Every person deserves access to structurally sound housing. While we began as an organization dedicated to water and wastewater needs within rural communities, we soon learned that structurally sound housing was a necessary and logical extension of our service offerings. We now come alongside individuals and communities to make sure they have adequate housing that will keep them safe, happy and healthy for the long haul.

Housing Financial

Financial Assistance


SERCAP provides individual homeowners with grants and/or affordable loans, allowing them to make necesarry water, wastewater, and structural repairs to their homes. SERCAP's certified Community Development Financial Institution (CDFI) Loan Fund offers Home Improvement Loans up to $15,000 to tackle a variety of home improvement issues, including: roof repair, foundation repairs, and Aging in Plance needs. SERCAP also has some Grant Funding available for low-income rural homeowners.


SERCAP's Housing Department is an experienced Housing Rehabilitation provider for the Community Development Block Grant (CDBG) program under the Virginia Department of Housing & Community Development (DHCD). SERCAP can provide both Housing Rehabilitation and Grant Management Services, and SERCAP also has additional funding resources available through its Community Development Loan and Facilities Development Grant programs.


Technical Assistance


SERCAP's Housing Department provides Housing Rehabilitation services to low-income homeowners, including: Indoor Plumbing & Rehabilitation, Aging in Place services, home inspections, and blower door testing. SERCAP's Housing Rehabilitation technical support ensures individuals are living in dwellings that meet HUD Housing Quality Standards.


SERCAP provides hands on support with planning, grant administration, and housing rehabilitation through the Community Development Block Grant (CDBG) program. SERCAP's Housing staff are also able to serve as experts in rural communities in assisting to plan renovations of homes, downtown areas, or other common development projects in rural communities.

housing tech
SERCAP IPR House Brown



SERCAP is a HUD Approved Local Housing Counseling Agency (LHCA). SERCAP's certified Houing Counselors provide individual one-on-one counseling services in a variety of areas, including: Budget, Credit, Rental, Pre-Purchase, Post Purchase, and Foreclosure Prevention. SERCAP works with individuals who are seeking to improve their rental situation, purchase a new home, or maintain the home they currently own. Focus areas, include: creating a spending plan, interpreting financial statements, resolving credit issues, and managing debt.


In additiona to one-on-one Counseling services, SERCAP delivers numerous Group Education Workshops each year on a variety of topics, including: Fair Housing, Virginia Landlord & Tenant Law, Credit, Budgeting, Predatory Lending, Scam Prevention, and First-time Homebuyer Education.


Come Alongside


Don’t feel as if you need to work through your housing issues alone! Our team is here because we want to come alongside you and connect you with resources that will resolve your situation once and for all. Reach out to our team that is ready and eager to support you.


As a leader of a community facing housing issues, it can be overwhelming and, at times, confusing. Don’t face those issues alone! Our team would be honored to support you as you work to improve your community.

Housing Along Side