Following is a list of HUD approved housing counseling agencies that
provide assistance to homeowners in Northern Virginia:
Arlington Home Ownership Made Easier, Inc.
2009 N. 14th Street, Suite 507
Arlington, VA 22201
Asian-American Homeownership Counseling, Inc.
12320 Parklawn Dr. #239
Rockville, MD 20852
6066 Leesburg Pike, Suite 100
Falls Church, VA 22041
Offers a free budgeting class every month in different locations around Fairfax County. Please check their web site, https://britepaths.org/, for the dates and location of classes, and contact Marcelle Miles, Financial Literacy Manager, Our Daily Bread at 703-273-8829 to register. In addition, Britepaths offers a six-month financial mentoring program for motivated clients, and a free Financial Counseling Clinic most months of the year.
Britepaths has arranged credit education classes in partnership with Fairfax County Human Services and the Homeownership and Relocation Services Division of the Fairfax County Department of Housing and Community Development.
CredAbility - National Hotline
3138 Golansky Boulevard, Suite 202
Woodbridge, Virginia 22192
5827 Columbia Pike
Falls Church, VA 22041
2049 N. 15th Street, Suite 200
Arlington, VA 22201
1315 Duke Street
The Northern Virginia Urban League offers the six week Credit
Smart classes in Alexandria. Classes will be held at the South
County Government Center, 8350 Richmond Highway, 2nd floor conference
center, Alexandria, VA 22309. For more information and to reserve a
seat, please call Geoffrey Tate at 202-320-0571 or email Geoff at firstname.lastname@example.org. In order
to get a certificate, attendees must complete the entire series.
This is a financial literacy partnership with the Fairfax County
Department of Human Services and the Homeownership and Relocation
Services Division of the Fairfax County Department of Housing and
Your Credit and Why It Is Important; Understanding Credit Scoring
Establishing and Maintaining Good Credit; Avoiding Credit Traps
Managing Your Money; Goal Setting; Banking Services--An Important Step
Thinking Like a Lender
Becoming a Homeowner
Preserving Homeownership; Protecting Your Investment
1086 Elden Street
Herndon, VA 20170
Homeowners facing foreclosure may also call the Homeownership Division
of the Department of Housing and Community Development at 703-246-5087,
weekdays from 8-4:30 p.m., or visit http://www.fairfaxcounty.gov/foreclosures.
This information can be requested in an alternate format by calling 703-279-7309, TTY 711.
Foreclosure Prevention-Nothing Is Worse Than Doing Nothing
Unfortunately, more than half of homeowners facing foreclosure do not call for help when they begin to fall behind in their payments. However, the early stages of delinquency are the most crucial. Homeowners who are one or two payments behind are more likely to keep their homes than those who have fallen further behind on their payment schedule. How to proceed:
To be effective at avoiding foreclosure, a homeowner needs to take these steps:
1. Assess your situation: Can you afford to stay in the home and do you want to keep it?
- Fill out a monthly Spending Plan, provided by the Virginia Housing and Development Authority (VHDA). Be sure to put in all your expenses. Is it affordable to stay in the property?
Determine what type of mortgage you have in order to know where to
start. If it is an FHA loan or VHDA loan, or a Veteran’s
Administration loan, go directly to that agency:
- Homeowners holding a VHDA mortgage may call 1-800-227-8432 or visit the VHDA's website at www.vhda.com.
- Homeowners holding an FHA loan, can call the FHA National Servicing Center at 1-800-CALL- FHA /1-800-225-5342 or e-mail at: email@example.com.
Homeowners holding a Veterans’ Administration
(VA) mortgage may call 1-877-827-3702 or contact the VA
If your mortgage is none of the above, contact the loan servicer through their hotline. A list of loan servicers is provided by the Virginia Foreclosure Prevention Taskforce at: www.virginiaforeclosureprevention.com/loan.asp.
2. Contact a National Foreclosure Mitigation Counselor.
Homeowners may obtain these services for free of charge. There is no need to pay for foreclosure counseling. For a list of local agencies, please click here.
3. Assess where you are on the Foreclosure Timeline.
The Foreclosure Timeline is provided by the Virginia Foreclosure Prevention Taskforce. Please note, if the mortgage is more than 72 days late, a homeowner will need legal assistence. Contact Legal Services of Northern Virginia for their Foreclosure Legal Assistance Program at 703-368-5711.
4. Foreclosure scams
Homeowners who have been or suspect they may have been a victim of a foreclosure scam should contact the Fairfax County Consumer Affairs Branch at 703-222-8435, TTY 711.Information on foreclosure scams is also available at the following web sites:
5. Renters in properties facing foreclosure?
Renters have rights under the “Protecting Tenants at Foreclosure Act of 2009”.You can contact the Fairfax County Office of Consumer Affairs at 703-222-8435, TTY 711, for more information.
HOPE NOW (hotline: 1-888-995-HOPE/1-888-995-4673)
Foreclosure Prevention Task Force, includes information
Housing Counselor Search
Household Spending Plan
Loan Servicers List
Tips for Preventing Foreclosure