Housing Programs In DC

Changing Neighborhoods

Housing Programs In DC 

Changing Neighborhoods

Lydia's House strengthening families platform is to increase the number of first time home buyers in the DMV through education, counseling, and referral and to decrease the number of households losing their homes to foreclosure. 

  • First Time Homebuyer and HPAP Orientation

  • Group Financial Education Workshops

  • One-on-one Housing Counseling

  • Foreclosure Prevention Counseling

One-on-one Housing Counseling

Participants completing the First Time Homebuyer Workshops are eligible to receive one-on-one housing and financial counseling to achieve their housing and/or financial goals. One-on-one counseling is 1 hour meetings with a Housing Counselor to assist in developing a realistic Action Plan to include a review of Tri-merge Credit Report; developing spending plans, disputing errors on credit report, savings down payment for home purchase, and completing an application for a DHCD funding program (HPAP, EHAP, and/or NEAHP).

First Time Homebuyer and HPAP Orientation

Pre Purchase Orientation – a 2-3 hour overview of HUD homebuyer education and the District of Columbia homebuyer programs. Pre-requisite for one-on-one counseling.

Module 1: Your Credit and Why It Is Important


The single most effective way to prepare consumers for homeownership is to educate them on the importance of using credit wisely. This module introduces credit, basic terminology, and the importance of building a better credit record.




Module 2: Managing Your Money


Learn about the importance of developing a spending plan and developing wise spending habits, in addition to receiving tips on how to save money.




Module 3: Goal Setting


Find out about the importance of setting goals to achieve financial objectives.




Module 4: Banking Services


Get valuable information on the basics of banking and the importance of establishing a relationship with a financial institution to build credit, save money, and achieve goals.




Module 5: Establishing and Maintaining Good Credit


Learn how to establish a credit presence and maintain a good credit history. The module also reviews the contents of a credit report, as well as the primary credit and consumer protection laws.




Module 6: Understanding Credit Scoring


This module describes credit scoring from a borrower's perspective and illustrates how consumer behavior affects credit scores.




Module 7: Thinking Like a Lender


Get information on how lenders and other financial institutions determine creditworthiness and how it relates to credit scores.




Module 8: Avoiding Credit Traps


Get valuable information on how to avoid credit traps, identity theft, and predatory lending practices that can consume personal resources and severely damage credit histories.




Module 9: Restoring Your Credit


This module shows how to deal with credit difficulties and provides tips on how to restore impaired credit.




Module 10: Planning for Your Future


This module outlines the process to achieve goals and attain financial security.




Module 11: Becoming a Homeowner


This module provides practical information on how to prepare to obtain a mortgage and own a home.




Module 12: Protecting Your Home Investment


This newest curriculum module contains a wealth of information on understanding home equity, maintaining and improving your home, preparing for emergencies, and recognizing scams. It also includes a comprehensive section on alternatives to foreclosure.





Group Financial Education Workshops
Foreclosure Prevention Counseling

Mortgage Late? Don’t Wait! We can help!.

Lydia’s House provides a 12 module financial education series that will help you improve your credit, manage your money, and be a responsible homeowner.

Module 1: Your Credit and Why It Is Important


The single most effective way to prepare consumers for homeownership is to educate them on the importance of using credit wisely. This module introduces credit, basic terminology, and the importance of building a better credit record.




Module 2: Managing Your Money


Learn about the importance of developing a spending plan and developing wise spending habits, in addition to receiving tips on how to save money.




Module 3: Goal Setting


Find out about the importance of setting goals to achieve financial objectives.




Module 4: Banking Services


Get valuable information on the basics of banking and the importance of establishing a relationship with a financial institution to build credit, save money, and achieve goals.




Module 5: Establishing and Maintaining Good Credit


Learn how to establish a credit presence and maintain a good credit history. The module also reviews the contents of a credit report, as well as the primary credit and consumer protection laws.




Module 6: Understanding Credit Scoring


This module describes credit scoring from a borrower's perspective and illustrates how consumer behavior affects credit scores.




Module 7: Thinking Like a Lender


Get information on how lenders and other financial institutions determine creditworthiness and how it relates to credit scores.




Module 8: Avoiding Credit Traps


Get valuable information on how to avoid credit traps, identity theft, and predatory lending practices that can consume personal resources and severely damage credit histories.




Module 9: Restoring Your Credit


This module shows how to deal with credit difficulties and provides tips on how to restore impaired credit.




Module 10: Planning for Your Future


This module outlines the process to achieve goals and attain financial security.




Module 11: Becoming a Homeowner


This module provides practical information on how to prepare to obtain a mortgage and own a home.




Module 12: Protecting Your Home Investment


This newest curriculum module contains a wealth of information on understanding home equity, maintaining and improving your home, preparing for emergencies, and recognizing scams. It also includes a comprehensive section on alternatives to foreclosure.





  • Assessment of your mortgage, including payment status and urgency in the delinquency and foreclosure process 

  • General discussion of foreclosure

  • Development of loss mitigation options

  • Development of steps to be taken by you and by our certified counselor

  • Communication with servicer

  • Submission of loss mitigation package to servicer

  • Mediation Assistance and Referral Service

  • Written action plan for avoiding foreclosure

  • Follow up support for homeowner

  • Contact information for available community services

Single Family Residential Rehabilitation Program (SFRRP)

Single Family Residential Rehabilitation (SFRRP) administers loans and/or grants for home repairs to alleviate DC building code violations and assists homeowners in repairing physical threats to health and safety, and modify and/or eliminate barriers to accessibility for persons with mobility or other physical impairments.

Roof Repair Program


This Program is part of the SFRRP and provides a grant for seniors of up to $15,000 to replace and/or repair the roof. This grant pays for exterior roofing and gutter work only.




Handicapped Accessibility Improvement Program (HAIP)


This Program provides a grant of up to $30,000 for accessibility modifications needed to adjust most physical barriers within a home for persons with mobility or other physical impairments.




Rehabilitation Loans


This program offers low to zero interest loans to address building deficiencies. These loans are amortized for 20 years and are often deferred until the home is sold or refinanced.




Lead-based Paint Hazards


This program provides grants to eligible properties to address lead-based paint hazards.




Additional Benefit for Seniors


Households where the head of household is 62 years or older may have the first $10,000 of their loan, provided as a permanently deferred loan. Deferral of additional amounts will be considered on a case-by-case basis. Note: Loans and Grants under these Programs may be combined but cannot exceedthe overall program maximum of $75,000. All Programs are subject to homeowner eligibility which is based upon the homeowner’s income.





Get In Touch

Hours: Mon-Fri 09:00 - 5:00 pm

Email: info@lhndc.org

Phone: 202-373-1050

Lydia's House Headquarters: 

4101 Martin Luther King Jr Ave SW

Washington, DC 20032

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