COUNSELING

Pre-Purchase

Foreclosure Prevention
Rental Counseling
Homelessness Prevention

WORKSHOP

First Time Homebuyer

Foreclosure Prevention

Financial Fitness

UPCOMING EVENTS


Providing Housing Opportunities for the HAMPTON ROAD’S Community

 

Road to Homeownership Pre-purchase Programs


 

Are you considering Buying a Home?

 

The Urban League of Hampton Roads, Inc. (ULHR) Housing and Financial Capabilities Center program goals are to EDUCATE and EMPOWER potential homebuyers on the homeownership process from preparing to apply for a mortgage to turning the key in the front door of your new home.  The ULHR teaches you the benefits of homeownership through one-on-one Pre-Purchase Counseling and First Time Homebuyer Education Classes/Workshops. Emphasis is placed on the importance of financial management through budget planning and creation to provide tools on how to enjoy your home while building wealth. The ULHR has partnerships with outside agencies to assist with Employment Opportunities, Down Payment Assistance Programs, Legal Support, Real Estate Agents and Mortgage Lenders.  Have comfort in knowing each person’s goal is for you to make a smooth transition into your NEW home.



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:

 

  • Credit Analysis: 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.

  • Budget Management: 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


Credit Restoration

Learn various techniques to repair your credit and remove false/erroneous information from your credit report.


Home Excursion

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.


Financial Fitness 

Learn the basics about budgeting, credit and how to build personal wealth.

 

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