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. We also provide assistance navigating foreclosure prevention, VIDA Match Program, and Virginia Housing's SPARC Program.

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

Certified HUD Counselors work with individuals in group settings or one-on-one sessions to reach financial goals and increase economic mobility. Sessions include financial literacy, predatory lending, fair housing, and rental topics.

Reverse Mortgage Counseling provided virtually.

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.

Provide rental counseling on the following topics: The problems that can occur when you don’t understand your lease agreement Security Deposits – what they are really for and how to protect yourself How to calculate an affordable rent payment Reducing your debt and increasing your income also: How to handle an unexpected financial crisis Developing a personalized budget while still living comfortably Creating an emergency saving plan for peace of mind How to reduce personal debt and become financially healthy again

Provides housing assistance, in the form of supplemental rent and housing rehabilitation/repair services, to those who qualify as low income. Manages the Section 8 Rental Assistance program in both counties. The FLHF has a part time home buyer counselor on staff to assist first time home buyers. The organization manages the Indoor Plumbing Program and State Emergency Home Repair Program. In addition, the Foundation has funds for grants and loans to repair dwellings. The FLHF also provides/installs/sells portable, modular aluminum ramps. For all services please contact the main office in Louisa.

This program provides housing counseling to individuals with HIV/AIDS and serves as a support system for clients and their families. Clients receive emergency assistance for short-term rental, utility payments, transportation and food.

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.

Teaches first-time homebuyers about the mortgage approval process, credit reports, credit scores, personal budgets, insurance costs and closing costs.

Offers a variety of HUD counseling services to community residents including budget, credit, homeownership, and rental counseling.

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

This program provides comprehensive housing counseling services. Customers can receive advice and assistance for housing challenges and concerns. The housing counselor is trained to provide information on foreclosure, eviction and loss mitigation.

This program provides low-interest loans for homebuyers, down payment and closing cost assistance, home repair loans, and a Homeownership Education Program. Staff also provide 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 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.

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.

Serves as a department of local governmental authority which provides housing for low to moderate income families. Programs provided: Public Housing, Housing Choice Voucher (Section 8), Affordable Housing, Resident Services and Community Development.

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

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

Provides information and referral on housing resources, including assistance for low and moderate income persons. Also offers case management for those with eviction notices, in danger of receiving notices or with other housing problems.

Assists older individuals who have home equity and want to remain in their homes and have additional cash flow. Offers counselors that explain how interested parties can take out a loan, which typically does not have to be paid back as long as they live in their home. This counseling service fulfills the HUD prerequisite for Reverse Mortgage application.

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.

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.

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

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.