VVCLT Homeowner Resources

Homeownership is a journey—and we’re here to help you succeed every step of the way.
At the VVCLT, we help people improve their finances, buy homes, and build wealth. Your investment benefits not only your family but also future generations of homebuyers in our community. Explore the programs and services designed to help you thrive as a homeowner:

Financial Programs

  • Credit Counseling
  • Financial Coaching

Homebuyer Education Programs

  • First-Time Homebuyer Workshops
  • Online Homebuyer Education Course
  • Housing Counseling

Affordable Housing Programs

  • Down-Payment Assistance

Homeowner Resources

  • Home Maintenance Checklist

Credit Counseling

Our confidential, low-cost credit counseling services are available to anyone, regardless of income. Our trained counselors help you understand your credit report and develop a plan to improve your creditworthiness. You’ll receive a Tri-Merge Credit Report (combining Equifax, Experian, and TransUnion data) that won’t affect your score—it’s a “soft inquiry.”
Cost: $60 (includes report and analysis) To get started, email administration@vvcdo.com with “Credit Counseling” in the subject line.

Financial Coaching

Our certified financial coaches can help you create a realistic plan to reach your goals—whether you’re saving for a home, paying off debt, or improving your credit.

Financial coaching can help you:

  • Reach your financial goals
  • Improve money management skills
  • Increase savings and reduce debt
  • Build credit and confidence
  • Enhance overall financial well-being

To get started, email administration@vvcdo.com with “Financial Coaching” in the subject line.

Housing Counseling

Buying a home can feel overwhelming—but you don’t have to do it alone. Our certified, bilingual housing counselors help you understand the homebuying process, qualify for the best loan, and access financial assistance programs. We provide guidance on working with lenders, agents, and title companies, review loan and purchase documents, and help you make informed decisions every step of the way.

Down-Payment Assistance Programs

If saving for a down payment feels out of reach, these local programs may help:

Cottonwood Homeownership Down Payment Assistance Program: Funded by the City of Cottonwood and managed by Housing Solutions of Northern Arizona, this program provides up to $40,000 to employees of Cottonwood businesses purchasing their first home in the Verde Valley area. Contact: Angela Koder, Housing Program Manager, angelak@housingnaz.org | 928-214-7456

Sedona Homeownership Down Payment Assistance Program: Also managed by Housing Solutions of Northern Arizona, this program offers up to $40,000 to employees of Sedona businesses purchasing their first home in the Verde Valley area. Contact: Angela Koder, Housing Program Manager, angelak@housingnaz.org | 928-214-7456