VCCDC Community Matters update for July 25 — From Renter to Homeowner

We’re excited to celebrate another happy homebuyer this month – Maria! Maria and her family of 4 had been renting for 10 years until she found VCCDC. Three years ago, Maria decided to start working toward her dream of homeownership with VCCDC. Over that time, with the help of Homeownership Specialist, Gabriela, she was able to increase her credit score by 95 points, increase her savings substantially and decrease her debt by over $67,000. She finally moved into her home last month after all the hard work.

“The continuous calls, advice and support, helped me move forward.” – Maria

Congratulations, Maria and family!

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.

Gabriela Muñoz, Homeownership Specialist

We are excited to highlight Gaby as our Staff of the Month! Gaby is one of our Homeownership Specialists and has assisted hundreds of clients as they prepare to purchase their homes through our Coaching for Homeownership program. She also got married this month – congratulations Gaby!

To give you a chance to get to know her a little, we asked him a few questions…

Q: What’s one of your favorite parts about working at VCCDC?

A: I love seeing the sparkle in my clients eyes when I tell them that their hard work with their credit, budget and savings has prepared them to meet with a loan officer to get pre-approved for the new home purchase. No matter if it was our initial appointment or after a year or two of working together, seeing their face of excitement is amazing. It is taken another step further once they call me and share the amazing news that they are finally homeowners. The one family that will always stay with me is Mrs. Juana Montelongo. I actually wrote a piece about her journey which you can read here.

Q: How do you see VCCDC’s mission come to life?

A: I see our mission in every client that comes to see me. Every client I meet with wants to be given the knowledge and information they need to be successful with their financial goals. Whether it is a glance at their budget expenses to find additional savings, a major overhaul with their credit or coming into any one of our classes, I see that every client tries to empower themselves with tools they can use not only for themselves, but that they can pass onto family and friends.

Q: What do you like to do in your free time?

A: Family is very important to me. I recently married and I try to take advantage of every moment with my husband. We try to stay active and healthy on a daily basis and frequently go on gym dates. My 8 nieces and nephews are always keeping me busy with babysitting duties, movies and frozen yogurt dates. My four siblings and I get together often at my parents’ home for carne asada and catch up. I try to simply disconnect and enjoy every moment outside of work.

Thank you for going above and beyond, Gaby!

Thinking about refinancing your home? We can help!

Whether it’s a lower payment, quicker payoff or a much needed home improvement, VCCDC will help you find the right mortgage solution. Our Mortgage Loan Specialists will help you understand whether refinancing makes sense for you and will let you know exactly what to expect from the application process.

Call us today at (805) 273-7800 for more information!

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. Here’s what you’ll learn:

You can get all this FREE using promo code: VCCDC

Upcoming Workshops

Saturday, August 3rd @ Westview Village Community Room (see flyer below)

Saturday, August 17 @ VCCDC Homeownership Center

Saturday, September 21 @ VCCDC Homeownership Center

Your home is one of your biggest investments! Learn how to keep it in tip top shape with special guest Chris Grasso, Construction Manager at Habitat for Humanity of Ventura County.

Join us on Wednesday, July 31st at 6pm at our VCCDC Office in Oxnard.

VCCDC has partnered with the Housing Authority of the City of Ventura to provide our HUD-approved Homebuyer Education Workshop at the Westview Village Community Room in Ventura on Saturday, August 3, 2019.

Distaster Preparedness Workshop

Tuesday, August 27th, 2019

When a disaster strikes will you and your family be prepared?

Join us to learn how you can prepare your family and your home before a disaster strikes.

Down Payment Assistance INCREASES!

VCCDC is now able to provide up to $22,000 with the WISH grant (previously up to $15,000)! Bringing the total assistance provided by VCCDC up to $42,000 (when combined with CalHome Loan).

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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”.

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