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 District 16.

Download the Intake Form

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

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


Josie Ramos

HUD-Certified/Housing Counselor
Office 540-604-9943. Ext. 226#

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.

Rental Counseling

Secure permanent, safe, and affordable housing.

Budget and Credit Counseling

Understand credit analysis, budget management, financial health, and spending plans.

Money Management

Develop a budget and wise spending plan.

Credit Building

Build credit history and develop good payment habits.

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.

Learn How to Start the Rental Process

We provide education—from managing your money, to the application process, knowing your rights and responsibilities and more.

Housing Counseling FAQs

Can a HUD Certified counselor assist during a foreclosure?

Yes, HUD Counselors are experienced and can advise you on next steps. For example, our state has been allocated funds to relieve the hardship caused by the pandemic.

Home | Va Mortgage Relief (virginiamortgagerelief.com)

Can a HUD Certified counselor assist during a foreclosure?

Yes, HUD Counselors are experienced and can advise you on next steps. For example, our state has been allocated funds to relief the hardship COVID-19.

Home | Va Mortgage Relief (virginiamortgagerelief.com)

What should I do if facing eviction?

If legal advice is needed, please contact our legal aid works office Fredericksburg – Legal Aid Works

To understand your options, process and options Please contact our HUD Counselor Josie Ramos.


When should I start to repay my student loans?

HUD Credit counseling can help you understand your repayment plan. You have options if you are facing a hardship after graduation that can hinder your credit.

Is there a fee to receive HUD Counseling?

No fee for our Counseling Services regardless of your income.

Other topics discussed in counseling

Ready for repayment: Forbearance ends in 2023

Do you have a new servicer: Student loan servicer changes

New IDR waiver counts more payments: Key questions answered

Keep your guard up: How to spot a student loan scam

Three Keys to Housing Success

Housing Counseling

Rental Properties

Voucher Program