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Skyline CAP, Inc. is a HUD-approved housing counseling agency. Counselors are available to assist with all aspects of buying a home and owning a home. Housing counseling is provided without regard to income, race, religion, or national origin. The Comprehensive Housing Counseling Program at Skyline CAP provides the following services:
FREE private consultation between the housing counselor and the client.
FREE assessment of client’s situation to determine individual need. This includes a review of the client’s budget and credit history.
FREE information and advice about various programs available to help client acquire and maintain housing that is affordable for the individual client.
Areas of Counseling include:
First-TIme Home-Buyers Program offers budgeting and home buyer education information to clients wishing to purchase a home. During this educational process, budgeting skills are taught, as well as investigation into and cleaning up of credit history. Additionally, sections on legal aspects of home purchasing and homeownership, insurance issues, Fair Housing issues, predatory lending, home maintenance, and mortgage shopping skills are learned.
Resolving or Preventing Mortgage Delinquency or Default (Foreclosure Prevention) includes one-on-one and group counseling in the following areas: restructuring debt, establishing reinstatement plans, seeking loan forbearance and managing household finances. This area of focus assists clients that are affected by predatory lending, foreclosure prevention and education, and pursuing loss mitigation strategies. For clients facing foreclosure, one-on-counseling will include direct negotiation with the lender with the goal of preventing the foreclosure.
Securing or Maintaining Residence in Rental Housing includes one-one-one counseling in the following areas: helping clients understand rental assistance programs, budgeting for rent payments, education on client’s and landlord’s rental rights, and the eviction process. Housing counselors do not find housing for clients, but are able to provide information and guidance about how to search for and select a rental home.
Shelter or Services for the Homeless includes one-on-one counseling to determine a client’s specific needs, both immediate and long-term. Referrals will be made to Albemarle Housing Improvement Program (AHIP) in Albemarle County or Culpeper Community Development Corporation in Culpeper County to provide short-term financial support in the form of deposits and/or rent payments (up to three months) for families moving into a home or behind in their rent payments. Eligible participants are homeless families or families about to be evicted.
. To access any housing counseling services, contact a housing counselor in your county.
 Madison County: Sara Hall 540-948-2237 x230
Orange County: Ruth Bramlett 540-672-7490
Greene County: Jack Naylor or Gail Weakley 434-985-6066
If you live outside these counties, click here to locate a housing counselor in your area.
You can also find more information about these programs from the following brochures:
Housing Counseling
How to Avoid Predatory Lending
Foreclosure Prevention
Fair Housing Laws
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