
Whether you're ready to buy your first home, facing foreclosure, or struggling with rent, our HUD-certified counselors provide personalized expert guidance to help you reach housing stability.
Counseling sessions are one-on-one, confidential, and paced around you. If you have questions before you're ready to schedule, you're welcome to call us first to help you reach housing stability.
Get mortgage-ready with a personalized action plan, a full credit review, and one-on-one guidance that covers the homebuying process from start to finish in detail.
If you're behind on mortgage payments or at risk of foreclosure, a HUD-certified counselor can help you understand your options and protect your equity.
Rental counseling to help you avoid eviction, identify assistance programs, and build a budget that keeps you housed and moving forward in your rented space.
As a HUD-approved agency, CRI is held to strict standards for counselor certification, consumer protection, and service quality. This means you receive unbiased guidance, with no pressure to purchase any additional products or services.

Before borrowing against your home, understanding the full cost is essential. Our counselors can walk you through the risks and alternatives so you're working from complete information.
The choice to refinance depends on your rate, remaining balance, and how long you plan to stay in the home. Our counselors can help you work through the numbers before you commit.
Changes in life (a job switch, medical expenses, rising property costs) can put pressure on your budget, so our counselors can help you catch early warning signs and navigate a new budget.
Credit Restoration Institute
31 North Providence Road, North Chesterfield, Virginia 23235
(804) 823-9601 - HUD Agency ID# 90831
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