Housing and Financial Counseling and Education
From those who need help learning to budget to those who are dealing with serious problems, such as the threat of foreclosure, our professional counselors can help to promote financial and housing stability.
THE ART OF DEBT MANAGEMENT
The Art of Debt Management is an education course for individuals desiring to avoid and/or resolve financial difficulties. Budget, credit, and debt management information is covered in this interactive 2.5 hour course. One-on-one counseling may be scheduled as needed.
HOMEOWNERSHIP COUNSELING AND EDUCATION
The Up Center’s housing educators teach the Virginia Housing Development Authority’s curriculum for potential homebuyers. Topics include: spending plan development, credit issues, working with a realtor and a lender, the importance of a home inspection, and what to expect at loan closing. One-on-one pre-purchase counseling is available when needed.
FORECLOSURE PREVENTION AND INTERVENTION
For homeowners in danger of losing their homes due to mortgage delinquency, The Up Center provides free, confidential support as an approved Department of Housing and Urban Development (HUD) counseling agency.
REVERSE MORTGAGE COUNSELING
Our compassionate and professional counselors provide seniors 62 and older with the information they need to make an informed decision for using equity in their homes. For those eligible, the reverse mortgage pays off all liens on the home, provides more positive cash flow, and/or makes additional funds available to be used for any purpose. The loan is not repaid until death or permanent move from the house.
At the request of The United Way of South Hampton Roads, The Up Center has assumed responsibility for coordinating the Financial Stability Coalition of South Hampton Roads. This coalition streamlines service to help build assets and gain financial stability. To find out more information visit: http://www.financialstabilityhr.com/.
FREE HOUSING & FINANCIAL CLASSES
Art of Debt Management Class (2.5 hours)
April 5th & 19th
May 3rd & 17th
June 7th & 21st
July 5th and 19th
August 2nd & 16th
September 6th & 20th
October 4th & 18th
November 1st & 15th
December 6th & 20th
First Time Homebuyers Class (6 hours)
April 18th & 20th
May 16th & 18th
June 20th & 22nd
July 18th & 20th
August 15th & 17th
September 19th & 21st
October 17th & 19th
November 14th & 16th
December 12th & 14th