Education and Outreach, Financial Literacy and Predatory Lending

The RHOC offers Financial Literacy classes on an ongoing basis. Click on current events to find out when the next class is scheduled.

May 10 Using Credit to Your Advantage, Part 1
June 14 Using Credit to Your Advantage Part 2
July 12 Planning your Future August 9 Buying a Home
September 13 Starting a small Business
Oct 11 Managing a small business
November 8 Growing a small business

Sessions start promptly at 6:00 p.m. to 7:30 p.m. and held at Piedmont Housing Alliance Housing Office located at 111 Monticello Ave Ste. 104 (corners of Monticello Ave and Gleason, downtown ACAC building) To RESERVE a seat you must PRE-REGISTER call 434-817-2436 or email info@piedmonthousing.org

Consumer Information and Foreclosure Prevention-May 20th, 6-9pm, at CAAR 550 Hillsdale, Charlottesville: Information session designed for Homeowners to get their questions answered. Learn the about the process, is loan modification for me, what about bankruptcy, is it an option, what’s a short sale, know your Fair Housing Rights, and what other options and community resources are available to help prevent foreclosure. Register at info@piedmonthousing.org

First Wednesday’s are Lunch and Learn with PHA from 12 noon to 1pm
Rental Counseling, Fair Housing, and Default/Foreclosure Prevention

June 2 Regional Home Ownership Center/What’s up with your Credit?
Aug 4 Virginia Individual Development Account Program-
October 6 Life after Bankruptcy-Rebuilding your Credit
Nov 3 Regional Home Ownership Center’s Homebuyer Programs

MONEYSMART

FINANCIAL LITERACY CURRICULUM

1. Bank On It – Introduction to types of financial institutions, products and services offered and basic banking terminology.

2. Borrowing Basics – Overview of credit, types of loans, cost of credit and how to apply for credit.

3. Check it Out - Benefits of a checking account, determining what type of account is right for you, opening and using your account and maintaining records.

4. Money Matters – Discusses why to keep a budget, tools and considerations to budgeting and definitions of income and expenses.

5. Pay Yourself First – Overview of savings, tips on savings and growing your money, what options and account are available and how to determine what investment options are available and what saving options are best for you.

6. Keep It Safe – Federal Consumer Protection Laws, deposit regulations, non-deposit investment products, lending/loan information, loan scams.

7. To Your Credit – What is a credit report, how to obtain a copy and read your credit report, building and repairing your credit history.

8. Charge It Right - Characteristics of a credit card, how to apply for credit, paying your bill, keeping records and lost/stolen credit cards.

9. Loan To Own – Installment loan basics, car loans, other secured installment loans, unsecured installment loans.

10. Your Own Home – Should you rent or own, are you ready to buy a home, homebuyer assistance programs, mortgage terminology, home much mortgage can you afford and shopping for the best deal.

Contact a Housing Counselor for more information; 434-817-2436