Housing Counseling

Housing Counseling Services


We offer a number of programs to assist individuals who are interested in improving their finances, becoming a homeowner, or who need guidance with resolving a mortgage crisis. Please click on one of the programs listed in the navigation buttons or scroll down to review all of our Housing Counseling services. For more information you may contact:

Sherri Payton
Housing Program and Housing Counselor
(757) 788-7162
spayton@hamptonrha.com

6 Steps to Homeownership (For first time homeowners)


1 Attend a FREE Homeownership Education Seminar (to learn about the home buying process)
2 Find a Lender (and get pre-approved for a home loan)
3 Find a Realtor (to assist with your home search)
4 Find a Home (and make an offer to purchase)
5 Attend the Loan Closing (with a closing agent or attorney)
6 Enjoy Homeownership (Congratulations!)

One-on-One Rental / Financial Counseling


A Counselor will help you:

‌‌‌ Identify your needs, rights & responsibilities as a renter
‌‌‌ Set your priorities by creating an action plan detailing short & long term goals & objectives
‌‌‌ Develop a consistent spending plan
‌‌‌ Identify credit challenges & understand how to clear them up; understand how to handle credit wisely
‌‌‌ Understand basic financial literacy concepts

One-on-One Pre & Post-Purchase Counseling


A Counselor will help you:

‌‌‌ Identify barriers standing between you & your goal of homeownership
‌‌‌ Create an action plan that sets goals & objectives to help you reach your homeownership goal
‌‌‌ Develop a spending & saving plan
‌‌‌ Reduce & manage debt
‌‌‌ Understand & handle credit wisely
‌‌‌ Maintain good financial habits before & after your home purchase
‌‌‌ Understand foreclosure prevention & alternatives to foreclosure
‌‌‌ Understand how to manage potential financial hardship

Mortgage Delinquency / Pre-foreclosure Resolution Counseling


A Counselor will:

‌‌‌ Help you understand what options are available for all consumers
‌‌‌ Contact your mortgage servicer/company to help you discover what options are available for you
‌‌‌ Help you follow through with suggestions/options from your mortgage servicer/company
‌‌‌ Guide you to potential resources or solutions that may help resolve your crisis

VHDA Homebuyer Education


This FREE 8-hour Homebuyer Educational course will cover the entire home buying process & discuss the following topics:

‌‌‌‌ Personal Finance
‌‌‌‌ Credit & Credit Reporting Issues
‌‌‌‌ Working with a Lender
‌‌‌‌ The Role of the Real Estate Agent
‌‌‌‌ The Home Inspection
‌‌‌‌ The Loan Closing

Please check the Upcoming Events page for the next VHDA Homebuyer Education class that will be held at 2 Foley Street, Hampton, Virginia. Because seating is limited, please contact Sherri Payton, Housing Program and Housing Counselor, at 757-788-7162 to register.

Post-Purchase Education


This FREE 8-hour Homebuyer Educational course will cover the entire home buying process & discuss the following topics:

‌‌‌‌‌ Ongoing Money Management
‌‌‌‌‌ Maintaining your Home
‌‌‌‌‌ Energy Conservation/ Home improvements
‌‌‌‌‌ Equity & Additional Lines of Credit
‌‌‌‌‌ Understanding & Preventing Predatory Lending
‌‌‌‌‌ Foreclosure Prevention
‌‌‌‌‌ Scams

Please contact Sherri Payton, Housing Program and Housing Counselor, at 757-788-7162 to register.

Useful Resources


www.hud.org - US Dept of Housing & Urban Development.
www.virginiahousingcounselors.org - VA Association of Housing Counselors.
www.ftc.gov - Federal Trade Commission.
www.makinghomeaffordable.gov - Help for homeowners.
www.vlas.org - Legal Aid.
www.211virginia.org - Community services information.
www.hampton.gov - City of Hampton.
www.VirginiaForeclosurePrevention.com - Foreclosure Prevention Task Force.
www.dhcd.virginia.gov/VIDA - Savings program.
www.freddiemac.com - Refinance programs.
www.loanscamalert.org - Loan scam information.
www.360financialliteracy.org - Financial literacy.
www.feedthepig.org - Financial literacy.
www.dss.virginia.gov - Dept. of Social Service.
www.dpor.virginia.gov - VA Fair Housing Office.
www.thebeehive.org - Help with money, housing, jobs.