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Calendar for Budgeting & First Time Homeowner Ed. Classes

The Promise of Community Action
"Community Action changes people's lives, embodies the spirit of hope, improves communities, and makes America a better place to live. We care about the entire community, and we are dedicated to helping people help themselves and each other."

Homebuyer Education

Buying your first home, likely represents the greatest financial commitment you will ever make. At the same time, owning your first home comes with a special pride in your new home that sometimes rivals that of a new child. While these joys should be relished, the liability and responsibility of new home ownership should not be downplayed. That is why AppCAA offers free first time homebuyer education classes. We have the knowledge of two certified housing counselors who are dedicated to teaching you the importance of home ownership. With each class offered, you will be provided the education you need to purchase a home. Even for those who may be buying a home for the second or third time, you will learn about setting up a spending plan, saving to buy a home, selecting a home, how to purchase it, the home mortgage loan process for financing, and more. We have assembled over 80 pages of information to help make your first home buying experience a great one. By completing this course, you will have taken the first step in getting the information you need to buy a home. While possibly feeling some anxiety in purchasing a home for the first time, we hope with the knowledge you gain from this course, this experience will prove to be the first of many positive real estate transactions for you.

Pre-purchase Counseling

You can meet one-on-one with a housing counselor to discuss the criteria for buying a home, review mortgage products for first time homebuyers, determine a budget and overall credit history information, understand the steps to buying a home, and learn about closing and post closing information. AppCAA also holds classes each month with curriculum from the Homebuyer Education Guide from the Virginia Housing Development Authority. Our Housing Counselors have undergone extensive training, are certified by the Virginia Housing Development Authority (VHDA) and Virginia Association of Housing Counselors (VAHC) and can assist you with all your mortgage-related questions - at no cost to you. Counselors can assist you in preparing an "action plan" to follow to prepare for homeownership. Recognizing the benefits, barriers, and affordability of home ownership are critical to your financial future. A Certified Housing Counselor will educate you on ways to evaluate and understand the home buying process, and to better understand the overall process of mortgage lending. Documentation usually required for a homebuyer preparation appointment will include pay stubs and bank statements for the last three months,tax returns/W-2s for the last two years, and credit information (if applicable). Additional information may be required. To schedule an appointment, in Scott County call 276-386-6441, in Lee County call 276-346-0054, and in Wise County call 276-679-6441.