Are you a homeowner who needs help to keep your home or community healthy, habitable, and thriving? SERCAP delivers a number of programs to help.
Please fill out the following information to assist us with your loan application.
Individual Programs Application
Don’t know which program is right for you? Call us and we’ll help match your needs to our programs.
SERCAP is dedicated to making sure all residents of the Southeastern United States have daily access to clean, safe drinking water and environmentally sound wastewater solutions. SERCAP's programs for homeowners and homeowner associations serve the needs of low-to-moderate income individuals living in rural communities throughout our seven state service region. Our programs focus on three key areas of living a healthy and fulfilling life: public health, housing, and economic development.
Indoor Plumbing Rehabilitation Program
SERCAP’s Indoor Plumbing Rehabilitation Program is a program which focuses on occupied dwellings without complete indoor plumbing. SERCAP Rural Housing Specialists inspect the homes and determine if a bathroom can be added, the existing plumbing can be refurbished or replaced, or if substantial reconstruction is warranted. This program is currently only available in Virginia.
Complete the application above, then email back to Ellen Smith at esmith@sercap.org. You can also mail a copy of your completed application to:
SERCAP
Attn: Ellen Smith
347 Campbell Avenue, SW
Roanoke, VA 24016
Lead Service-line Replacement Program
SERCAP's Residential Lead Service-line Replacement Program provides up to $2,500.00 in grant funding toward the costs of replacing the lead service-lines coming into the home for eligible low-to-moderate income homeowners. For more detailed information about the program, visit the listing on the Virginia Department of Health's (VDH) Referrals and Partnerships page:
Learn More (opens new window) This Program is only available in Virginia.
Aging in Place Services Program
SERCAP’s Aging in Place program provides support services to help individuals who wish to continue living at home despite health setbacks. Whether they need just a few simple changes or a major remodel, the Aging in Place program can provide a complete adaptive design solution for homeowners. SERCAP offers affordable options for each personal situation, including: bathroom remodeling, handrails, wheelchair ramps, and adaptive kitchen remodeling. This program is currently only available in Virginia.
Download the Application & Apply Today! (opens new window)
Complete the application, then email back to Ellen Smith at esmith@sercap.org. You can also mail a copy of your completed application to:
SERCAP
Attn: Ellen Smith
347 Campbell Avenue, SW
Roanoke, VA 24016
Individual Household Well & Septic Loan Program
SERCAP's Individual Septic Loan Program offers loans of up to $15,000 to residents of rural communities to pay for the installation of a new standard or alternative septic system. The interest rate is locked-in at the low-rate of 1%, and these loans are not readily available from other lending institutions.
SERCAP's Individual Household Well Loan Program delivers low interest (1%) loans for up to $15,000 to residents of rural communities with populations under 50,000 to cover the cost of digging a new well or repairing an existing well.
SERCAP's individual household well and septic loans are available in all seven states in SERCAP's service region including: Delaware, Maryland, Virginia, North Carolina, South Carolina, Georgia, and Florida.
Complete the application, then email back to Sherman Pennix at spennix@sercap.org. You can also mail a copy of your completed application to:
SERCAP
Attn: Sherman Pennix
347 Campbell Avenue, SW
Roanoke, VA 24016
Home Improvement Loan Program
The SERCAP Home Improvement Loan Program offers loans of up to $15,000 to low and moderate income residents of rural communities to complete home improvement projects such as replacing faulty HVAC units and installing handicap infrastructures. Interest rates range from 3% to 6% based on the applicant's median household income and these loans are typically unavailable at affordable terms from traditional lending institutions. In addition, SERCAP accepts a lower credit score of 600 to increase borrower eligibility. This program is currently only available in Delaware and Virginia.
Complete the application, then email back to Sherman Pennix at spennix@sercap.org. You can also mail a copy of your completed application to:
SERCAP
Attn: Sherman Pennix
347 Campbell Avenue, SW
Roanoke, VA 24016
Septic System Maintenance Education &
Pump-out Program
SERCAP’s Septic System Maintenance Education Workshops and Septic System Pump Out Program delivers training, financial assistance, and septic system pump-outs to eligible individuals living in Franklin County, VA and Pittsylvania County, VA. This Program is made possible through a partnership with the Virginia Environmental Endowment.
The Program’s free, virtual workshops teach septic system owners how to properly maintain their septic systems and identify potential maintenance issues, including:
- Types of septic systems
- How septic systems work
- Reasons to maintain your septic system
- How to care for your septic system
- What to do if your septic system fails
- Budgeting for future septic system maintenance
The Program’s septic system pump-out is available at no cost to homeowners living in Franklin County, VA and Pittsylvania County, VA who have low-to-moderate income and have attended at least one of the Septic System Maintenance Education Workshops.
Ready to learn more? Contact SERCAP at 540-345-1184.
Essential & Critical Needs Grant Program
SERCAP’s Essential & Critical Needs Grant Program provides financial assistance to residents of rural Virginia to address water and wastewater issues which are preventing a healthy quality of life and or habitable housing. The Commonwealth of Virginia’s Department of Housing and Community Development (DHCD) provides funding to SERCAP to assist community action agencies and other nonprofit organizations to ensure grant funds and services are available to residents throughout all of Virginia. These grants are currently only available in Virginia.
Complete the application, then email back to Angela Whitfield at awhitfield@sercap.org. You can also mail a copy of your completed application to:
SERCAP
Attn: Angela Whitfield
347 Campbell Ave. SW
Roanoke, VA 24016
Virginia Individual Development Accounts (VIDA) Program for Homeownership
Housing Counseling Program
Are you ready to buy a home or is this one of your goals? We can help.
SERCAP is an approved HUD Local Housing Counseling Agency (LHCA) and serves 500+ households per year through our Housing Counseling Program. SERCAP housing counselors deliver individual counseling and group education workshops, and cover topics like pre-purchase counseling, post-purchase counseling, rental counseling, foreclosure prevention, how to build and/or improve your credit, budgeting, identity theft prevention, and home maintenance education. This program is currently only available in Virginia.
Ready to learn more? Contact Jacob Hodges, housing counseling manager, at jhodges@sercap.org to schedule a pre-qualification interview.