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
Contact
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.
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.
Resource Connection
Connecting to local agencies and programs beyond housing.
Housing Links
- Guide to Landlord-Tenant Law & Local Rental Housing: Planning District 16
- Guide to Landlord-Tenant Law & Local Rental Housing: Westmoreland
- Realtor.com
- Rental Assistance | HUD.gov / U.S. Department of Housing and Urban Development (HUD)
- HotPads.com
- VirginiaHousingSearch.com
- St Vincent De Paul
- St William of York
- Fredericksburg.com Housing Rental Search
- 211.org
- Catholic Charities
- Rappahannock United Way
- Open Voucher Waiting Lists - Virginia
Three Keys to Housing Success
Housing Counseling
Rental Properties
