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Foreclosure Counseling 

All services are provided by HUD approved housing counselors who are certified by the federal government to provide guidance and tools to current homeowners, prospective homebuyers, and renters in making responsible choice to address their housing needs.  


How much does it cost? 

Counseling services are FREE! 

How many sessions are there? 
Clients can expect a minimum of three sessions. 

  • Initial Appointment 

  • Progress/Follow-Up Appointment

  • Closing Session

Extension or continuation of services beyond three sessions is available at the request of the client. 

What is covered? 

*Please note this list is not exhaustive of available services*

  • Assess personal financial picture

  • Develop household budget

  • Evaluate loan, payments and delinquency status

  • Communicate with your mortgage company

  • Understand all available Loss Mitigation Options

  • Preparation and submission of paperwork

  • Develop home retention or exit strategy

  • Counselors will help to develop personalized action plan with realistic measures and goals

Contact us by calling 804.285.5986 or by emailing help@cccofva.org to make an appointment today!