We are ready to help with your homeownership needs!
Please review the services below to find the one that best fits your needs.
If you have any questions call us at 805-273-7800.
For future homebuyers
-
We look forward to helping you achieve homeownership through one or more of our services which include: classes, financial coaching, mortgage lending and down payment assistance! Please complete our interest form and we will contact you promptly to talk about next steps.
-
Our Coaching for Homebuyers service will provide you with information and guidance before obtaining a pre-approval with a mortgage lender. One of our HUD-Certified Homeownership Specialists will meet with you to review your finances including your credit, evaluate your mortgage readiness, and ultimately help you build a plan with clear action steps to help you reach your goal of homeownership. Counseling sessions are held via phone, video conference or in person.
Please click on the button below to complete our intake forms. Once you complete the forms you will be automatically redirected to our appointment booking page.
Do you prefer a paper intake? Please visit our office at 2231 Sturgis Road, Suite A, Oxnard, CA 93030 (M-F, 9am - 6pm, closed for lunch 12:30pm - 1:30pm) or click here for a pdf copy.
For homeowners
-
Whether it’s a lower payment, quicker payoff or a much needed home improvement, VCCDC will help you find the right mortgage solution. Our Mortgage Specialists will help you understand whether refinancing makes sense for you and will let you know exactly what to expect from the process.
-
If you are a homeowner who is at least 62 years old, VCCDC's Homeownership Specialists can help you determine if a reverse mortgage is right for you. Our Homeownership Specialists can provide the required HUD-approved Reverse Mortgage Counseling, which includes:
Evaluating the pros and cons of a reverse mortgage for your situation
Explaining how reverse mortgages work, including payment options, costs, tax implications, benefits and drawbacks
Providing alternative options -
Connecting you to other community resources
A counseling completion certificate which is required by lenders should you decide to move forward with a reverse mortgage
Upon the completion of the Reverse Mortgage counseling, you should be able to make an independent, informed decision of whether a reverse mortgage will meet your specific needs. Currently, the $175 fee for counseling is waived for new clients. However, this may change without notice once grant funds are depleted. Counseling sessions are held via phone, video conference or in person.
Please click on the button below to access the intake forms. Once you submit your intake forms you will be automatically redirected to our appointment booking page.
Do you prefer a paper intake? Please visit our office at 2231 Sturgis Road, Suite A, Oxnard, CA 93030 (M-F, 9am - 6pm, closed for lunch 12:30pm - 1:30pm) or click here for a pdf copy.
Reverse Mortgage Counseling is currently unavailable. Please click here to visit HUD’s Counseling Agency site or call (800) 569-4287 for a list of additional agencies that may offer this type of counseling.
-
Homeowners who have missed payments for their primary residence, faced a financial hardship during the pandemic and who meet household income eligibility requirements based on Area Median Income may be eligible for mortgage relief funds through the California Mortgage Relief Program. Assistance can be provided for late mortgage payments and property taxes. VCCDC can assist you with applying for the program. VCCDC does not have a role in determining eligibility nor how quickly applications are reviewed. If you would like to determine if you meet the basic eligibility criteria please visit: https://camortgagerelief.org/who-is-eligible/. If you have already applied please reach out to the Call Center at 1-888-840-2594.
Counseling sessions are held via phone, video conference or in-person.
Please click on the button below to access our intake forms. Once you submit the intake forms you will automatically redirected to our appointment booking page.
Do you prefer a paper intake? Please visit our office at 2231 Sturgis Road, Suite A, Oxnard, CA 93030 (M-F, 9am - 6pm, closed for lunch 12:30pm - 1:30pm) or click here for a pdf copy.
-
As a current homeowner you can work with our Homeownership Specialists to obtain valuable information and guidance on maintaining and preserving your home. Are you interested in budgeting for home maintenance and repairs? Do you want to re-evaluate your budget and create a new spending plan to meet your needs as a homeowner? Are you thinking about refinancing but would like guidance prior to meeting with a mortgage lender? Whatever your financial goal may be as a homeowner we can help! Counseling sessions are held via phone, video conference or in person.
Please click on the button below to complete our intake forms. Once you complete the forms you will be automatically redirected to our appointment booking page.
Do you prefer a paper intake? Please visit our office at 2231 Sturgis Road, Suite A, Oxnard, CA 93030 (M-F, 9am - 6pm, closed for lunch 12:30pm - 1:30pm) or click here for a pdf copy.