HUD Housing Counseling

Group Classes

Contact: Josie Ramos • Tel: 540-604-9943 ext. 226#

Classes are taught by a HUD certified housing counselor quarterly and designed to take the mystery out of handling finances, including steps toward homeownership.

See the attachments below for upcoming classes:
    • NEW Virtual Classes Coming Soon:
  • How to be a successful renter series

    This is a FREE certification class. If your prior rental history is poor or you have some credit issues, this is the class for you! Your certificate can be shown to a prospective landlord. Please consider joining Central Virginia Housing Coalition from 4pm to 5pm on one of the dates below. This series will cover...
    • Are you financially ready to rent?
    • The Ins & Outs of Credit
    • How to Find the Right Place
    • Handling the Application Process
    • Understanding the Lease Agreement
    • Getting Back Your Security Deposit
    • Life as a Renter: Rights & Responsibilities
    • Housekeeping, Maintenance & Repairs
    • The Right Way to Terminate the Lease
    • Classes coming soon

    Personal Finance

    This Free workshop has you covered and will prepare you for financial success! Date: Class to be rescheduled for a future date

Credit and Budgeting Classes

These classes are each offered every other month.
  • Credit Reporting
  • How to improve your credit
  • How to create a spending plan
  • How to manage a spending plan
  • Tips for beginning to save your money

VHDA Homeownership

This class meets Virginia State Loan requirements and is sponsored by the Virginia Housing
  • All potential homebuyers are welcome to attend
  • Class and materials are provided for free
  • Please register online through Virginia Housing's Website

Outreach Classes

Counselors on staff are available to attend events or trainings hosted by your organization. Possible topics include:
  • Rental rates and tenant rights
  • Budgeting for the future
  • Credit repair
  • Homeownership information

Individual Counseling

Central Virginia Housing Coalition offers a variety of counseling services to community residents.

Certified Housing Counselors are on staff to help you with rental, pre-purchase and debt management. CVHC will spend the time to give personal attention to your current housing needs and help you develop a plan of action to reach your housing goal.


  • Explanation of applications process
  • Review of budget and savings
  • Discussion of moving expenses
  • Credit review


  • Review spending and savings plan
  • Review credit report(s)
  • Goal setting


  • Understand the credit report
  • Debt validation process
  • Determine steps to appropriately re-build credit

Contact Us

Counseling Contact Form