We work with low-income families to help them realize their dreams of homeownership. Families who qualify for our program are not given homes. Instead, we work with multiple organizations at the local, state, and federal level, as well as in the private sector to help these families break down barriers and gain the financial stability they need in order to own and maintain a home.

Families in our program participate in Housing Counseling, which is completed 1-on-1 with our Housing Counselor, who advises the family on buying a home, budgeting, protecting their credit, preventing foreclosure, and other issues. As the family prepares to buy an HDA house, our Housing Counselor helps them decide what mortgage options are best for them. This service is provided for free and is part of our Homeownership Program.

Many, if not most, of the existing homes in our area were built before 1989. These aging homes often need extensive repairs and upgrades. That’s why we offer affordable home repairs and home rehabilitations to qualifying low-income homeowners; if we can improve and preserve their existing home, it’s much better financially for them.

Ultimately, we believe that the way to a better future in East Kentucky is right through the front door of a high quality, long-lasting, affordable home. Learn more about the many services we offer and all of the work we do!