Housing Opportunities Collaborative (HOC) is a 501(c)(3) tax exempt HUD approved counseling intermediary, established in 2005 by a coalition of HUD approved housing counseling and fair housing agencies, other housing related nonprofit organizations, business organizations, and government agencies that support all aspects of housing rights and responsibilities. It was created to serve as an information clearinghouse by consolidating housing and related information, making it easily accessible to the public and partners. HOC also acts as a neutral convener for its partners by conducting outreach events to educate and provide housing counseling and related services to the public. To improve the delivery of services to the community, HOC developed the Virtual Counselor Network (VCN) which is a life navigator tool that uses technology to connect individuals and families to trusted experts who can provide guidance and answers to the services they need. VCN is also helping organizations evolve to sustain their relevancy, broaden reach, attract more resources and create measurable deeper impact, through simple systems changes and collaboration.