VCCDC Community Matters Newsletter – February 2019

Greetings!
Happy New Year to you and your loved ones! For 18 years, VCCDC has operated with the belief that a home is the cornerstone of any individual and family’s economic, environmental and social well-being. This year, we promise to continue to help build the path to homeownership and financial stability for families and individuals in our community.
In 2018 we were able to engage 323 families in our Coaching for Homeownership Program (CASH) and 835 individuals through our Homebuyer Education Workshops with an additional 333 served through post purchase and financial capability workshops. 183 families went on to purchase their own home and embark on a life of stability and increased financial capacity. We hope to serve even more families in 2019, whether they are looking to buy a home or are having trouble keeping their home, we are here to come alongside families in need and lend our expert advice.
Wishing you prosperity and peace in 2019.
Sincerely,
Bertha M. Garcia
VCCDC
Executive Director
From Renter to Homeowner
stories from our clients
“Working with VCCDC was an important part of our success as they walked us through our goal of becoming homeowners. They had all the answers for our questions, the best financial advice and amazing patience to explain how everything works.”
– Lupe Monreal, VCCDC Homeowner
For Sergio and Lupe Monreal, it felt like homeownership would be out of reach for many years to come. Housing was becoming less and less affordable, and it seemed there would be no way out of their deteriorating, overcrowded rental unit. Some of the family have developed severe allergies to the relentless mold that developed around the unit. As their three children grew older, they started to comment on their surroundings and see that they were not in a ‘home’ like their friends; they were seeing their poor living conditions in a new light. Sergio, their father, describes “I felt weak, like I’d failed as a father and didn’t give them a better place to live”.
VCCDC aims to give people ‘a new way home’, something the Monreal family have now experienced firsthand. For over a year, they participated in VCCDC classes and counseling, and last month they finally closed on their own 3-bedroom home in Oxnard, thanks to a partnership with Habitat for Humanity. Their mortgage is actually less than what they paid for their mold-infested apartment. Ashlee, their 12-year-old daughter, finally has her own space and no longer shares a bedroom with her two brothers. Their joy is undeniable and just a few moments with them will reveal that their lives, especially those of their children, are forever changed.
Congratulations, Monreal family! We wish you the very best as you start your new lives as homeowners.
“For our kids, this home will be the space where they’re going to develop their greatest wishes, their dreams, and it will be the place where they are going to hide when I ask them to clean the kitchen.”
– Lupe Monreal, VCCDC Homeowner
Community Matters Partner Highlight
The work of VCCDC is made possible by organizations and charitable foundations who appreciate our work and want to see it continue. We are very grateful to our grantors for this funding. Their support is critical in helping us continue our mission of empowering families and individuals through education and homeownership.
Thank you to the Wells Fargo for awarding VCCDC a $100,000 grant to support the Disaster Recovery efforts in the Ventura and LA County!
Thank you to OneWest Bank for awarding VCCDC a $20,000 grant to support our Changing Lives through Homeownership Education & Counseling Program! We are grateful for your continued partnership!
Thank you to Bank of America for awarding VCCDC a $20,000 grant. We are grateful for your continued partnership!
Thank you to Union Bank for awarding VCCDC a $15,000 grant! We are grateful for your continued partnership!
Program of the Month
Did you know?
Upcoming Events
Stay up to date with our latest news and events on our Facebook Page!
Buying a home can be complicated…don’t do it alone!
Let VCCDC guide you through the homeownership process with its
HUD-approved Homebuyer Workshop:
Value of attending VCCDC’s Homebuyer Workshop:
  • Learn the steps to buying your own home
  • Up-to-date, easy to understand information
  • Advice from industry experts
  • Access information about Down Payment Assistance Programs & First-Time Homebuyer Loans
  • Welcoming setting, no-pressure, no sales – Be informed!
  • Latest version of “Realizing the American Dream” – a must-have manual for homebuyers
  • HUD-Approved Certificate – can help you access up to $35,000 in Down Payment Assistance and/or First-Time Homebuyer loans
You can get all this FREE using promo code: VCCDC
Upcoming Workshops
Saturday, February 16 @ VCCDC Homeownership Center
Saturday, Feb 16 @ VCCDC Homeownership Center
Celebrate National Homeownership Month with us at VCCDC’s 7th Annual Homeownership & Community Resource Fair on June 1st, 2019! You’ll get access to free information on down payment assistance programs, first time homebuyer programs, refinance programs, credit improvement services, and community resources ranging from disaster preparedness, health, employment services, and more!
Join us for the Los Angeles Home Buyer Conference in February! The Home Buyer conference is a free educational event that connects potential & existing homeowners with the resources they need to achieve their goal of becoming a homeowner, maximizing equity as a current home owner or looking into real estate as a career choice. Our expected attendance of 300+ guests can expect an all inclusive Lunch while taking advantage of 4 workshops, credit counselors lounge & a on-site loan pavilion for same day pre-qual for anyone wanting to buy a house.
News & Announcements
Our Director of Lending, Alex Vega, sat with ‘Our Ventura TV’ to talk about how VCCDC is helping families in Ventura County.
“Don’t give up…we’re helping families and individuals get into homes TODAY that are low and moderate income.” – Alex Vega
Watch the video by clicking the link below.
Nonprofit Ventura County Home Buying Assistance
CONNECT WITH US
Be sure to follow us on our social media to stay up to date with our latest news! Just click on the links below.
Our Mission:
“To strengthen and sustain vibrant communities by empowering and enabling low-to-moderate income individuals and families to build wealth through education and homeownership with a primary focus on serving low-to-moderate income clients”.
VCCDC
2231 Sturgis Road, Suite A
Oxnard, CA 93030
Monday – Friday
9:00am to 6:00pm
Phone:(805) 273-7800
Fax: (805) 604-1359
All loans subject to approval. Certain conditions & fees apply. This is not an offer to extend credit to any individual who may be entitled to a more complete disclosure per RESPA, TILA, HOEPA or any other more applicable federal, state, or local law or regulation. Rates, terms, fees, products, programs and equity requirements are subject to change without notice. For qualified borrowers only. Down payment assistance available for eligible first time homebuyers, not all applicants will qualify for all sources of down payment. This is not intended as a solicitation if you are currently working with another brokerage. VCCDC is a mortgage broker licensed with the California Dept. of Real Estate #01521885; NMLS #347041