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Family Life Center is a comprehensive housing counseling agency serving Cache, Box Elder, Rich counties, and rural areas of Utah. They continue to work potential home buyers through workshops and one-on-one counseling. The philosophy of the Family Life Center is educational. Clients are taught the skills and strategies useful in housing decisions and financial management. Housing counseling includes pre-occupancy, pre-purchase, pre-rental, rent delinquency, mortgage default, home improvement and rehabilitation, and home equity conversion mortgage counseling. In a special three-way partnership among the Family Life Center, HUD and AARP, home equity conversion mortgage counseling is also available in rural areas of Utah. They also partner with a variety of other agencies including the Bear River Association of Governments, the Neighborhood Nonprofit Housing Corporation, the local Habitat for Humanity, Options for Independence, Communities Against Physical and Sexual Abuse to mention a few.


Skyline CAP, Inc. Madison, VA $8,362 A HUD-certified housing counseling agency since 1994, Skyline CAP, Inc. serves Greene, Madison, and Orange Counties in central Virginia. It consults and works in close cooperation with numerous social services agencies, and offers comprehensive housing counseling including: pre-occupancy counseling, post-occupancy counseling, mortgage-default counseling, rental delinquency counseling, home improvement and rehabilitation counseling, HECM counseling, and fair housing counseling. Skyline CAP pro-actively works to reduce concentrations of poverty and the segregation of minority populations by engaging in affirmative marketing to attract all segments of population regardless of race, color, religion, national origin, sex, familial status, disability and age.

Lynchburg Community Action Group, Inc. Lynchburg, VA $16,649 The mission of the Lynchburg Community Action Group provides a range of services to address problems associated with poverty by fostering self-sufficiency among low-income residents. Lynchburg Community Action Group has provided housing services to low- income residents of central Virginia since 1973. Its programs are numerous and varied, serving all segments of society.

Office of Human Affairs, Inc. Newport News, VA $11,470 Since 1965, the Office of Human Affairs, Inc., has taken the initiative in planning, developing, and implementing programs, such as housing counseling, that foster self- sufficiency. The Housing Counseling Program includes performance measures that target underserved neighborhoods such as Hampton Roads and Newport News, which have high concentrations of minority families and low-income residents, and a higher percentage of


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