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CVHC offers three separate groups of counseling services to residents of Planning District 16.
These services encompass areas of credit management, credit recovery, a personal plan of action, steps increased their earning potential/continuing education, and provide personal encouragement and acknowledgement throughout the program.
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Housing/Rental Counseling
CVHC offers a variety of counseling services to community residents. Certified Housing Counselors are on staff to help you with rental, pre-purchase, debt management, or loss mitigation issues.
We provide personal attention to your current housing need and develop a personal plan of action to reach your housing goals.
- Required for some loan programs
- Personal attention to your current housing need
- Develop a personal plan of action to reach your housing goal
- Appointment necessary (one hour)
For more information, please contact Mary Anne Bryant or Cheri Miles.
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VHDA Homeownership Education
This six hour program is designed to take the mystery out of the home buying process and help first-time homebuyers prepare to make the important choices related to homeownership. Guest speakers will cover several topics over the two nights to include the roles of Realtors, Lenders, Loan Programs, Home Inspections, Title Companies, Closing Costs, etc. The Housing Counselor is on-hand to answer any questions from the group.
- Required for some loan programs
- Gain an understanding of the home buying process
- Prepare a spending plan
- Offered on Tuesday/Thursday once a month from 6:00 p.m. - 9:00 p.m.
In order to receive a certificate of completion, you must attend the six hour course (usually presented in two, three hour sessions), complete the quiz and budget found in the course manual, and submit them to your class facilitator for approval.
Your certificate may enable you to take advantage of special financing programs available to graduates of this class. VHDA maintains a database on all class graduates. Should you lose your certificate or need a duplicate copy, please contact the VHSA Homeownership Program manager at 888-643-2696.
Please click here for a list of classes. For additional information, please contact Cheri Miles.
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Homebuyers Club
 GoForHome! is a series of 16 workshops that help prepare families for the responsibilities of homeownership. CVHC workshops cover topics such as credit repair, stable employment, education, basic financial management, loans and lending programs, local housing markets, basic home repair and maintenance, avoiding predatory lenders, taxes - tips and strategies, and many, many more. Our families graduate with the knowledge and encouragement to continue on their path to homeownership through our SPARC program or a private lender.
The program has two components:
- Monthly Workshops
- All club members will meet as a group once a month. A professional from the housing industry will join us to discuss a housing topic and dinner will be provided.
- Plan of Action
- In addition to our monthly workshop you will meet with a counselor once a month to identify personal obstacles to homeownership and develop a personal plan of action to reach your housing goal. Obstacles differ from individual to individual. These sessions will give you the opportunity to discuss your personal goals and receive one on one attention to help you reach your goal of homeownership. As you reach milestones as a club member you will be recognized and congratulated by our club. Our club members are eligible to win gift certificates and other prizes at the monthly meetings.
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Virginia Individual Development Accounts Program
CVHC is proud to be an intermediary for the VIDA program through DHCD. VIDA stands for the Virginia Individual Development Accounts Program. It is a special savings program that helps eligible individuals gain financial literacy skills and build assets. For every dollar the participant saved in a designated account, VIDA will match it with two dollars. These monies can be used to purchase a home, go to school (post secondary education), or start a business.
- Income Eligibility Guidelines
- Must be a U.S. Citizen or legal alien
- Must have a child under 18 living in the home
- Counseling and educational activities required
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For more information about any of these services, please contact Cheri L. Miles at 540-
604-9943 ext. 14. |
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