Book an Appointment with VCCDC!

Chat with a VCCDC Mortgage Specialist about your qualification for a first mortgage and down payment assistance programs, including the CalHome Disaster Recovery Deferred Loan Program. This initial meeting will help you determine if you are ready to move forward with a pre-approval for a mortgage. No documents are necessary for this appointment. We look forward to speaking with you!

Converse con un Especialista en Hipotecas sobre nuestras hipotecas y programas de asistencia. Esta reunión inicial lo ayudará a determinar si está listo para aplicar para una hipoteca y si califica para los programas de asistencia. No se necesitan documentos para esta cita.

FOR NEW APPOINTMENTS ONLY (if you are already working with someone on our team please contact them directly, you can view our staff directory here.).

Coaching for Homeownership will provide you with information and guidance before obtaining a pre-approval with a mortgage lender. One of our experienced 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. Working in this one-on-one environment allows us to work together to candidly answer important questions about your home buying goals. Once you schedule your appointment you will receive an email with a link to the list of documents we will need for your appointment (please check your Spam folder). We look forward to speaking with you!

Please note this service is NOT for a loan pre-approval. If you would like a an appointment to obtain a mortgage loan please schedule a “Mortgage Lending Phone Consultation” above.

FOR NEW APPOINTMENTS ONLY (if you are already working with someone on our team please contact them directly, you can view our staff directory here).

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! Once you schedule your appointment you will receive an email with a link to the list of documents we will need for your appointment (please check your Spam folder). We look forward to speaking with you!

Please note if you are NOT a homeowner but would like assistance with budgeting and credit please select the "Coaching for Homeownership" service above.

FOR NEW APPOINTMENTS ONLY (if you are already working with someone on our team please contact them directly, you can view our staff directory here).

Are you a current homeowner who has suffered a financial setback and are worried you may fall behind on your mortgage payments? Are you facing foreclosure? Our Homeownership Specialists can help you determine what options you may have available with your mortgage lender/servicer. Please note at this time VCCDC does not have financial assistance available to assist you in making your mortgage payments. This service is to provide you with the information and guidance you will need to communicate with your lender. Once you schedule your appointment you will receive an email with a link to the list of documents we will need for your appointment (please check your Spam folder). We look forward to speaking with you!

FOR NEW APPOINTMENTS ONLY (if you are already working with someone on our team please contact them directly, you can view our staff directory here).

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 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. For a limited time there is NO CHARGE for counseling (normal fee $175) - subject to funding availability. Counseling sessions are held via phone or video conference. Once you schedule your appointment you will receive an email with a link to the list of documents we will need for your appointment (please check your Spam folder). We look forward to speaking with you!