{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2025\/code-json\/15.2-958.6.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2025\/code-text\/15.2-958.6.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2025\/code-xml\/15.2-958.6.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2025\/code-html\/15.2-958.6.html"}],"law_id":70528,"edition_id":1,"section_id":70528,"structure_id":13545,"section_number":"15.2-958.6","catch_line":"Financing the repair of failed septic systems","history":"2013, c. 185; 2023, cc. 506, 507; 2024, cc. 225, 242.","full_text":"A\n\nAny locality may, by ordinance, authorize contracts with property owners to provide loans for the repair of septic systems. Such an ordinance shall state:1\n\nThe kinds of septic system repairs for which loans may be offered;2\n\nThe proposed arrangement for such loan program, including (i) the interest rate and time period during which contracting property owners shall repay the loan; (ii) the method of apportioning all or any portion of the costs incidental to financing, administration, and collection of the arrangement among the consenting property owners and the locality; and (iii) the possibility that the locality may partner with a planning district commission (PDC) to coordinate and provide financing for the repairs, including the locality’s obligation to reimburse the PDC as the loan is repaid;3\n\nA minimum and maximum aggregate dollar amount that may be financed;4\n\nA method for setting requests from property owners for financing in priority order in the event that requests appear likely to exceed the authorization amount of the loan program. Priority shall be given to those requests from property owners who meet established income or assessed property value eligibility requirements;5\n\nIdentification of a local official authorized to enter into contracts on behalf of the locality; and6\n\nA draft contract specifying the terms and conditions proposed by the locality or by a PDC acting on behalf of the locality.B\n\nThe locality may combine the loan payments required by the contracts with billings for water or sewer charges, real property tax assessments, or other billings; in such cases, the locality may establish the order in which loan payments will be applied to the different charges. The locality may not combine its billings for loan payments required by a contract authorized pursuant to this section with billings of another locality or political subdivision, including an authority operating pursuant to Chapter 51 (§ 15.2-5100 et seq.), unless such locality or political subdivision has given its consent by duly adopted resolution or ordinance.C\n\nIn cases in which local property records fail to identify all of the individuals having an ownership interest in a property containing a failing septic system, the locality may set a minimum total ownership interest that it will require a property owner or owners to prove before it will allow the owner or owners to participate in the program.D\n\nThe locality or PDC acting on behalf of the locality shall offer private lending institutions the opportunity to participate in local loan programs established pursuant to this section.E\n\nIn order to secure the loan authorized pursuant to this section, the locality is authorized to place a lien equal in value to the loan against any property where such septic system repair is being undertaken. Such liens shall be subordinate to all liens on the property as of the date loans authorized pursuant to this section are made, except that with the prior written consent of the holders of all liens on the property as of the date loans authorized pursuant to this section are made, the liens securing loans authorized pursuant to this section shall be liens on the property ranking on a parity with liens for unpaid local taxes. The locality may bundle or package such loans for transfer to private lenders in such a manner that would allow the liens to remain in full force to secure the loans.F\n\nPrior to the enactment of an ordinance pursuant to this section, a public hearing shall be held at which interested persons may object to or inquire about the proposed loan program or any of its particulars. The public hearing shall be published twice, with the first notice appearing no more than 28 days before and the second notice appearing no less than seven days before the hearing, in a newspaper of general circulation in the locality.","order_by":null,"text":{"0":{"id":254468,"text":"Any locality may, by ordinance, authorize contracts with property owners to provide loans for the repair of septic systems. Such an ordinance shall state:","type":"section","prefixes":["A"],"prefix":"A","entire_prefix":"A","prefix_anchor":"A","level":1,"next_prefix":"A1"},"1":{"id":254469,"text":"The kinds of septic system repairs for which loans may be offered;","type":"section","prefixes":["A","1"],"prefix":"1","entire_prefix":"A1","prefix_anchor":"A1","level":2,"prior_prefix":"A","next_prefix":"A2"},"2":{"id":254470,"text":"The proposed arrangement for such loan program, including (i) the interest rate and time period during which contracting property owners shall repay the loan; (ii) the method of apportioning all or any portion of the costs incidental to financing, administration, and collection of the arrangement among the consenting property owners and the locality; and (iii) the possibility that the locality may partner with a planning district commission (PDC) to coordinate and provide financing for the repairs, including the locality’s obligation to reimburse the PDC as the loan is repaid;","type":"section","prefixes":["A","2"],"prefix":"2","entire_prefix":"A2","prefix_anchor":"A2","level":2,"prior_prefix":"A1","next_prefix":"A3"},"3":{"id":254471,"text":"A minimum and maximum aggregate dollar amount that may be financed;","type":"section","prefixes":["A","3"],"prefix":"3","entire_prefix":"A3","prefix_anchor":"A3","level":2,"prior_prefix":"A2","next_prefix":"A4"},"4":{"id":254472,"text":"A method for setting requests from property owners for financing in priority order in the event that requests appear likely to exceed the authorization amount of the loan program. Priority shall be given to those requests from property owners who meet established income or assessed property value eligibility requirements;","type":"section","prefixes":["A","4"],"prefix":"4","entire_prefix":"A4","prefix_anchor":"A4","level":2,"prior_prefix":"A3","next_prefix":"A5"},"5":{"id":254473,"text":"Identification of a local official authorized to enter into contracts on behalf of the locality; and","type":"section","prefixes":["A","5"],"prefix":"5","entire_prefix":"A5","prefix_anchor":"A5","level":2,"prior_prefix":"A4","next_prefix":"A6"},"6":{"id":254474,"text":"A draft contract specifying the terms and conditions proposed by the locality or by a PDC acting on behalf of the locality.","type":"section","prefixes":["A","6"],"prefix":"6","entire_prefix":"A6","prefix_anchor":"A6","level":2,"prior_prefix":"A5","next_prefix":"B"},"7":{"id":254475,"text":"The locality may combine the loan payments required by the contracts with billings for water or sewer charges, real property tax assessments, or other billings; in such cases, the locality may establish the order in which loan payments will be applied to the different charges. The locality may not combine its billings for loan payments required by a contract authorized pursuant to this section with billings of another locality or political subdivision, including an authority operating pursuant to Chapter 51 (§ 15.2-5100 et seq.), unless such locality or political subdivision has given its consent by duly adopted resolution or ordinance.","type":"section","prefixes":["B"],"prefix":"B","entire_prefix":"B","prefix_anchor":"B","level":1,"prior_prefix":"A6","next_prefix":"C"},"8":{"id":254476,"text":"In cases in which local property records fail to identify all of the individuals having an ownership interest in a property containing a failing septic system, the locality may set a minimum total ownership interest that it will require a property owner or owners to prove before it will allow the owner or owners to participate in the program.","type":"section","prefixes":["C"],"prefix":"C","entire_prefix":"C","prefix_anchor":"C","level":1,"prior_prefix":"B","next_prefix":"D"},"9":{"id":254477,"text":"The locality or PDC acting on behalf of the locality shall offer private lending institutions the opportunity to participate in local loan programs established pursuant to this section.","type":"section","prefixes":["D"],"prefix":"D","entire_prefix":"D","prefix_anchor":"D","level":1,"prior_prefix":"C","next_prefix":"E"},"10":{"id":254478,"text":"In order to secure the loan authorized pursuant to this section, the locality is authorized to place a lien equal in value to the loan against any property where such septic system repair is being undertaken. Such liens shall be subordinate to all liens on the property as of the date loans authorized pursuant to this section are made, except that with the prior written consent of the holders of all liens on the property as of the date loans authorized pursuant to this section are made, the liens securing loans authorized pursuant to this section shall be liens on the property ranking on a parity with liens for unpaid local taxes. The locality may bundle or package such loans for transfer to private lenders in such a manner that would allow the liens to remain in full force to secure the loans.","type":"section","prefixes":["E"],"prefix":"E","entire_prefix":"E","prefix_anchor":"E","level":1,"prior_prefix":"D","next_prefix":"F"},"11":{"id":254479,"text":"Prior to the enactment of an ordinance pursuant to this section, a public hearing shall be held at which interested persons may object to or inquire about the proposed loan program or any of its particulars. The public hearing shall be published twice, with the first notice appearing no more than 28 days before and the second notice appearing no less than seven days before the hearing, in a newspaper of general circulation in the locality.","type":"section","prefixes":["F"],"prefix":"F","entire_prefix":"F","prefix_anchor":"F","level":1,"prior_prefix":"E"}},"ancestry":[{"id":13545,"edition_id":1,"name":"Additional Powers","identifier":"5","label":"article","depth":4,"order_by":1,"parent_id":13058,"metadata":{},"date_created":"2026-06-26 03:45:10","date_modified":"2026-06-26 03:45:10","permalink":{"id":156673,"object_type":"structure","relational_id":13545,"identifier":"5","token":"15.2\/II\/9\/5","url":"\/15.2\/II\/9\/5\/","edition_id":1,"permalink":0,"preferred":1}},{"id":13058,"edition_id":1,"name":"General Powers of Local Governments","identifier":"9","label":"chapter","depth":3,"order_by":1,"parent_id":12733,"metadata":{},"date_created":"2026-06-26 03:44:11","date_modified":"2026-06-26 03:44:11","permalink":{"id":156357,"object_type":"structure","relational_id":13058,"identifier":"9","token":"15.2\/II\/9","url":"\/15.2\/II\/9\/","edition_id":1,"permalink":0,"preferred":1}},{"id":12733,"edition_id":1,"name":"Powers of Local Government","identifier":"II","label":"subtitle","depth":2,"order_by":1,"parent_id":12720,"metadata":{},"date_created":"2026-06-26 03:43:50","date_modified":"2026-06-26 03:43:50","permalink":{"id":152369,"object_type":"structure","relational_id":12733,"identifier":"II","token":"15.2\/II","url":"\/15.2\/II\/","edition_id":1,"permalink":0,"preferred":1}},{"id":12720,"edition_id":1,"name":"Counties, Cities and Towns","identifier":"15.2","label":"title","depth":1,"order_by":1,"parent_id":null,"metadata":{},"date_created":"2026-06-26 03:43:49","date_modified":"2026-06-26 03:43:49","permalink":{"id":151279,"object_type":"structure","relational_id":12720,"identifier":"15.2","token":"15.2","url":"\/15.2\/","edition_id":1,"permalink":0,"preferred":1}}],"structure_contents":[{"id":59834,"structure_id":13545,"section_number":"15.2-950","catch_line":"Appropriations","url":"\/15.2-950\/","token":"15.2\/II\/9\/5\/15.2-950","metadata":false},{"id":82496,"structure_id":13545,"section_number":"15.2-951","catch_line":"Acquisition, disposition and use of personal property by localities generally","url":"\/15.2-951\/","token":"15.2\/II\/9\/5\/15.2-951","metadata":false},{"id":80950,"structure_id":13545,"section_number":"15.2-952","catch_line":"Political subdivisions may acquire property from United States","url":"\/15.2-952\/","token":"15.2\/II\/9\/5\/15.2-952","metadata":false},{"id":56590,"structure_id":13545,"section_number":"15.2-953","catch_line":"Donations to charitable institutions and associations, volunteer and nonprofit organizations, chambers of commerce, etc","url":"\/15.2-953\/","token":"15.2\/II\/9\/5\/15.2-953","metadata":false},{"id":72872,"structure_id":13545,"section_number":"15.2-954","catch_line":"Loans to volunteer firefighting and rescue organizations","url":"\/15.2-954\/","token":"15.2\/II\/9\/5\/15.2-954","metadata":false},{"id":69377,"structure_id":13545,"section_number":"15.2-954.1","catch_line":"Volunteer firefighter or volunteer emergency medical services personnel tuition reimbursement","url":"\/15.2-954.1\/","token":"15.2\/II\/9\/5\/15.2-954.1","metadata":false},{"id":69752,"structure_id":13545,"section_number":"15.2-955","catch_line":"Approval by local governing body for the establishment of volunteer emergency medical services agencies and firefighting organizations","url":"\/15.2-955\/","token":"15.2\/II\/9\/5\/15.2-955","metadata":false},{"id":65390,"structure_id":13545,"section_number":"15.2-956","catch_line":"Participation in certain federal development programs","url":"\/15.2-956\/","token":"15.2\/II\/9\/5\/15.2-956","metadata":false},{"id":87224,"structure_id":13545,"section_number":"15.2-957","catch_line":"Participation by localities in certain leasing programs","url":"\/15.2-957\/","token":"15.2\/II\/9\/5\/15.2-957","metadata":false},{"id":63172,"structure_id":13545,"section_number":"15.2-958","catch_line":"Local funding for repair or production of low and moderate income rental property or repair of residential property; other housing experiments","url":"\/15.2-958\/","token":"15.2\/II\/9\/5\/15.2-958","metadata":false},{"id":57528,"structure_id":13545,"section_number":"15.2-958.1","catch_line":"Sale of certain property in certain cities","url":"\/15.2-958.1\/","token":"15.2\/II\/9\/5\/15.2-958.1","metadata":false},{"id":83582,"structure_id":13545,"section_number":"15.2-958.1:1","catch_line":"Sale of certain vacant and blighted or derelict property","url":"\/15.2-958.1_1\/","token":"15.2\/II\/9\/5\/15.2-958.1_1","metadata":false},{"id":73990,"structure_id":13545,"section_number":"15.2-958.2","catch_line":"Grants for homeownership; workforce housing","url":"\/15.2-958.2\/","token":"15.2\/II\/9\/5\/15.2-958.2","metadata":false},{"id":55802,"structure_id":13545,"section_number":"15.2-958.2:01","catch_line":"Grants for certain corporations and pass-through entities","url":"\/15.2-958.2_01\/","token":"15.2\/II\/9\/5\/15.2-958.2_01","metadata":false},{"id":79079,"structure_id":13545,"section_number":"15.2-958.3","catch_line":"Commercial Property Assessed Clean Energy (C-PACE) financing programs","url":"\/15.2-958.3\/","token":"15.2\/II\/9\/5\/15.2-958.3","metadata":false},{"id":72340,"structure_id":13545,"section_number":"15.2-958.3:1","catch_line":"Local green banks","url":"\/15.2-958.3_1\/","token":"15.2\/II\/9\/5\/15.2-958.3_1","metadata":false},{"id":57737,"structure_id":13545,"section_number":"15.2-958.4","catch_line":"Waiver of certain fees for affordable housing","url":"\/15.2-958.4\/","token":"15.2\/II\/9\/5\/15.2-958.4","metadata":false},{"id":61887,"structure_id":13545,"section_number":"15.2-958.5","catch_line":"Local funding for community revitalization","url":"\/15.2-958.5\/","token":"15.2\/II\/9\/5\/15.2-958.5","metadata":false},{"id":70528,"structure_id":13545,"section_number":"15.2-958.6","catch_line":"Financing the repair of failed septic systems","url":"\/15.2-958.6\/","token":"15.2\/II\/9\/5\/15.2-958.6","metadata":false},{"id":68666,"structure_id":13545,"section_number":"15.2-958.7","catch_line":"Local Foundation and Soil Management Fund; grant moneys","url":"\/15.2-958.7\/","token":"15.2\/II\/9\/5\/15.2-958.7","metadata":false},{"id":78251,"structure_id":13545,"section_number":"15.2-959","catch_line":"Housing research","url":"\/15.2-959\/","token":"15.2\/II\/9\/5\/15.2-959","metadata":false},{"id":54832,"structure_id":13545,"section_number":"15.2-960","catch_line":"Planting of trees destroyed during construction","url":"\/15.2-960\/","token":"15.2\/II\/9\/5\/15.2-960","metadata":false},{"id":68912,"structure_id":13545,"section_number":"15.2-961","catch_line":"Replacement of trees during development process in certain localities","url":"\/15.2-961\/","token":"15.2\/II\/9\/5\/15.2-961","metadata":false},{"id":79501,"structure_id":13545,"section_number":"15.2-961.1","catch_line":"Conservation of trees during land development process in localities belonging to a nonattainment area for air quality standards","url":"\/15.2-961.1\/","token":"15.2\/II\/9\/5\/15.2-961.1","metadata":false},{"id":54509,"structure_id":13545,"section_number":"15.2-961.2","catch_line":"Conservation of trees; notice of infill lot grading plan","url":"\/15.2-961.2\/","token":"15.2\/II\/9\/5\/15.2-961.2","metadata":false},{"id":72159,"structure_id":13545,"section_number":"15.2-961.3","catch_line":"Replacement of trees during development process in localities","url":"\/15.2-961.3\/","token":"15.2\/II\/9\/5\/15.2-961.3","metadata":false},{"id":68089,"structure_id":13545,"section_number":"15.2-962","catch_line":"Authority to require a unified geographic information system for a locality","url":"\/15.2-962\/","token":"15.2\/II\/9\/5\/15.2-962","metadata":false},{"id":87100,"structure_id":13545,"section_number":"15.2-963","catch_line":"Local offices of consumer affairs; establishment; powers and duties","url":"\/15.2-963\/","token":"15.2\/II\/9\/5\/15.2-963","metadata":false},{"id":73282,"structure_id":13545,"section_number":"15.2-964","catch_line":"Organization of local human services activities; authorization of reorganization by Governor","url":"\/15.2-964\/","token":"15.2\/II\/9\/5\/15.2-964","metadata":false},{"id":71567,"structure_id":13545,"section_number":"15.2-965","catch_line":"Human rights ordinances and commissions","url":"\/15.2-965\/","token":"15.2\/II\/9\/5\/15.2-965","metadata":false},{"id":71511,"structure_id":13545,"section_number":"15.2-965.1","catch_line":"Participation of small, women-owned, and minority-owned businesses","url":"\/15.2-965.1\/","token":"15.2\/II\/9\/5\/15.2-965.1","metadata":false},{"id":58003,"structure_id":13545,"section_number":"15.2-965.2","catch_line":"Enhancement of micro-business participation in local procurement","url":"\/15.2-965.2\/","token":"15.2\/II\/9\/5\/15.2-965.2","metadata":false},{"id":74384,"structure_id":13545,"section_number":"15.2-966","catch_line":"Establishment and operation of educational television stations","url":"\/15.2-966\/","token":"15.2\/II\/9\/5\/15.2-966","metadata":false},{"id":70768,"structure_id":13545,"section_number":"15.2-966.1","catch_line":"Establishment of primary health care facility for employees of locality","url":"\/15.2-966.1\/","token":"15.2\/II\/9\/5\/15.2-966.1","metadata":false},{"id":66216,"structure_id":13545,"section_number":"15.2-967","catch_line":"Parking facilities","url":"\/15.2-967\/","token":"15.2\/II\/9\/5\/15.2-967","metadata":false},{"id":70652,"structure_id":13545,"section_number":"15.2-967.1","catch_line":"Regulation of certain transportation services","url":"\/15.2-967.1\/","token":"15.2\/II\/9\/5\/15.2-967.1","metadata":false},{"id":61876,"structure_id":13545,"section_number":"15.2-967.2","catch_line":"Electric vehicle charging stations","url":"\/15.2-967.2\/","token":"15.2\/II\/9\/5\/15.2-967.2","metadata":false},{"id":57039,"structure_id":13545,"section_number":"15.2-968","catch_line":"Regulation of parking of vehicles within boundaries of state-supported institutions","url":"\/15.2-968\/","token":"15.2\/II\/9\/5\/15.2-968","metadata":false},{"id":77767,"structure_id":13545,"section_number":"15.2-968.01","catch_line":"Parking in certain residential areas","url":"\/15.2-968.01\/","token":"15.2\/II\/9\/5\/15.2-968.01","metadata":false},{"id":66068,"structure_id":13545,"section_number":"15.2-968.1","catch_line":"(For contingent effective date, see Acts 2023, c. 738, cl. 2) Use of violation monitoring systems to enforce traffic light signals and certain traffic control devices","url":"\/15.2-968.1\/","token":"15.2\/II\/9\/5\/15.2-968.1","metadata":false},{"id":83573,"structure_id":13545,"section_number":"15.2-969","catch_line":"Ordinances prohibiting resale of tickets to certain public events; 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unauthorized possession; penalties","url":"\/15.2-985\/","token":"15.2\/II\/9\/5\/15.2-985","metadata":false},{"id":64568,"structure_id":13545,"section_number":"15.2-986","catch_line":"Broadband services; education","url":"\/15.2-986\/","token":"15.2\/II\/9\/5\/15.2-986","metadata":false},{"id":64189,"structure_id":13545,"section_number":"15.2-987","catch_line":"Rentals for 30 consecutive days or longer","url":"\/15.2-987\/","token":"15.2\/II\/9\/5\/15.2-987","metadata":false}],"previous_section":{"id":61887,"structure_id":13545,"section_number":"15.2-958.5","catch_line":"Local funding for community revitalization","url":"\/15.2-958.5\/","token":"15.2\/II\/9\/5\/15.2-958.5","metadata":false},"next_section":{"id":68666,"structure_id":13545,"section_number":"15.2-958.7","catch_line":"Local Foundation and Soil Management Fund; grant moneys","url":"\/15.2-958.7\/","token":"15.2\/II\/9\/5\/15.2-958.7","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/15.2-958.6\/","history_text":"

This law was first created in 2013. The record of its establishment is cataloged in chapter 185<\/a> of that year\u2019s edition of \u201cActs of Assembly,\u201d the annual state publication listing all changes made to the Code of Virginia in that year. It has been modified 2 times. Those modifications are cataloged by \u201cThe Acts of Assembly,\u201d a state publication, by year and chapter. Those modifications that can be read on the General Assembly\u2019s website will be linked accordingly. Those modifications are as follows: in 2023, chapters 506<\/a> and 507<\/a>; in 2024, chapters 225<\/a> and 242<\/a>.<\/p>","references":false,"refers_to":[{"id":54398,"section_number":"15.2-5100","catch_line":"Title of chapter","order_by":null,"url":"\/15.2-5100\/"}],"permalink":{"id":156747,"object_type":"law","relational_id":70528,"identifier":"15.2-958.6","token":"15.2\/II\/9\/5\/15.2-958.6","url":"\/15.2-958.6\/","edition_id":1,"permalink":0,"preferred":1},"url":"\/15.2-958.6\/","token":"15.2\/II\/9\/5\/15.2-958.6","dublin_core":{"Title":"Financing the repair of failed septic systems","Type":"Text","Format":"text\/html","Identifier":"\u00a7 15.2-958.6","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t

A.<\/span> Any locality<\/span> may, by ordinance<\/span>, authorize contracts<\/span> with property owners to provide loans for the repair of septic systems. Such an ordinance<\/span> shall state: <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

1.<\/span> The kinds of septic system repairs for which loans may be offered; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

2.<\/span> The proposed arrangement for such loan program, including (i) the interest rate and time period during which contracting property owners shall repay the loan; (ii) the method of apportioning all or any portion of the costs incidental to financing, administration, and collection of the arrangement among the consenting property owners and the locality<\/span>; and (iii) the possibility that the locality<\/span> may partner with a planning district commission (PDC) to coordinate and provide financing for the repairs, including the locality<\/span>’s obligation to reimburse the PDC as the loan is repaid; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

3.<\/span> A minimum and maximum aggregate dollar amount that may be financed; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

4.<\/span> A method for setting requests from property owners for financing in priority order<\/span> in the event that requests appear likely to exceed the authorization amount of the loan program. Priority shall be given to those requests from property owners who meet established income or assessed property value eligibility requirements; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

5.<\/span> Identification of a local official authorized to enter into contracts<\/span> on behalf of the locality<\/span>; and <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

6.<\/span> A draft contract<\/span> specifying the terms and conditions proposed by the locality<\/span> or by a PDC acting on behalf of the locality<\/span>. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

B.<\/span> The locality<\/span> may combine the loan payments required by the contracts<\/span> with billings for water or sewer charges, real property tax assessments, or other billings; in such cases, the locality<\/span> may establish the order<\/span> in which loan payments will be applied to the different charges. The locality<\/span> may not combine its billings for loan payments required by a contract<\/span> authorized pursuant to this section with billings of another locality<\/span> or political subdivision, including an authority operating pursuant to Chapter 51 (§ 15.2-5100<\/a> et seq.), unless such locality<\/span> or political subdivision has given its consent by duly adopted resolution or ordinance<\/span>. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

C.<\/span> In cases in which local property records fail to identify all of the individuals having an ownership interest in a property containing a failing septic system, the locality<\/span> may set a minimum total ownership interest that it will require a property owner or owners to prove before it will allow the owner or owners to participate in the program. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

D.<\/span> The locality<\/span> or PDC acting on behalf of the locality<\/span> shall offer private lending institutions the opportunity to participate in local loan programs established pursuant to this section. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

E.<\/span> In order<\/span> to secure the loan authorized pursuant to this section, the locality<\/span> is authorized to place a lien<\/span> equal in value to the loan against any property where such septic system repair is being undertaken. Such liens<\/span> shall be subordinate to all liens<\/span> on the property as of the date loans authorized pursuant to this section are made, except that with the prior written consent of the holders of all liens<\/span> on the property as of the date loans authorized pursuant to this section are made, the liens<\/span> securing loans authorized pursuant to this section shall be liens<\/span> on the property ranking on a parity with liens<\/span> for unpaid local taxes. The locality<\/span> may bundle or package such loans for transfer to private lenders in such a manner that would allow the liens<\/span> to remain in full force to secure the loans. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

F.<\/span> Prior to the enactment of an ordinance<\/span> pursuant to this section, a public hearing<\/span> shall be held at which interested persons may object<\/span> to or inquire about the proposed loan program or any of its particulars. The public hearing<\/span> shall be published twice, with the first notice appearing no more than 28 days before and the second notice appearing no less than seven days before the hearing<\/span>, in a newspaper of general circulation in the locality<\/span>. <\/i><\/a><\/p><\/section>","plain_text":" CODE OF VIRGINIA\n\nFINANCING THE REPAIR OF FAILED SEPTIC SYSTEMS (\u00a7 15.2-958.6)\n\nA. Any locality may, by ordinance, authorize contracts with property owners to\nprovide loans for the repair of septic systems. Such an ordinance shall state:\n\n 1. The kinds of septic system repairs for which loans may be offered;\n\n 2. The proposed arrangement for such loan program, including (i) the interest\n rate and time period during which contracting property owners shall repay the\n loan; (ii) the method of apportioning all or any portion of the costs\n incidental to financing, administration, and collection of the arrangement\n among the consenting property owners and the locality; and (iii) the\n possibility that the locality may partner with a planning district commission\n (PDC) to coordinate and provide financing for the repairs, including the\n locality’s obligation to reimburse the PDC as the loan is repaid;\n\n 3. A minimum and maximum aggregate dollar amount that may be financed;\n\n 4. A method for setting requests from property owners for financing in\n priority order in the event that requests appear likely to exceed the\n authorization amount of the loan program. Priority shall be given to those\n requests from property owners who meet established income or assessed property\n value eligibility requirements;\n\n 5. Identification of a local official authorized to enter into contracts on\n behalf of the locality; and\n\n 6. A draft contract specifying the terms and conditions proposed by the\n locality or by a PDC acting on behalf of the locality.\n\nB. The locality may combine the loan payments required by the contracts with\nbillings for water or sewer charges, real property tax assessments, or other\nbillings; in such cases, the locality may establish the order in which loan\npayments will be applied to the different charges. The locality may not combine\nits billings for loan payments required by a contract authorized pursuant to\nthis section with billings of another locality or political subdivision,\nincluding an authority operating pursuant to Chapter 51 (§ 15.2-5100 et\nseq.), unless such locality or political subdivision has given its consent by\nduly adopted resolution or ordinance.\n\nC. In cases in which local property records fail to identify all of the\nindividuals having an ownership interest in a property containing a failing\nseptic system, the locality may set a minimum total ownership interest that it\nwill require a property owner or owners to prove before it will allow the owner\nor owners to participate in the program.\n\nD. The locality or PDC acting on behalf of the locality shall offer private\nlending institutions the opportunity to participate in local loan programs\nestablished pursuant to this section.\n\nE. In order to secure the loan authorized pursuant to this section, the locality\nis authorized to place a lien equal in value to the loan against any property\nwhere such septic system repair is being undertaken. Such liens shall be\nsubordinate to all liens on the property as of the date loans authorized\npursuant to this section are made, except that with the prior written consent of\nthe holders of all liens on the property as of the date loans authorized\npursuant to this section are made, the liens securing loans authorized pursuant\nto this section shall be liens on the property ranking on a parity with liens\nfor unpaid local taxes. The locality may bundle or package such loans for\ntransfer to private lenders in such a manner that would allow the liens to\nremain in full force to secure the loans.\n\nF. Prior to the enactment of an ordinance pursuant to this section, a public\nhearing shall be held at which interested persons may object to or inquire about\nthe proposed loan program or any of its particulars. The public hearing shall be\npublished twice, with the first notice appearing no more than 28 days before and\nthe second notice appearing no less than seven days before the hearing, in a\nnewspaper of general circulation in the locality.\n\nHISTORY: 2013, c. 185; 2023, cc. 506, 507; 2024, cc. 225, 242.","edition":{"id":1,"name":"2025","slug":"2025","date_created":"2026-06-21 22:39:22","date_modified":"2026-06-21 22:39:22","current":1,"order_by":1,"last_import":null}}