Financial Education
The Art of Debt Management, a Financial Education Course, is offered the first Thursday or third Wednesday of each month from 6:00 – 8:30 p.m. at our Norfolk office for individuals experiencing financial difficulties. Topics include:

• Financial values and goals
  
• Spending plan development
  
• Credit reports and scores
  
• Sources of help and alternatives to bankruptcy
  
  

Reverse Mortgage Counseling
Our Reverse Mortgage Counseling Program assists older individuals who have home equity and want to remain in their homes and have additional cash flow. Our counselors will explain how interested parties can take out a loan, which typically does not have to be paid back as long as they live in their home. This counseling service fulfills the HUD prerequisite for Reverse Mortgage application.

First-Time Homebuyers
The Up Center’s Housing Counseling program teaches first-time homebuyers about the mortgage approval process, credit reports, credit scores, personal budgets, insurance costs and closing costs. The class schedule is available on our Upcoming Classes page.

Support for Homeowners Facing Foreclosure
For homeowners facing foreclosure and severe delinquency, The Up Center provides confidential support as an approved Department of Housing and Urban Development (HUD) counseling agency.