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For Families

Housing & Financial Counseling

Improving your financial stability.
Improving your financial stability.

Our Program

About the Program

As a HUD approved Comprehensive Housing Counseling Agency, our Housing and Financial Counseling program is dedicated to assisting households in obtaining, maintaining or improving financial stability and permanent housing, bringing them from crisis to wholeness and helping to stabilize communities.

The Up Center provides these one-on-one services:

  • Foreclosure and loss mitigation counseling
  • Pre-purchase counseling
  • Post-purchase counseling
  • Rental counseling
  • Reverse mortgage counseling

Our Clients

Housing and Financial Counseling Services are available to anyone in the Hampton Roads region who is seeking credit counseling or housing support services. We can also help clients outside of Hampton Roads on a case by case basis.
Teria Uzzle on her stairs
Jarvis hanging a picture

What Makes Us Different

At The Up Center, we believe that every individual and family can achieve financial success and stability given the right tools, information and guidance. Whether you are trying to create an effective spending plan, improve your credit, become a homeowner, or avoid foreclosure, we are here to help. Our HUD Certified housing counselors follow HUD and National Industry Standards, provide trauma informed care, and are well trained with the skills and competencies needed to help individuals and families reach their housing and financial goals. There are no fees for services with the exception of Reverse Mortgage Counseling.

Our program has helped more than 10,000 households and has been a HUD certified counseling agency since 2004. Our team has more than 26 years combined experience in helping people with secure safety and stability through housing.

Our Impact

Every year, The Up Center assists a multitude of families in dealing with their housing and financial goals. In 2020, we helped:
674 households
prepare effective spending plans, avoid foreclosure, and prepare for homeownership
381 households
that participated in education classes, impacting 868 individuals
117 families
avoided foreclosure or eviction and kept their home

Other Resources

Additional information is available through the US Department of Housing and Urban Development.

True Stories

“The speakers were very informative and made me feel better about purchasing my first home … thank you for this GREAT class!!!”

—Participant 8/22/2019 VHDA’s Homebuyer Education Class

“The help I received from the UpCenter to purchase my first house was exceptional. The counseling services provided by Tiffany were tremendous. She helped with my credit score when it came to understanding how important credit is when purchasing a house. The program additionally taught me to budget by looking at my spending habits monthly and by cutting back on different activities. The first-time home buying class was influential because they helped me understand the process of buying a house and made it easier for me!”

—Teria Uzzle

“I thoroughly enjoyed this class … Erica was very informative, descriptive and in depth with the details … I learned quite a bit in her class and plan to use what I learned to help with a budget.”

—Participant 10/9/2019 Art of Debt Management Class

Meet the Team

Tiffany Tritch

Tiffany Tritch

Manager, Housing and Financial Counseling Program
Tiffany joined The Up Center as a Housing Counselor in 2012. She works closely with individuals and families to assist them in achieving their financial goals, whether that be by helping them to develop a budget, become mortgage ready, or counsel seniors on reverse mortgages. Tiffany is a HUD Certified Housing Counselor, Reverse Mortgage Counselor and a VHDA Homebuyer Education facilitator. Tiffany resides in North Carolina with her family and enjoys camping, gardening and being crafty in her spare time.

Erica Ramjohn

HUD Certified Housing Counselor. Erica started with The Up Center in 2016. Her primary role and passion is working with homeowners who are experiencing financial hardships and may be at risk of losing their homes to foreclosure. She acts as an advocate for homeowners, assisting them with the comprehensive process of loss mitigation. Erica also facilitates our monthly Art of Debt Management class. She resides in North Carolina with her husband and is very active in her community where she serves in different capacities, from board member of the Habitat for Humanity to co-host of the River City Reviews radio show.

Ann-Marie Thomas

HUD Certified Housing Counselor. Ann-Marie started with The Up Center as a volunteer in 2019 and joined the staff full-time in 2020. Her primary role is providing financial education and counseling to the residents of the St. Paul’s area in Norfolk, in partnership with People First/USI. She has a background in housing and financial counseling and previously worked for Samaritan House as a Housing Locator, assisting residents in obtaining and maintaining housing. In her spare time, she likes to spend time with family and friends and travel.

Dalanda Boyd

HUD Certified Housing Counselor. Dalanda started with The Up Center as an intern while she completed her degree in Human Services at Thomas Nelson Community College. She joined the team full-time in 2020 as a Housing Counselor. She has a background in financial education, previously teaching financial literacy to high school students. Her primary role is providing financial education and one-on-one financial and housing counseling services to the community, including residents of the St. Paul’s area in Norfolk, in partnership with People First/USI. In her spare time, she enjoys spending time with her family and friends, listening to music, and being a frugal shopper!

Info Sessions

We also offer monthly housing and financial classes to either prepare you for homeownership or provide you information on basic financial planning, credit management and debt management. We are currently providing the following:
  • VHDA’s Homebuyer Education
  • The Art of Debt Management
  • Understanding the Importance of Credit
  • Leasing and Fair Housing
Please check our calendar for availability.

These classes can be requested by external organizations and agencies on-site for 6 or more participants. For further information on setting up a class for your organization, please contact us at

Contact Us

Location: 222 W 19th St, Norfolk, VA 23517

Phone: (757) 965-8636

Fax: (757) 640-8402



Hours: M-Th 8:30am – 5:00pm and F 8:30am – 4pm

Please check the calendar for group class schedule

Also seen by appointment


How You Can Help

Our clients often need additional support. Below is a list of items that are needed year round:
  • Gift cards to local hardware stores
  • Visa gift cards to help us incentivize budgeting and saving
  • Gift cards to Pizza Hut or grocery store to provide refreshments for our group classes
  • Gift cards to Staples for home office supplies

Please email us at if you’d like to help.

To see a list of items frequently requested by families, including items for children, please visit our Amazon Wish List.

Our Mission

We are committed to partnering with children, families, and communities to improve lives and outcomes through prevention, intervention, and support services.