The Up Center is committed to providing mental health services during the COVID-19 crisis.
Call us for a face-to-face video appointment.

Housing & Financial Counseling

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 Housing & Financial Counseling program assists households in obtaining, maintaining or improving financial stability and affordable, permanent and safe housing. As a Department of Housing and Urban Development (HUD) approved comprehensive housing counseling program for twenty-five years, we serve 1,350 households yearly through counseling, education and outreach services.

Through budget, credit and debt counseling, detailed action planning, and direct intervention with mortgage servicers and others, we work with our clients to prevent foreclosure and eviction or break the “living paycheck to paycheck” cycle. We also provide reverse mortgage counseling for “senior” homeowners and assist other homeowners in meeting their housing needs. Lastly, we counsel prospective homebuyers, most with debt and little to no savings, to improve their financial capacity to qualify for a home loan and move out of impoverished neighborhoods.

Our counselors are HUD-Certified and abide by National Industry Standards. They provide trauma-informed counseling and are well trained with the skills and competencies needed to assist families in attaining their housing and financial goals. In the area of education, we provide free financial literacy and homebuyer education workshops as indicated below.

Financial Literacy Workshops

Art of Debt Management, 2.25 hours

Ghent Norfolk Office:  222 West 19th St., Norfolk, VA 23517; convenient no-cost parking

This class features basic financial planning, budget, credit, and debt management. It meets from 5:30 to 7:45 p.m. Classes for groups of six or more may be held on request at alternate locations.


2019 Schedule:

Oct 9

Nov 13

Dec 11


2020 Schedule:

Jan 8

Feb 12

Mar 11

Apr 8

May 13

June 10

July 8

Aug 12

September 9

Oct 14

Nov 11

Contact: Erica Ramjohn, Housing Counselor, (757) 965-8640

Homebuyers Education Classes (6 hours plus 2 hours self-study)

Virginia Housing Development Authority Approved Class   

Ghent Norfolk Office:  222 West 19th St., Norfolk, Va. 23517; convenient no-cost parking

Participants must attend both evening classes from 6:00 – 9:00 p.m.


2019 Schedule:

Oct 15/16

Nov 19/21

No Class in December


2020 Schedule:

Jan 21/23

Feb 18/20

Mar 17/19

April 21/23

May 19/21

June 16/18

July 21/23

Aug 18/20

Sept 15/17

Oct 20/22

Nov 17/19

Contact: Tiffany Tritch Housing Counselor, (757) 965-8636

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