Housing Services

Pathways to Housing Program

“ Just because my path is different doesn’t mean I’m lost.” -Anonymous


The Pathways to housing program takes a holistic and individualized approach toward empowering low wealth families to achieve economic stability and self-sufficiency through three main avenues of support – financial empowerment, increased earnings and connection to affordable housing. The program will serve local families who have been trapped in a cycle of poverty and struggle with debt, credit issues and low wages, but who demonstrate the drive and potential to become self-sufficient.

The Pathways program will provide families with intensive, one-on-one financial coaching; homebuyer education classes; and a monthly meeting with other families going through the Pathways program. The program will also provide job training and placement supports through a partnership with the Charlottesville Works Initiative, a local workforce development program through PVCC. 

The goal is to move families toward financial stability.  Our hope is that graduates of the Pathways to Housing program can purchase a home through Habitat or improve their housing situation through another option that fits their needs.

Pathways Neighbors are in the program for three years or until they meet their individual graduation goals. Pathways Neighbors that meet their goals and graduate from the program will have the option of purchasing a home through the Habitat Homeownership Program.

Becoming a Pathways to Housing Neighbor

As active partners in the journey to financial stability, eligible Habitat Pathways Neighbors are:

          1. In need of better housing and financial coaching

Potential Pathways Neighbors might be dealing with low credit scores; debts in collections and/or judgments; difficulty finding employment; unaffordable rent; or aren’t sure how to get the financial help they need. 

          2. Willing to partner with Habitat

Pathways Neighbors must be willing to meet with their coach at least once a month to discuss progress towards financial freedom. Neighbors will set goals and discuss how to meet goals.  

Pathways Neighbors must also attend monthly group meetings with other Neighbors in the program. Meetings cover a variety of topics including budgeting, credit reports, repaying debt, collections and judgments, housing options, and loan programs.

Want to take the next step?

Are you interested in applying to our Habitat Homeownership Program or Pathways to Housing program? We are currently hosting Applicant Information Meetings (AIMs).  During AIMs we will go over the application process, the Habitat Homeownership program and the Pathways to Housing program. You may watch the AIM video by clicking here. You must submit this quiz after the video in order for us to process your application. If you would prefer an in-person meeting, please sign up for an AIM online.

Would you like to look over the application?  You can find the application for our 2020 application process here.  If you need help filing it our or have questions, please contact the Homeownership Team at familyservices@cvillehabitat.org or 434-293-9066.  PLEASE REMEMBER: we will accept applications between January 2, 2020 to January 24, 2020 (the deadline has been extended).  You MUST attend an AIM before we can process your application.  

If you are not sure that you would like to apply but would like to receive information about upcoming events and updates about the application process, please fill out the Homeowner Interest Form by clicking here.