Build a simple plan for your money, protect your housing, and move toward your goals
Everyone deserves a safe, stable place to live. Our counselors offer judgment-free coaching to help you budget, build credit, manage debt, and plan for big steps like renting or buying a home. We meet you where you are—and walk with you at your pace.
What We Offer
- Budget Coaching: Make a monthly plan that fits your real life.
- Credit Building: Read your credit report, spot errors, and learn steps to boost your score.
- Debt Strategies: Explore repayment options and reduce stress from bills.
- Renter Readiness: Know your rights and responsibilities; prepare to apply and communicate with landlords.
- Homebuyer Readiness: Learn what lenders look for and map out a path to homeownership.
- Savings & Emergency Funds: Set goals and build habits that stick.
- Referrals: Connections to benefits, workforce partners, and community resources.
Classes & Workshops
Build a simple spending plan and track needs vs. wants.
Understand reports and scores, and how to improve them.
Applications, deposits, leases, and landlord communication.
Steps to get mortgage-ready and avoid common mistakes.
Frequently Asked Questions
With your permission, yes. We can help communicate and explore options.
No. We don’t make lending or housing decisions, but we help you become a stronger applicant.
No. We provide counseling and education and can refer you to trusted partners if you need legal or tax help.
Many clients see progress after 1–3 sessions. We tailor the timeline to your goals.
No. You can meet one-on-one, take a class, or do both.
No, we are application agents for Virginia Housing’s Accessibility Grants. More information can be found at Virginia Housing.
No, we do not provide financial assistance. Please contact the Housing Crisis Hotline at 757-587-4202, call 2-1-1, or go to Resources 757.
We do not provide homeless services. Visit the U.S. Department of Housing and Urban Development to find an agency near you.
No, we do not provide down payment assistance but we can connect you with the right organization for further information as part of our pre purchase counseling service.
Our Team
Our Team
I manage the Housing and Financial Counseling department, overseeing grants, program development, and services that help families achieve financial stability. I started with The Up Center in 2012 as an intern and have grown with the organization ever since. I hold an Associate’s Degree in Applied Science and Human Services, HUD Certified Housing Counselor and HECM Counselor. I am also a Virginia Housing Homebuyer Education Facilitator.
What motivates me most is being part of the change that helps families and individuals reach their goals. I’m passionate about fostering a positive work environment where staff can thrive while making a difference in our community. Outside of work, I enjoy gardening and spending time with my family.
I serve as the Senior HUD Certified Housing & Financial Counselor, helping individuals and families improve their financial stability and achieve housing goals. I bring professional expertise and leadership to the program, ensuring our services meet the highest standards of excellence.
My work is deeply aligned with The Up Center’s mission to strengthen families and empower individuals. I enjoy helping people overcome challenges and move toward independence and confidence. Outside of work, I love hosting and interviewing great guests on a radio show.
I assist clients who are interested in purchasing a home, preventing foreclosure, or improving their overall financial well-being. My prior experience includes 31 years in commercial and corporate banking where I developed a deep understanding of client support and financial education.
I’m motivated by seeing clients achieve their financial goals and gain confidence in managing their resources. I enjoy hearing that my clients have fulfilled their dreams of becoming homeowners. Outside of work, I love to read both fiction and non-fiction books.
Contact Us
Wherever you’re starting, we’ll meet you there. Get practical tips, one-on-one coaching, and a clear plan for your money and housing goals. Most services are free or low-cost.
