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 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.


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.


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.


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.


Art of Debt Management Class (2.5 hours)

Ghent Norfolk Office:  222 West 19th St., Norfolk, Va. 23509

The class includes basic financial planning, budget, credit, and debt management. This 2.5 hour class is held every first and third Wednesday of each month from 6:00 p.m. to 8:30 p.m. ADM classes for groups of six or more may be held on request at alternate locations.

March 7th & 21st
April 4th & 18th
May 2nd & 16th
June 6th & 20th
July 18th
August 1st & 15th
September 5th & 19th
October 16th & 18th
November 7th & 21st
December 5th & 19th

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

First Time Homebuyers Class (6 hours)

Ghent Norfolk Office:  222 West 19th St., Norfolk, Va. 23509

Participants must attend both Tuesday and Thursday night classes, 6:00 – 9:00 p.m.

March 20th & 22nd
April 17th & 19th
May 15th & 17th
June 19th 7 21st
July 17th & 19th
August 14th & 16th
September 18th & 20th
October 16th & 18th
November 13th & 15th
No December class

 Contact: Tiffany TritchHousing Counselor, (757) 965-8636

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