Housing Program Services Offered

Consumer Credit Housing Counseling Services offers confidential mortgage delinquency and foreclosure prevention housing counseling, to help you understand your options and how to deal with your situation.

The Making Home Affordable © (MHA) Program is a critical part of the Obama Administration's broad strategy to help homeowners avoid foreclosure, stabilize the country's housing market, and improve the nation's economy. 

Homeowners can lower their monthly mortgage payments and get into more stable loans at today's low rates.

Click here for more information on the MHA Program.

Click here to download this informational flyer

First Time Homebuyer Workshop, Hampton, VA

Delinquent Mortgage Counseling

(Click here for the Workshop Schedule)

The First Time Homebuyer Workshop provides prospective homebuyers the opportunity to gain a better understanding about the homeownership process.


  • Credit and Housing Counselor

  • Home Inspector

  • Real Estate Agent

  • Loan Originator

  • Lender


  • Personal Finance

  • Credit Reporting

  • Working with a Lender

  • Role of the Real Estate Agent

  • Virginia Fair Housing Law

  • Home Inspection

  • Loan Closing

  • Life as a Homeowner

After completion of the workshop, you can schedule an individual counseling appointment with a certified housing/credit counselor to discuss your financial situation.

Please call our office at 757-826-2227 or via our website to set up a confidential appointment with a counselor to determine which program options may be best suited for your particular circumstances.

In an effort to be responsive to the needs of today's homeowners having difficulty paying their mortgage or know they will have difficulty in the near future due to unemployment, divorce, homeowners who owe more than their homes are worth, CCCS provides assistance in the various programs that can provide a way out which avoids foreclosure.

  • Home Affordable Modification Program (HAMP)
  • Principal Reduction Alternative (PRA)
  • Second Lien Modification Program (2MP)
  • Home Affordable Refinance Program (HARP)
  • Forbearance
  • Repayment Plan

Foreclosure Prevention

CCCS of Hampton Roads delivers time-sensitive counseling to homeowners on the front line of foreclosure. If you are experiencing difficulty communicating with your mortgage lender or servicer about your need for mortgage relief, CCC’s certified housing counselors provides advocacy foreclosure intervention for the various programs, which includes

  • Loan modification assistance
  • Short sale
  • Deferment
  • Forbearance
  • Deed in lieu 

2021 Cunningham Drive, Suite 400, Hampton, VA 23666  (757) 826-2227