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Holiday Money Management – How to Celebrate Within Budget

Though the holiday season is long, budgets aren’t always equipped to keep pace. This makes it easy to overspend. The combination of gifts to shop for and convenient seasonal sales encourages consumers to spend money they normally might not have. When you want to stick to a budget and manage money wisely during the holidays, […]

New Tenant Ordinances To Help Low-Income Residents

This was a great day at Richmond City Council. RNHS participated in a listening session to address source of income discrimination and multi-credit report fee; a huge hurdle for community members trying to secure rental housing. Richmond City Council voted unanimously to review our recommendations and tasked city staff to see how the recommendations could […]

How Lending Laws are Changing

Why CRA is important to prospective homeowners When purchasing a home most of us will have to borrow from a lender. Whether it be a bank, credit union or private lender a mortgage is probably going to be in the cards. If you’re a first time homebuyer that is unable to secure the typical 0-3% […]

AMI: What Does it Mean for Homebuyers?

If you have any interest in owning a home or if you’ve been looking into real-estate, you’ve probably seen ‘AMI’ referred to often. AMI is an abbreviation for ‘area median income,’ this is a statistic by the U.S. Department of Housing and Urban Development (HUD) for purposes of determining the eligibility of applicants for certain federal […]

The Real Cost of Student Loan Debt

  Years ago going to college meant an increase in earnings potential; which translated to your ability to own a home. A place to call your own, a lawn to mow, a place to invite guests, spend holidays and relax is the dream of most. While getting an education is still important, one must also […]

National Homeownership Month

We couldn’t let homeownership month go by without celebrating the opportunity of owning your own Homeownership is a dream for many people, which is why we celebrate National Homeownership Month every June. This year, Richmond Neighborhood Housing Services wants to celebrate and give back by sharing some tips for homebuyers! Whether it’s your first time […]

All the Single Ladies: Need Home Buying Assistance?

Single women and mothers often face a unique set of challenges, especially when it comes to buying a new home. With only one income on which to support a family, finding approval for a home mortgage can be trying. Many assistance programs are available to help overcome challenges such as a modest income, short or […]

April is Fair Housing Month

Fair Housing Month serves as a reminder and a celebration of the Fair Housing Act, which makes it illegal to discriminate in housing based on race, color, sex, national origin, religion, familial status, or disability. The legislation was signed into law by President Lyndon Johnson on April 11, 1968. Each April, we come together as […]

Women Taking the Financial Driver’s Seat

Beyoncé has said that she truly believes that women should be financially independent from their men. Beyoncé  must have her finger on the pulse of gender financial decision making, because it looks like women are starting to take big steps in that area. We all know men and women have the inclination to think differently about lots […]

How Lending to the Poor Is Changing in the Trump Administration

Change is an inevitable part of life. That’s a saying that we’ve all come across many times in our lives, and it can be applied to events both monumental and insignificant. It goes without saying that we, as Americans, see change with every election cycle. Sometimes, the changes our elected officials enforce don’t seem to […]

Richmond Neighborhood Housing Services, Inc. 510-237-6459 [email protected]