Housing Counseling

Contact

Josie Ramos

Housing Counseling Program Manager/HUD-Certified Housing Counselor
Office 540-235-8639

HUD Certified Housing Counseling

Central Virginia Housing offers counseling and workshops designed to promote and safeguard homeownership in underserved communities.

Our programs educate and empower individuals and families seeking to expand their housing options. Our counselor is certified by the U.S. Department of Housing and Urban Development (HUD) and provides information and access to affordable housing in the counties that we serve in Planning District 16 (Fredericksburg, Stafford, Spotsylvania, King George, Caroline) and in Westmoreland.

Unfortunately due to funding changes, HUD Certified Housing Counseling is limited to classes. 

Download & Complete the Spending Plan

IF THE SPENDING PLAN IS INCOMPLETE, THIS MAY DELAY YOUR ACCESS TO HUD COUNSELING. 

Get your free credit report here.

 

Counseling Services Offered

Pre-Purchase Counseling

Understand the home buying process, including education for first-time homebuyers, and wealth building through homeownership.

Foreclosure Prevention

Refinance your home or resolve mortgage delinquency issues through our foreclosure prevention services.

 

Housing Counseling FAQs

Can a HUD Certified counselor assist during a foreclosure?

Yes, HUD Counselors are experienced and can advise you on next steps.

Is there a fee to receive HUD Counseling?

No fee for our Counseling Services regardless of your income.

Three Keys to Housing Success

Housing Counseling

Rental Properties

Voucher Program