Yes. You must present a Certificate of Completion of the Virginia Housing Development Authority (VHDA) Homebuyer Education class prior to settlement. The class is offered statewide, but you may also take it online at no cost to you. Find out more or register.
You will also need to attend the county’s HomeCents post-settlement seminar within 6 months of closing and submit your certificate to the Housing Finance Specialist. This seminar provides valuable information that will help you transition into homeownership. You will receive a large packet at no cost to you with lots of great resources to assist you along the way. You may also take this prior to settlement if you wish. Find out more and register.
Buyers must pay a $200 service fee at closing. This fee cannot be financed. Non-payment of this fee will cause your settlement to be delayed. You may pay with a check, money order, or cashier’s check made payable to County of Loudoun. You may leave the $200 payment with the title company and they will send it to us with your closing package.
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You will typically hear from the county within 3 to 5 business days after you have submitted the full application. The entire application process from start to finish will typically take at least 45 to 60 days. Processing could take longer if documentation is missing from your application packet. You will be notified about any outstanding items. If you are able to provide all required documentation with your initial application submission, this will help minimize delays.
First you will need to submit your application online along with all the required supporting documents. You can use the checklist in the application packet to help you gather the documents you will need. Depending on your own unique situation, we may ask you to submit other documentation which may not be specifically listed on the checklist. Your prompt response will help us to process your application as quickly as possible. There are some additional documents which will require your signature if your application is approved. Once we reach that point of the process, you should watch your email and/or check voicemail daily so you are quickly notified when we attempt to reach you.
We will be working with your lender and the title company to prepare for your settlement. We will also be contacting you to obtain signatures on a few more important forms so that we can request the check for settlement. Check your email and voicemail regularly during this time in case we need your assistance.