counseling services

counseling resources

Homeownership Preservation Foundation Foreclosure Hotline
888-995-HOPE
24 hours day/ 7 days week

VIDA Program

Need to talk to a housing counselor?
No problem. Just click here to get in touch with one today.

a letter of thanks

Dear CHP,

I'd like to take this oppurtunity to let you know how much I appreciate the help and support your organization provided to me in my experience as a first- time home buyer. I attended a VHDA homeownership class [presented by] your organization, and I gained...so much... You educated me on the home buying process, counseled me when I had questions or concerns, advocated for funding on my behalf, and even attended my closing when I purchased my home. The support that your organization provided to me was phenomenal. I'm truly blessed and will be forever grateful for your guidance in helping me to realize my dream of owning a place to call my own . Thank you...for the services you provide to the citizens of our community.

Sincerely, Joan M. Lugo

redefining affordable housing
through homeownership

It's not easy buying a first home. For many the process is a mystery and the details of homeownership are unknowns. At CHP, it is our goal to educate clients and help them become more knowledgeable and feel more at ease during the home buying process. In order to help people with low to moderate income move into homeownership, we offer extensive counseling services:

Homeownership Counseling
Financial Counseling
Credit Counseling

homeownership counseling

Realizing the dream of homeownership is a source of pride and accomplishment. Unfortunately credit and personal finances can
sometimes become obstacles in the road to homeownership.
CHP provides free homeownership consultation/counseling
services for all first time homebuyers. During each consultation or counseling session a certified counselor will analyze the client’s:

Credit History	Income
Assets	Program Eligibility

With the assistance of a counselor a detailed action plan is designed addressing any credit problems and budgeting issues. This plan serves as a blue print for the client to follow in order to achieve the “mortgage ready” status.

financial counseling

Finances encompass every aspect of our lives, yet personal financial
management is generally not a part of our education. CHP’s free
financial counseling can help you learn how to :

Solve Financial Problems	Set Financial Goals
Budget Cash Flow	Keep Records
Manage Debt

credit counseling

CHP offers FREE credit counseling. During these sessions, you can learn how to correct credit issues and how good credit can save hundreds of dollars. Call 540.382.2002, ext. 307 to schedule an appointment.