Program Overview

At RCHA, we understand that homeownership can seem out of reach, especially if you face challenges like low income or bad credit. It’s more possible than you may think, and we can help connect you with the right resource to get there. Whether you’re just starting out or already on your way, RHCA works alongside trusted partners to support you in becoming a homeowner.

How We Help You Afford a Home

Family Self-Sufficiency Program (FSS)

If you are already receiving Section 8 Housing Choice Voucher assistance, the Family Self-Sufficiency (FSS) Program is an excellent resource to help you work toward homeownership. By setting financial goals and improving your job skills, you can increase your income and build up savings for a down payment. Plus, any rent you pay above your usual amount is saved into an escrow account, which you can use when it’s time to buy your home.

Our Partner: The HomeOwnership Center

For financial education, credit support, homebuyer education, and lending resources, RCHA proudly partners with The HomeOwnership Center (HOC), a nonprofit organization serving North Central West Virginia. The HomeOwnership Center offers the following programs:

Credit Counseling

Strong credit is the foundation for homeownership. If your credit history feels like a roadblock, we can help you turn it into a stepping stone. The HomeOwnership Center meets you where you are and creates a clear, step-by-step plan to improve your financial health. Their HUD-certified housing advisor provides one-on-one pre-purchase counseling that cuts through the clutter — credit, budgeting, savings — so you’re fully prepared for the homebuying process.

Affordable Mortgage Loans and Down Payment Assistance Loans

When you’re ready to take the next step toward purchasing a home, The HomeOwnership Center offers access to competitive loan options you won’t find at traditional lenders. As a nonprofit, they put your goals first, not their bottom line. Their team works one-on-one to find the best solution for your budget and long-term success.

Homebuyer Education

The HomeOwnership Center’s Homebuyer Education covers everything you need to know about buying a home—from understanding mortgages to working with a real estate agent to navigating the closing process. Homebuyer education gives you the tools to make confident decisions and protect your investment.

Money Management and Budgeting Classes

The HomeOwnership Center’s budgeting classes help you take control of your finances: teaching you how to save for a down payment, budget effectively, and improve your credit score; no matter where you are financially, The HomeOwnership Center will help you build a stronger foundation.

Ready to Get Started?

To learn more about RCHA’s Family Self-Sufficiency program, contact RCHA.

To access credit counseling, homebuyer education, home loans, or budgeting classes, reach out directly to The HomeOwnership Center at 304-636-9115, hocwv.org, or visit the office at 2276 Randolph Ave, Elkins, WV.

Your dream is within reach, and between RCHA and our partners, we’re here to help you get there.