General www.oag.state.va.us

First Gov for Consumers www.consumer.gov

BorrowSmart Public Education Foundation www.borrowsmart.org

LANDLORD/TENANT DISPUTES

Department of Consumer Affairs 804.786.2042, www.vdacs.virginia.gov/consumers

PART 4: Rights and Responsibilities - Tips on Crime Prevention & Safety

RESOURCE NUMBERS AND WEBSITES

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WHAT YOU SHOULD KNOW ABOUT

CREDIT AND BUDGETING

HOME offers a free monthly MONEY MANAGEMENT AND CREDIT RECOVERY CLASS. Call 804.354.0641 for times.

PART 4: Rights and Responsibilities - What You Should Know About Credit and Budgeting

WHY WAS I REJECTED? Landlords, utility companies, employers, insurers, and lenders all have the right to check your credit history and use your credit status as a reason to turn you down. Your application for credit may have been denied because you do not have a good credit history or because you have never had credit. If you are denied credit, you have the right to know why and should request an explanation. If you ever had a loan or a credit card, you probably have a credit history on file with one or all of the three major credit reporting bureaus. This is called a credit report. If your credit report shows you did not handle credit responsibly in the past, you will probably be turned down for new credit. If you have never obtained credit, recently begun to use credit, or have not used credit in many years, you may not have a credit report. Without one, lenders have no way of judging if you are a good credit risk. A poor credit rating can be the result of late payments on your credit cards, loans you never paid back or bankruptcy. This negative information remains on your credit report for seven to ten years. If you have experienced these problems, you may find it difficult to get credit or do things that require a good credit history. Even if you get credit, you may be asked to pay higher than average interest rates and fees because you would be considered a risk to the lender.

BUILDING GOOD CREDIT It is never too late to clean up your credit history or to start building a credit history. Depending on how serious your past and present credit problems are, it may take time and patience to establish good credit. If you have never had credit, you can start to use credit in a way that will help build a good credit history. If you have a slightly damaged credit history, with only a few late payments, you may be able to bring your accounts up to date and im-prove your credit in just a few months. Once your credit record is repaired, you will have access to the financial safety net that good credit provides.

WHAT IS CREDIT? Credit is when money is given to you with the

expectation of repayment (usually by banks,

credit unions, financial companies, car

dealerships, stores, or credit card companies).

A record of how repayment of this money is

handled in the past is your credit history. If

used correctly, credit can make many things

possible; however, if abused, it can make you

a slave to payments.

HOW DO I OBTAIN CREDIT? If you are seeking credit you should:

Shop for credit as carefully as you would

other merchandise.

Compare the price of credit (interest

rates, fees and terms).

Explore different sources of credit when

you finance a purchase (banks, credit

unions, finance companies, family

and friends).

Always avoid payday lenders and auto

title loans.

Make a large cash down payment to

reduce payments and interest.

Know what penalties apply if you can

not make the payments.

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YOU HAVE THE RIGHT TO RECEIVE A FREE COPY OF YOUR CREDIT REPORT ONCE EVERY 12 MONTHS FROM EACH OF THE THREE CREDIT REPORTING COMPANIES. TO USE THIS SERVICE, CALL TOLL FREE 1.877.322.8228 OR VISIT WWW.ANNUALCREDITREPORT.COM.

PART 4: Rights and Responsibilities - What You Should Know About Credit and Budgeting

REPAIRING YOUR CREDIT Repairing your credit is not done overnight. It is an ongoing process that you must

approach with determination, diligence, and discipline. Follow these tips:

KEEP YOUR EXISTING CREDIT ACCOUNTS IN GOOD STANDING. You can repair your credit by improving the way you handle existing accounts, as well as by obtaining new credit. In general, pay more than the minimum payment – but, if you are in financial trouble, at least pay what the creditor asks for on a regular basis while you work on improving your finances. However, even paying $20 more per month will shorten the payoff period considerably.

TO REBUILD CREDIT, APPLY FOR A CREDIT CARD OR SMALL LOAN FROM YOUR BANK, CREDIT UNION OR A LOCAL DEPARTMENT STORE. Explain that you have had credit problems, but that you are serious about improving your credit history. If your credit problems are severe and/or recent, your application may be denied. Do not take rejection personally. Most credit denials – even by local stores, banks and credit unions – are based on credit reports or lack of credit history.

GET A SECURED BANK CREDIT CARD Secured cards are backed by money you deposit and keep in a bank account. If you

do not pay off your credit card bill, the money in your account will be used to cover

that debt. Even people with poor credit may be able to get a secured Visa or

MasterCard. Secured credit cards can help you repair your credit. You will probably

qualify for a secured credit card if all your bills are paid and you have had no bad

marks on your credit for at least six months.

RULES OF BUDGETING Set realistic financial goals.

Distinguish between wants and needs.

Record monthly expenses: adjust to

develop a realistic spending plan.

Housing expenses should not be more

than 40 percent of your monthly income.

Shop wisely.

Keep accurate records.

Build a savings account to include an

emergency reserve of at least three

months take-home pay.

ERRORS ON YOUR CREDIT REPORT All the information you need to correct an error is sent with your credit report. If

you find incorrect information on your credit report, fill out the dispute form

provided by the credit reporting bureau or write a letter to the bureau explaining

your dispute. The credit bureau has approximately 30 days to investigate and

respond to your dispute. You should receive a written report on the results of the

investigation. If your dispute results in a change to your credit report, you will also

get a free copy of your report with the corrections. If the investigation reveals an

error, you may ask that a corrected version of the report be sent to anyone who

received it within the past six months. Job applicants can have corrected reports

sent to anyone who received a report for employment purposes during the past two

years. The credit bureau cannot put the disputed information back in your file unless

the company that provided it attests to its accuracy. In this case, the credit bureau

should give you a written notice that includes the name, address and phone number

of the original provider. If the information is validated, the disputed items can go

back on your credit report. Write to the company that provided the incorrect data

to let it know about your complaint. The company then is required to note your

dispute when it provides information about that account to credit reporting bureaus

in the future. You also may provide the credit reporting bureau with your side of the

story by writing an explanation of no more than 100 words. Explain your position

clearly and concisely and send it to the credit reporting bureau. Your statement will

be added to your credit report.

WHAT YOU SHOULD KNOW ABOUT

CREDIT AND BUDGETING

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BUDGET FORM

HOUSEHOLD INCOME :

INCOME SOURCE

Wages/Salary

Benefits

Food Stamps

Child Support

Other

TOTAL $

HOUSEHOLD INCOME :

INCOME SOURCE

Wages/Salary

Benefits

Food Stamps

Child Support

Other

TOTAL $

HOUSEHOLD INCOME :

INCOME SOURCE

Wages/Salary

Benefits

Food Stamps

Child Support

Other

TOTAL $

SUMMARY

Total Income

Total Expenses

MONTHLY DIFFERENCE $

HOUSEHOLD EXPENSES:

EXPENSE

Mortgage Loan 1

Mortgage Loan 2

Mortgage Loan 3

Taxes/Insurance

Electricity

Gas/Heating Oil

Water/Trash

Cable/Satellite

Phone

Mobile/Pager

Home Maintenance/Security

Car Payment

Car Insurance

Gas/Tolls/Parking

Car Maintenance

Groceries

Work Lunches

School Lunches

Eating Out

Toiletries/Cleaning Products

Dry Cleaning

Laundry

Hair Care

Pet Care

Child Support

Child Care

Allowances

Medical/Life Insurance

Medical/Dental/Optical

Prescriptions

Clothing

Entertainment

Tobacco/Alcohol

Subscription/Web Access

Gifts

Offerings/Donations

Savings

Recreational

Credit Card 1

Credit Card 2

TOTAL $

PART 4: Rights and Responsibilities - What You Should Know About Credit and Budgeting

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BUILDING CONDITION YES NO NOTES OUTSIDE AREAS

Is there litter or broken glass?

Are there rats or mice?

HALLS, STAIRWAYS AND DOORWAYS

Are they well lit and uncluttered for easy exit?

Are steps or handrails broken?

FIRE EXITS

Are there back stairways or fire escapes?

SMOKE DETECTORS

Is there a working smoke detector on every level?

GARBAGE

Is the container nearby and the area clean?

ELEVATOR

If there is one, does it work?

WINDOWS

Is there one in every room? (except the bathroom)

Are any broken? Do they open and close easily?

Do they have screens, do they fit the frames?

FLOORS, CEILINGS, AND WALLS

Are they reasonably clean?

Are the floors in the bath and kitchen watertight? Is the plaster cracked?

TEMPERATURE CONTROL

Does the heat work? Is there enough?

ELECTRIC

Are there two electric outlets in every room?

Do the wall switches work?

Is the lighting adequate?

Is the electrical panel box labeled?

Is there any exposed wiring?

KITCHEN

Is the sink drain stopped up? (run water to check)

Is the sink clean?

Is the stove clean and working? (test all burners)

Is the refrigerator clean and working?

Check under food cabinets, shelves, pipes under the sink, and floor under refrigerator and dishwasher for signs of mice and bugs.

BATHROOM

Is there enough water pressure? (flush toilet)

Is there enough hot water? (run tap to test)

Do the fixtures leak? (Check for yellowish stains around faucet; check under sink and behind toilet. Fill the tub with water; does it leak onto the floor?)

Are the drains stopped up?

Is there an electrical outlet?

Does a windowless bathroom have an exhaust fan?

WARNING: Low water pressure or a leaking toilet, sink, or tub can mean serious plumbing problems that should be fixed before you sign a lease.

DOORS

Can you lock all doors between rooms easily from the outside in case of an emergency?

Is there a lock on every outside door? (which does not require a key from the inside)

Do all locks work well?

Are there holes in the door or big gaps under the door?

PART 4: Rights and Responsibilities - Apartment Inspection

APARTMENT INSPECTION CHECKLIST MOST OF THESE ITEMS ARE REQUIRED BY LAW IN MOST LOCALITIES. IF YOU HAVE ANY QUESTIONS, CALL YOUR LOCAL ENFORCEMENT OFFICE.

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APARTMENT INSPECTION CHECKLIST

BUILDING IN GENERAL YES NO NOTES LAUNDRY FACILITIES

In the building?

Do they work?

MAILBOXES

Do they lock?

MAINTENANCE SERVICE

Is it regular?

WINDOWS

Are there storm windows, blinds, or shades?

TEMPERATURE CONTROL

Is there air conditioning? (If window unit, check noise level.)

If centrally air conditioned, is there a thermostat within the apartment?

SIZE

Will your furniture fit? Measure all rooms, empty rooms seem larger than they really are.

BEDROOMS

Are windows well-placed for easy escape in case of fire? Small or high windows make escape difficult.

Are screens in children’s rooms secure enough to prevent falls? If not serious accidents may result.

KITCHEN

Does the refrigerator have a separate door for the freezer area?

If there is a dishwasher, does it work?

DOORS

Do doors to the apartment from the outside have extra security locks such as a deadbolt or chain?

PART 4: Rights and Responsibilities - Apartment Inspection

Under Virginia law, you have the right to a clean and safe home. Before you sign a lease, inspect the house or apartment carefully. This

checklist tells you some of the things to look for. Carry it with you and check all items that need to be corrected. If your landlord will not

agree in writing to have the repairs done, you must decide whether you want the apartment as is. If you do take an apartment that is not

in good condition, make sure you take note of the existing condition before you sign the lease. Get the landlord to acknowledge in writing

that these conditions existed when you moved in so that you will not be blamed for them when you move out. (A sample of these state-

ments is provided on the next page for your use). Remember: a spoken agreement is almost impossible to enforce, so ...

PUT ALL AGREEMENTS YOU MAKE WITH YOUR LANDLORD IN WRITING.

You should also check the following items. Although they are not required to be provided by law, you should know what condition they are in before you sign the lease.

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ADDENDUM TO LEASE (ATTACH TO TENANT’S COPY)

This addendum is added to, incorporated in, and made part of the lease between ____________________________________________and ____________________________________________

Landlord(s) Tenant(s)

Landlord and tenant both hereby note the prior existence of the following conditions, for which the tenant will not be held liable: _____________________________________________ _________________________________________ The landlord hereby further agrees that in consideration of the tenant’s payment of rent and for other good and valuable consideration, he or she will make the following repairs or corrections on or before the specified date: 1. _______________________________________________________________ by ______________________ 2. _______________________________________________________________ by ______________________ 3. _______________________________________________________________ by ______________________ WHEREFORE, having fully read and understood the above agreement, the parties hereby affix their signatures: ______________________________________________________ Landlord(s) date

______________________________________________________ Tenant(s) date

PART 4: Rights and Responsibilities - Addendum to Lease

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WHAT YOU SHOULD KNOW ABOUT

LEAD PAINT

PART 4: Rights and Responsibilities - Lead Paint Information

Lead is a highly toxic metal that produces a range of adverse health effects, particularly in young children. Many houses and apartments built before 1978 have paint that contains high levels of lead. Federal law requires that individuals receive certain information before renting, buying, or renovating pre-1978 hous-ing. The Environmental Protection Agency re-quires landlords to provide tenants with copies of the two documents shown on this page.

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RULES OF RENTING

Partially excerpted from VCU Off-Campus Student Handbook

PART 4: Rights and Responsibilities - Rules of Renting

READ AND UNDERSTAND BEFORE YOU SIGN When you sign something, you are agreeing to it. READ YOUR LEASE AND ALL AGREEMENTS BEFORE SIGNING.

NEVER WITHHOLD YOUR RENT If you have an issue with your landlord that cannot be resolved, you must go through the court system. You can use the court system to put your rent into escrow, but if you just don’t pay it, you can be evicted

PAY YOUR BILLS FIRST Pay your bills as they arrive. Stick to a budget and pay your bills on time.

KEEP YOUR PAPER TRAIL Put it in writing and get a receipt. Put every request for service in writing. Make sure all verbal agreements between you and your landlord are documented. Keep your lease, receipts, letters and all paperwork together in one place for easy reference. Keep copies of all your bills.

THINK ABOUT YOUR HEALTH AND SAFETY Many people take their health and safety for granted. Think and make smart choices about your own health and safety. Don’t rush into a rental situation that makes you uncomfortable.

TREAT YOUR NEIGHBORS AS YOU’D LIKE TO BE TREATED Adhere to noise restrictions. Keep your apartment clean and free of pests. Watch out for your neighbors, and they will watch out for you. Respect other people’s rights and privacy.

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EMERGENCY HOUSING AND LEGAL HELP

For general information about community resources and rental financial assistance, call United Way Information and Referral Center at 804.275.2000 or 1.800.230.6977, or you can visit www.211virginia.org, or simply call 211.

ENERGY EFFICIENCY For information on energy efficient appliances and other energy saving tips, visit www.energystar.gov.

PART 4: Rights and Responsibilities - Useful Contact Information

EMERGENCY HOUSING If you are homeless and seeking shelter, register with Central Intake. They keep track

of which shelters have space available and will refer you there. They also may be able

to help you plan the best course of action and connect you to other resources. The

following shelters use the Central Intake system: CARITAS, ESI Connections, Salvation

Army, Freedom House, The Healing Place. Central Intake: 804.648.4177

EMERGENCY HOUSING FOR SUBSTANCE ABUSE RECOVERY Shelters with programs related to substance

abuse recovery: Richmond Outreach Center: 804.675.4101

Good Samaritan Inn (for men): 804.231.9995

EMERGENCY HOUSING FOR VICTIMS OF DOMESTIC VIOLENCE There are three emergency programs available for women who are escaping

domestic violence:

Safe Harbor: 804.287.7877

YWCA: 804.643.0888

Hanover Safe Place: 804.752.2702 or 800.838.8238 (toll-free)

LEGAL HELP Legal Aid: free legal services in civil matters to

persons with low-income, 804.648.1012.

Hunton and Williams, Church Hill Office:

affordable legal representation for Richmond

residents who are ineligible for Legal Aid,

804.775.2248.

TRANSITIONAL HOUSING Long-term housing with support services. Space is usually not available on an

emergency basis. These programs have eligibility criteria.

WOMEN: Hilliard House: 804.236.5800

Flagler Home: 804.553.3258

Grace House (Chesterfield): 804.267.1882

Daughters of Zelophehad (Chesterfield): 804.714.0007

Home Again: 804.358.7747

MEN: Freedom House: 804.232.1949

Sean’s Place: 804.344.8163

Home Again: 804.358.7747

The Healing Place: 804.230.1217 (for substance abuse treatment)


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