Housing Counseling

HUD Certified Housing Counseling

Central Virginia Housing offers counseling and workshops designed to safeguard homeownership and prevent homelessness 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.

Upcoming Class:

Download the Intake Form & Spending Plan

Get started now by downloading and filling out the forms to begin our HUD certified counseling or education services.

IF THE INTAKE & SPENDING PLAN ARE INCOMPLETE, THIS MAY DELAY YOUR ACCESS TO HUD COUNSELING. BOTH THE INTAKE & SPENDING PLAN MUST BE COMPLETE WITH CREDIT INFORMATION.

Get your free credit report here.

PLEASE NOTE: you must download the form and open it with a PDF reader, like Adobe or Nitro, in order to electronically sign the intake forms.

Adobe Free Version: https://get.adobe.com/reader/

Nitro Free Version: https://www.gonitro.com/pdf-reader

INTAKE FILLABLE PDF Download

INTAKE PRINTABLE PDF Download

SPENDING PLAN Download

Contact

Josie Ramos

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

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.

Education Services Offered

All classes are free and follow local COVID protocols.

How to Start the Homebuying Process

Familiarizing yourself with the homebuying process is the first step in making sure you have what you need and understand what to expect. Our free first-time homebuyer education classes make it easy.

Learn About Our Free Homebuyer Education

Learn With our HUD Counselor, Josie Ramos.
We offer virtual & in-person classes that cover all aspects of the homebuying process.