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What is the Total Action for Progress Housing Counseling Program?

The Housing Counseling program is designed to assist first-time home buyers with purchasing a home and to help present homeowners who are in danger of losing their homes to foreclosure.

Our program offers many primary services, including:

  • First-time Homebuyers Education Workshop
  • Pre-purchase Counseling
  • Mortgage Default Counseling
  • Refinancing Assistance
  • Homebuyers Club

For clients who want to become first-time homeowners, we provide assistance through our 1st Time Homebuyers Education Workshop. This class takes clients step-by-step through the home buying process. Our Pre-purchase Counseling is designed to help renters become home-owners by assisting clients with the pre-purchase process. We also have a Homebuyers Club for clients who need long-term assistance before they can purchase a home due to barriers such as overcoming credit issues, establishing savings accounts and overcoming income barriers. The classes are held at Freedom First Bank, located on 1210 Patterson Ave, SW, Roanoke, VA 24016. You must first register for the class on VHDA.com

Another service, Default Counseling Assistance, helps homeowners who have delinquent mortgage payments or are facing foreclosures (mitigation). Our counselor acts as a mediator between clients and the mortgage companies to get the lenders to modify loans, whether it be in the form of lower interest rates, taking the delinquent payments and putting them on the back-end of the loans or helping clients to receive new repayment plans.

What areas does this program serve?

Housing Counseling services are available to residents of Alleghany County, Bath County, Botetourt County, Craig County, Roanoke County, Rockbridge County, Buena Vista, Covington, Lexington, Roanoke City, and Salem.

Is there a cost for this program?

There are no costs to qualifying clientele. Clients who receive home mortgage loans are responsible for servicing their debt.

How can I access services?

The Financial Services Housing Counseling office is located on 302 2nd Street. S.W, downtown Roanoke, Virginia. Our hours of operation are from 8:30 a.m. to 4:30 p.m., Monday through Friday. For more information, please call Carolyn Coles at (540) 283-4917. You may also contact Ms. Coles via email by using the "Contact" button at the bottom of the page.

Am I eligible for this service?

There are no qualifications for the Homebuyers Education Workshop or default counseling. One-on-one individualized counseling is for any first-time homebuyer whose income is 80% or less of the Area Median Income, according to household size. To find your area median income, click on this link:HUD User. Then click on the "FY 2014 Income Limits Documentation" button. You will be able to enter the city or county in which you live to find your area median income.

Your donations are necessary to make this program possible.


Community Partnerships and Funding

The Housing Counseling Program works with all HUD financial institutions.