Offer a number of programs to assist individuals who are interested in improving their finances, becoming a homeowner, or who need guidance with resolving a mortgage crisis. - 6 Steps to Homeownership - One-on-One Rental / Financial Counseling - One-on-One Pre & Post-Purchase Counseling - Mortgage Delinquency/ Pre-foreclosure Resolution Counseling - VHDA Homebuyer Education - Post-Purchase Education - Useful Resources

Free online course to understanding the rights and responsibilities of being a renter. Online Renter Education course Renter education eBook Renter education video: Using VirginiaHousingSearch.com Renter education video: The Application Process Renter education video: Understanding the Lease Agreement Renter education video: The Move-in Inspection Renter education video: Getting Back Your Security Deposit

This 12 month program will enroll members who have a goal of home ownership. The club will assist customers in planning for home ownership. Club activities will include financial planning, credit repair, mortgage education, home maintenance.

Helps qualified low income families become homeowners. Provides training in budgeting, credit and homeownership skills. Also participates in the Regional Loan Fund program for reduced interest rate mortgage funds and federal grants for down payment assistance. Serves the residents of all five counties of the Rappahannock-Rapidan District. In Madison, Culpeper, Orange and Rappahannock counties. In Madison, Culpeper, Orange and Rappahannock counties, contact Jackie Sill at 540-341-2805

Has established a Lease to Purchase Home ownership Program enabling low income families to buy their own homes by providing budget and credit counseling to ensure financial approvals. Prospective participants must meet established Housing Authority income guidelines.

A HUD approved Housing and Financial Counseling agency providing one-on-one counseling in the areas of rental, home purchase, credit management, debt reduction and foreclosure avoidance. CCC also offers classes on financial management, managing your credit, the home buying process, your rights and responsibilities as a renter, Fair Housing laws and foreclosure prevention. Employment Services are provided through job training/placement and career development counseling.

Housing Counseling assists first-time homebuyers with purchasing a home and provides foreclosure prevention services to current homeowners in danger of losing their home.

Provides information on homeownership, homeownership education, homeownership counseling sessions, opportunities to meet with lenders, applicant briefings, and coordination of resources for current and prospective first-time homebuyers. Income restrictions apply.

HUD Certified Housing Counselor provide homeowners with all necessary information, financial evaluation, and guidance to prevent foreclosure. Also, Housing Counselors help homeowners understand their options and assist in negotiating with their servicers or investors.

KCSC provides housing counseling services through the First Time Homebuyers Program. The goal is to help clients understand the steps needed to purchase a house successfully. Services include: - Educational seminars - One-on-one counseling - Budget/financial analysis - Housing analysis - Discussion of alternatives - Development of an action plan - Follow-up services

Helps individuals prepare for home ownership and purchase. Serves the counties of Greene, Madison and Orange. ACCESSIBILITY: Fully accessible to persons with disabilities.

Provides support and resources related to different housing situations: pre- and post-purchase, mortgage default counseling, rental counseling, fair housing, and homelessness. Housing counselors will listen to the situation; whether the person is renting or buying a home. Can speak with landlords or mortgage companies and help find local resources. Offers Renter Education Classes. Free Renter Education Workshops are held monthly in the NRV. Topics covered: Renter & Tenant Rights and Responsibilities Fair Housing Laws The Eviction Process Energy Savings Tips Financial Tips

This program provides low-interest loans for homebuyers, down payment and closing costs assistance, home repair loans and a Homeownership Education Program. Staff also provides housing counseling which includes budget and credit counseling, mortgage default and foreclosure counseling, Fair Housing counseling, and financial management.

A HUD approved Housing and Financial Counseling agency providing counseling in the areas of rental, home purchase, credit management, debt reduction and foreclosure avoidance. CCC also offers classes on financial management, managing your credit, the home buying process, your rights and responsibilities as a renter, Fair Housing laws and foreclosure prevention.

Provides information regarding local, state and federal fair housing laws. Receives complaints alleging discrimination in sale or rental of housing. Investigates, mediates, and conciliates alleged discrimination.

Provides a First Time Homeowners program for Nelson County residents.

Webinars/workshops on the home purchase process; how to prepare for a loan application; DC loan programs, resources to assist you in your housing search, and tenant rights.

Provides direct loans to borrowers who cannot obtain financing elsewhere. They must have good credit and meet reasonable underwriting criteria. Loans are for home ownership opportunities and assistance to low-income households to purchase, construct, and repair a home. Loans can be up to 100% loan to value ratios. Qualified individuals may be eligible to receive payment assistance which may reduce their payment from the established note rate of interest. SEE RURAL DEVELOPMENT WEBSITE FOR ELIGIBLE RURAL AREAS.

The First-time Homebuyer Program offers homeowner education classes, credit report reviews and housing counseling to assist County residents and local workforce in purchasing safe, decent, affordable housing. The program also assists qualified buyers with down payment and closing cost assistance and in designated areas offers low-interest rate financing. HRPDC HOME down payment assistance funds are available to assist with purchases of homes throughout the County. The Community Homeownership Revitalization funds are available to purchase attached and detached single-family homes in designated revitalization areas. The Community Homeownership Revitalization Program sets aside funds for permanent financing with an interest rate 0.5% below VHDA's prevailing rate at the time the lender locks in the loan.

Administers federal and state rental subsidies, housing rehabilitation grants, and numerous other general and neighborhood housing programs. Staff members assist citizens with: Emergency Home Repair and Accessibility Program Housing Choice Voucher Program (Section 8) Housing Rehabilitation Indoor Plumbing Rehabilitation Program Information and Referral USDA - Rural Development Grants USDA - Rural Development Loans Utility Connection Fee Assistance

Administers the HOMEownership Down Payment Assistance Program that assists low income, first time home-buyers with grants to cover closing costs and housing payments. Also administers the SPARC Program which provides lower interest mortgages. Programs we currently provide... Pre-purchase Counseling HOMEownership Down Payment Assistance Program (HDPAP) Homeownership Education Classes.

Virginia Housing offers homebuyer education classes online or in-person.

Cornerstones provides First Time Homebuyer Classes; participants will receive a Certificate valid for two years to apply for the affordable housing programs in Virginia and access down payment assistance grants from Virginia Housing. The classes are free, but registrations are required.

A housing counselor can help by providing advice on buying a home, renting, defaults, foreclosures, and credit issues.

Homeownership opportunities are available to assist First-Time Homebuyers purchasing a home in the City of Richmond and Henrico County. Down Payment and Closing Cost Assistance is available.