SERCAP's Mission is to Improve the Quality of Life for Low-income Individuals by Promoting Affordable Water and Wastewater Facilities, Community Development, Environmental Health, and Economic Self-sufficiency.

In order to accomplish this Mission, SERCAP provides a variety of Programs and Services to Individuals, including: Technical and Financial Assistance for Individual Household Well and Septic System Repairs/Replacement, Housing Rehabilitation Services for Sub-standard Housing and Households with Incomplete Indoor Plumbing, Financial and Housing Counseling Services, and more.   

Programs and Services for Individuals

Financial Assistance - Grants

Essential & Critical Needs Grants 

SERCAP’s Miscellaneous Grant Program is intended to provide financial assistance to residents of rural Virginia to address water and wastewater issues to improve their quality of life.  The Department of Housing and Community Development (DHCD) provides funding to SERCAP to assist community action agencies and other nonprofit organizations to ensure that the Individual Miscellaneous Grant assistance and Services are available to citizens in every jurisdiction in Virginia.

SERCAP’s Essential & Critical Needs Grants are only available in Virginia, at this time.


Financial Assistance - Loans

Individual Household Well Loans
– SERCAP’s Individual Well Loans are low interest 1% loans that can be applied for by residents of rural communities with population under 25,000 for up to $11,000 to cover the cost of digging a new well or repairing an existing well. Individual Household Well Loans address the needs of SERCAP’s certified target market by offering low-interest loans to low-to-moderate income individuals and families in rural communities to refurbish or drill new household water well systems. Often our loan applicants are unable to gain low-interest financing that fits their budgets and income from traditional financial institutions.  SERCAP is able to provide our target population with loans carrying a 1% interest rate to work on water well systems. SERCAP also utilizes an ‘ability to pay’ option that allows SERCAP and the homeowner to evaluate their current financial status and income to determine a realistic monthly payment in order to re-pay the loan without putting stress on their monthly household budget and minimizing the applicants at-risk for default. 

Individual Household Septic Loans – SERCAP’s Individual Septic loans can be applied for by residents of rural communities for up to $15,000 for a new standard or alternative septic system. Interest rates will range from 3% to 6% based on MHI. Individual Household Septic Loans are unavailable from other lending institutions. SERCAP’s interest rates are 3% to 6% in this category.

Home Improvement Loans – The home improvement loans offered by SERCAP’s Loan Fund department allow rural residents to apply for loans of up to $15,000 for home improvement projects such as replacing faulty HVAC units and installing handicap infrastructures. Interest rates will range from 3% to 6% based on MHI. Home Improvement Loans are typically unavailable at affordable terms from traditional lending institutions in our certified target market. SERCAP provides these loans at an affordable 3% to 6% interest rate. In addition, SERCAP accepts a lower credit score of 600 to increase borrower eligibility.


Housing Assistance

Indoor Plumbing & Rehabilitation -
SERCAP’s IPR Program (Indoor Plumbing Rehabilitation) is a program which focuses on occupied dwellings without complete indoor plumbing.  Our 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.

Aging in Place Services - Aging In Place is a program which provides support services that help individuals who wish to continue living at home despite health setbacks. Whether they need just 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 Kitchen remodeling.


Housing Counseling Services

SERCAP is an approved HUD Local Housing Counseling Agency (LHCA). SERCAP serves approximately 500+ Households per year through its Housing Counseling Program, with both one-on-one counseling and group education workshops covering a variety of topics, including: pre-purchase counseling, post-purchase counseling, rental counseling, foreclosure prevention, credit, budgeting, identity theft prevention, and home maintenance education.

SERCAP’s Housing Counseling Program provides any individual interested in the program with the tools and resources they need to become more financially empowered. SERCAP works with clients to build and/or improve their credit, to build and reach their savings goals, and to plan for the future. SERCAP’s Housing Counselors work with individuals to identify and address barriers to homeownership and/or meeting their other financial goals. SERCAP’s housing counseling services include: intake, credit review, overall evaluation of financial condition and limitations, credit counseling, and budgeting before and after purchase. SERCAP arms clients with knowledge beyond a one-time class on how to go from addressing credit issues all the way through planning for a maintenance schedule and savings plan.

By providing excellent housing and financial counseling services to all clients, SERCAP’s Housing Counseling Program bolsters the capacity of communities to remain active and vital by ensuring that community members have the tools they need to purchase safe, efficient, and affordable housing with minimal risk of foreclosure, ensuring a positive community impact.