Pre – Purchase Counseling
Learn the overview of the entire home buying process. Schedule a one on one appointment with a Certified Housing Counselor to complete an initial financial assessment. Housing Counselors work with you to create an action plan to help you achieve your goal of owning a home. Counselors also identify possible obstacles to the lending process to avoid any unexpected glitches. Other counseling sessions available include:
Determine your credit worthiness with a complete overview of your credit profile. Learn how credit can affect your everyday life and how to improve your credit if necessary.
Understand the relationship of your monthly income, household expenses and creditors to create a plan that eliminates unnecessary spending. Plan for the future and enjoy the finer things in life.
Post Purchase Counseling:
Buying a home can create new expenses once the purchase has been completed. Re-evaluate your monthly budget to determine if adjustments are needed to accommodate any new obligations.
First Time Homebuyer Education Classes and Workshops
The Urban League of Hampton Roads utilizes Virginia Housing Development Authority’s (VHDA) homebuyer curriculum to educate people interested in purchasing a home. Program participants learn in one day of training, the entire home buying process and how to stay on track as a responsible homeowner. Local VHDA Certified guest speakers participate in the classes and cover their area of expertise in their perspective areas. The homebuyer workshops are held monthly in Virginia Beach and on alternating months in the Hampton locations.
Additional Pre-Purchase Workshops Available in 2015
Learn various techniques to repair your credit and remove false/erroneous information from your credit report.
Learn the Role of the Real Estate Agent and what not to miss when searching for the largest purchase you’ll most likely ever make.
Thinking Like an Underwriter
Learn the role of the Lender and what underwriters are looking for when approving a mortgage loan.
Learn the basics about budgeting, credit and how to build personal wealth.