Showing posts with label KHC's Homeownership Counseling. Show all posts
Showing posts with label KHC's Homeownership Counseling. Show all posts

KHC or Kentucky Housing for Down Payment Assistance for Ky First Time Home Buyers


http://www.kyhousing.org/page.aspx?id=297
Down Payment Assistance for Ky First Time Home Buyers




Kentucky Down payment assistance loans are available up to $6,000 for Mortgage




KHC is used for mostly applicants in Kentucky that don't have access to money for a down payment on their home. 

Down payment assistance loans are available up to $6,000, and are paid back over a period of ten years. They are typically offered to buyers with limited cash reserves and carry an interest rate of 1 to 5.5% based on applicants gross income.


These loans can make a critical difference to buyers for whom the down payment is an obstacle. Buyers whose 3.5% down payment is less than the $6000 limit may choose to use the remainder of a down payment loan to pay closing costs, further reducing the amount needed to bring to closing.

KHC recognizes that down payments, closing costs, and prep​aids are stumbling blocks for many potential home buyers. Here are several loan programs to help. Your KHC-approved lender can help you apply for the program that meets your need.

Regular DAP

  • Purchase price up to $346,644 with Secondary Market.
  • Assistance in the form of a loan up to $6,000 in $100 increments.
  • Repayable over a ten-year term at 5.50 percent.
  • Available to all KHC first-mortgage loan recipients.

Affordable DAP

  • Purchase price up to $346,644​ with Secondary Market.
  • Assistance up to $6,000.
  • Repayable over a ten-year term at 1.00 percent.
  • Borrowers must meet Affordable D​AP income limits.

​MORE ABOUT DOWN PAYMENT AND CLOSING COSTS

  • No liquid asset review and no limit on borrower reserves.
  • Specific credit underwriting standards may apply to down payment programs
  • KHC ELIGIBILITY AND CREDIT STANDARDS OVERVIEW
  • (Not intended to be an all-inclusive list.)
  • Home Buyer Eligibility
  • • KHC can help both first time and repeat home buyers statewide.
  • • Must be a U.S. citizen or legal status to be in U.S.
  • • Applicant’s income ONLY through Secondary Market.
  • • Property must be the borrower’s principal residence.
  • • Any Borrower that meets both the income and purchase price limit can have access to Down Payment Assistance.
  • Kentucky Housing Credit Standards
  • • 620 minimum credit score required for FHA, VA, & RHS.
  • • 660 minimum credit score required for Conventional.
  • • Debt ratios: 40/50%
  • • Collections in most cases do not need to be paid-off in full.
  • • Bankruptcies and foreclosures must be discharged two to seven years.
  • • Non-taxable income can be grossed-up.
  • Property Eligibility
  • • Both new and existing property.
  • • Both new & existing Manufactured Housing.
  • • With RHS only new construction Manufactured housing is allowed.
  • • Purchase price limit of $346,644 for Secondary Market or $311,997 for Tax Credit.
  • • Full appraisal required on all KHC loans.
  • • With Existing Property, VA is the only loan product that requires a termite inspection.
  • • A termite soil treatment certificate is required on ALL new construction properties except on conventional loans.

HUD Approved Housing Counseling Agencies for Kentucky Home Buyers



HUD Approved Housing Counseling Agencies for Kentucky Home buyers


Agencies located in KENTUCKY
Agency NamePhone, Toll-Free,
Fax Number,
Email, Website
AddressCounseling ServicesLanguagesParent Organization
KENTUCKY COMMUNITIES ECONOMIC OPPORTUNITY COUNCIL, INC. (KCEOC)Phone: 606-546-3152
Fax: 606-546-5057
E-mail: dcornelius@kceoc.com 
5448 N. U.S. 25E, Ste.A
PO Box 490
Barbourville, Kentucky 40906
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- EnglishKENTUCKY HOUSING CORPORATION
BOWLING GREEN HUMAN RIGHTS COMMISSIONPhone: 270-782-7900
Fax: 270-782-6997
E-mail: bghrc1@aol.com
Website:www.bgky.org/humanrights.htm
491 Double Springs Road
BOWLING GREEN, Kentucky 42101-5185
- Fair Housing Pre-Purchase Education Workshops
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Predatory Lending Education Workshops
- Services for Homeless Counseling
- English
- Spanish
CCCS OF THE MIDWESTPhone: 800-355-2227
Toll-free: 800-355-2227
Fax: 614-552-4800
E-mail: info@apprisen.com
Website: www.apprisen.com
1725 Ashley Circle, Ste 107
BOWLING GREEN, Kentucky 42104-5811
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- EnglishCCCS OF THE MIDWEST/APPRISEN
HOUSING ASSISTANCE AND DEVELOPMENT SERVICES, INC.Phone: 270-796-4176
Fax: 270-796-8203
E-mail: hands@handsinc.net
Website: www.handsinc.net
1133 Adams Street
BOWLING GREEN, Kentucky 42101-2603
- Fair Housing Pre-Purchase Education Workshops
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Rental Housing Counseling
- Services for Homeless Counseling
- English
KENTUCKY LEGAL AIDPhone: 270-782-1924
E-mail: N/A
Website: www.klaid.org
1700 Destiny Ln
BOWLING GREEN, Kentucky 42104-1063
- Mortgage Delinquency and Default Resolution Counseling
- Pre-purchase Counseling
- Rental Housing Counseling
- Services for Homeless Counseling
- English
- Spanish
WEST TENNESSEE LEGAL SERVICES, INCORPORATED
LIVE THE DREAM DEVELOPMENT, INCPhone: 270-843-6071-7124
Fax: 270-781-7091
E-mail: eholley@habg.org 
247 Double Springs Road
BOWLING GREEN, Kentucky 42101-5160
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
- English
CAMPBELLSVILLE HOUSING AND REDEVELOPMENT AUTHORITYPhone: 270-465-3576-236
Fax: 270-465-2444
E-mail: jhall@campbellsvillehousing.com
Website: www.cvillehousingonline.com
400 Ingram Ave
PO Box 597
CAMPBELLSVILLE, Kentucky 42718-1627
- Financial Management/Budget Counseling
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Rental Housing Counseling
- English
CATHOLIC CHARITIES, DIOCESE OF COVINGTONPhone: 859-581-8974
Fax: 859-581-9595
E-mail: info@covingtoncharities.org
Website: www.covingtoncharities.org
3629 Church St
COVINGTON, Kentucky 41015-1430
- Fair Housing Pre-Purchase Education Workshops
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
- Rental Housing Counseling
- Services for Homeless Counseling
- English
- Spanish
CATHOLIC CHARITIES USA
LEGAL AID OF THE BLUEGRASSPhone: 859-957-0189
Toll-free: 800-274-5863
Fax: 606-783-1342
E-mail: bcombs@lablaw.org
Website: www.lablaw.org
104 East 7th Street
COVINGTON, Kentucky 41011-2502
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
- Rental Housing Counseling
- Services for Homeless Counseling
- English
- Spanish
WEST TENNESSEE LEGAL SERVICES, INCORPORATED
CCCS OF THE MIDWESTPhone: 800-355-2227
Toll-free: 800-355-2227
Fax: 614-552-4800
E-mail: info@apprisen.com
Website: www.apprisen.com/home.asp
950 North Mulberry
Suite 220F
ELIZABETHTOWN, Kentucky 42701-3612
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- EnglishCCCS OF THE MIDWEST/APPRISEN
CCCS OF THE MIDWESTPhone: 800-355-2227
Toll-free: 800-355-2227
Fax: 614-552-4800
E-mail: info@apprisen.com
Website: www.apprisen.com/home.asp
11 Shelby Street
FLORENCE, Kentucky 41042-1612
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- EnglishCCCS OF THE MIDWEST/APPRISEN
CCCS OF THE MIDWESTPhone: 800-355-2227
Toll-free: 800-355-2227
Fax: 614-552-4800
E-mail: info@apprisen.com
Website: www.apprisen.com
649 Charity Court
#15
FRANKFORT, Kentucky 40601-4223
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- EnglishCCCS OF THE MIDWEST/APPRISEN
KENTUCKY DOMESTIC VIOLENCE ASSOCIATIONPhone: 502-209-5382-502
Toll-free: 502-209-5382
Fax: 502-226-5382
E-mail: modoherty@kdva.org
Website: kdva.org
111 Darby Shire Circle
FRANKFORT, Kentucky 40601-2741
- Pre-purchase Homebuyer Education Workshops- EnglishKENTUCKY HOUSING CORPORATION
KENTUCKY HOUSING CORPORATIONPhone: 502-564-7630-775
Toll-free: 800-633-8896
Fax: 502-564-5657
E-mail: shillard@kyhousing.org
Website: www.kyhousing.org
1231 Louisville Rd.
FRANKFORT, Kentucky 40601-6156
- Fair Housing Pre-Purchase Education Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
- English
- Spanish
KCEOC COMMUNITY ACTION PARTNERSHIP, INC.Phone: 606-546-3152-300
Fax: 606-546-5057
E-mail: jsmith@kceoc.com
Website: www.povertyisreal.com
5448 N US 25 E, Suite A
GRAY, Kentucky 40734-6582
- Fair Housing Pre-Purchase Education Workshops
- Financial Management/Budget Counseling
- Financial, Budgeting and Credit Repair Workshops
- Home Improvement and Rehabilitation Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
- Rental Housing Counseling
- Rental Housing Workshops
- Resolving/Preventing Mortgage Delinquency Workshops
- Services for Homeless Counseling
- English
LESLIE, KNOTT, LETCHER, PERRY COMMUNITY ACTION CENTERPhone: 606-436-3161-180
Toll-free: 800-401-4287
Fax: 606-439-1157
E-mail: a.thompson@lklp.net
Website: www.lklp.org
98 Roy Campbell
HAZARD, Kentucky 41701-9444
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- EnglishKENTUCKY HOUSING CORPORATION
BARRET CENTER, INCPhone: 270-827-1486-114
Fax: 270-826-8673
E-mail: susangay@hahenderson.net 
111 S Adams Street
HENDERSON, Kentucky 42420-3611
- Pre-purchase Homebuyer Education Workshops- EnglishKENTUCKY HOUSING CORPORATION
KENTUCKY LEGAL AID, INCORPORATEDPhone: 270-782-5740
Toll-free: 866-452-9243
Fax: 270-782-5740
E-mail: scrocker@klaid.org
Website: www.klaid.org
1411 South Main Street
HOPKINSVILLE, Kentucky 42240-2017
- Mortgage Delinquency and Default Resolution Counseling
- Pre-purchase Counseling
- Rental Housing Counseling
- EnglishKENTUCKY LEGAL AID
CCCS OF THE MIDWESTPhone: 800-355-2227
Toll-free: 800-355-2227
Fax: 614-552-4800
E-mail: info@apprisen.com
Website: www.apprisen.com/home.asp
2265 Harrodsburg Road
Stuite. 303
LEXINGTON, Kentucky 40504-3500
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- EnglishCCCS OF THE MIDWEST/APPRISEN
COMMUNITY VENTURES CORPORATIONPhone: 859-231-0054
E-mail: dmajor@cvcky.org
Website: www.asite.com
1450 N Broadway
Lexington, Kentucky 40505-3162
- Fair Housing Pre-Purchase Education Workshops
- Financial Management/Budget Counseling
- Home Improvement and Rehabilitation Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
- Rental Housing Counseling
- Arabic
- Cambodian
- English
NEIGHBORHOOD REINVESTMENT CORPORATION
REACH, INC.Phone: 859-455-8057
Fax: 859-455-7436
E-mail: kjones@reachky.com
Website: www.reachky.com
733 Red Mile Rd
Lexington, Kentucky 40504+1153
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- English
- Spanish
ROAD TO HOMEOWNERSHIP, INC.Phone: 502-647-3027
Fax: 502-647-3099
E-mail:ybradford@theroadleadinghome.org 
121 Prosterous Place Ste A
LEXINGTON, Kentucky 40509-1800
- Fair Housing Pre-Purchase Education Workshops
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
- Rental Housing Counseling
- Services for Homeless Counseling
- English
CCCS OF THE MIDWESTPhone: 800-355-2227
Toll-free: 800-355-2227
Fax: 614-552-4800
E-mail: info@apprisen.com
Website: www.apprisen.com
2100 Gardiner Lane Ste 103A
LOUISVILLE, Kentucky 40205-2900
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- EnglishCCCS OF THE MIDWEST/APPRISEN
CCCS OF THE MIDWESTPhone: 800-355-2227
Toll-free: 800-355-2227
Fax: 614-552-4800
E-mail: info@apprisen.com
Website: www.apprisen.com
11492 Bluegrass Parkway
Suite 110
LOUISVILLE, Kentucky 40299-2334
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- EnglishCCCS OF THE MIDWEST/APPRISEN
HOUSING FOUNDATIONPhone: 270-965-2233
Toll-free: 866-965-2239
Fax: 775-213-7867
E-mail: myhomeky@bellsouth.net
Website: www.myhomeky.org
330 North Hubbards Lane Office #4
LOUISVILLE, Kentucky 40207-2396
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- EnglishKENTUCKY HOUSING CORPORATION
LEGAL AID SOCIETY, INC.Phone: 502-584-1254
Fax: 502-584-8014
E-mail: spope@laslou.org 
416 West Muhammad Ali Blvd., Suite 300
LOUISVILLE, Kentucky 40202-3376
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Predatory Lending Education Workshops
- Rental Housing Counseling
- Services for Homeless Counseling
- English
- French
- Hindi
- Other
- Spanish
WEST TENNESSEE LEGAL SERVICES, INCORPORATED
LOUISVILLE CENTRAL COMMUNITY CENTERPhone: 502-583-8821
Fax: 502-583-8824
E-mail: rclay@lcccnews.org 
1300 W. Muhammad Ali Blvd
LOUISVILLE, Kentucky 40203-1744
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- EnglishKENTUCKY HOUSING CORPORATION
LOUISVILLE URBAN LEAGUEPhone: 502-566-3362
Fax: 502-568-4663
E-mail: cmccravy@lul.org
Website: www.lul.org
1535 West Broadway
LOUISVILLE, Kentucky 40203-3515
- Fair Housing Pre-Purchase Education Workshops
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
- Rental Housing Counseling
- Services for Homeless Counseling
- EnglishNATIONAL URBAN LEAGUE
NID-HCA SICKLESPhone: 502-810-9200
Fax: 502-966-6040
E-mail: nidhca.sickles@gmail.com
Website: www.nidonline.org & www.makingyourhomeaffordable.org
3215 Fern Valley Road, Suite #106
LOUISVILLE, Kentucky 40213-3563
- Fair Housing Pre-Purchase Education Workshops
- Financial Management/Budget Counseling
- Home Improvement and Rehabilitation Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
- Rental Housing Counseling
- Services for Homeless Counseling
- English
- Spanish
NATIONAL ASSOCIATION OF REAL ESTATE BROKERS-INVESTMENT DIVISION, INC
THE HOUSING PARTNERSHIP, INCPhone: 502-585-5451
E-mail: lwood@wearehpi.org
Website: www.asite.com
321 Guthrie Grn
LOUISVILLE, Kentucky 40202-1813
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
- Rental Housing Counseling
- English
- Spanish
HOUSING PARTNERSHIP NETWORK
KENTUCKY LEGAL AID, INCORPORATEDPhone: 270-782-5740
Toll-free: 800-782-1924
Fax: 270-825-0689
E-mail: scrocker@klaid.org
Website: www.klaid.org
100 South Railroad Street, # 120
MADISONVILLE, Kentucky 42431-2467
- Mortgage Delinquency and Default Resolution Counseling
- Pre-purchase Counseling
- Rental Housing Counseling
- EnglishKENTUCKY LEGAL AID
DANIEL BOONE DEVELOPMENT COUNCILPhone: 606-598-5127
Fax: 606-599-9712
E-mail:marthanna.dobson@danielboonecaa.org
Website: none
1535 Shamrock Road
MANCHESTER, Kentucky 40962-9201
- Pre-purchase Counseling- EnglishKENTUCKY HOUSING CORPORATION
PURCHASE AREA HOUSING CORPORATIONPhone: 270-247-7171
Fax: 270-251-6110
E-mail:David.Hargrove@purchaseadd.org
Website: www.purchaseadd.org
1002 Medical Dr
MAYFIELD, Kentucky 42066-1184
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Rental Housing Counseling
- Services for Homeless Counseling
- English
BRIGHTON CENTER, INCORPORATEDPhone: 859-491-8303
E-mail: brighton@brightoncenter.com
Website: brightoncenter.com
799 Ann ST
NEWPORT, Kentucky 41071-1218
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Rental Housing Counseling
- English
KENTUCKY LEGAL AID, INCORPORATEDPhone: 270-782-5740
Toll-free: 866-452-9243
Fax: 270-683-3513
E-mail: jmorre@klaid.org
Website: www.klaid.org
117 West 2nd Street
OWENSBORO, Kentucky 42303-4112
- Mortgage Delinquency and Default Resolution Counseling
- Pre-purchase Counseling
- Rental Housing Counseling
- English
- Spanish
KENTUCKY LEGAL AID
CLEARPOINT FINANCIAL SOLUTIONS, INC.Phone: 877-877-1995
Toll-free: 877-877-1995
E-mail:customer.service@clearpointccs.org
Website: www.clearpointccs.org
118 Bleich Rd
C-Plant Credit Union Building
-
-
PADUCAH, Kentucky 42003-8703
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Pre-purchase Counseling
- ASL
- English
- Spanish
CLEARPOINT FINANCIAL SOLUTIONS, INC.
KENTUCKY LEGAL AID, INCORPORATEDPhone: 270-782-5740
Toll-free: 866-452-9243
Fax: 270-782-5740
E-mail: jmorre@klaid.org
Website: www.klaid.org
1122 Jefferson Street
PADUCAH, Kentucky 42001-1836
- Mortgage Delinquency and Default Resolution Counseling
- Pre-purchase Counseling
- Rental Housing Counseling
- EnglishKENTUCKY LEGAL AID
CCCS OF THE MIDWESTPhone: 800-355-2227
Toll-free: 800-355-2227
Fax: 614-552-4800
E-mail: info@cccservices.com
Website:www.cccservices.com/home.asp
317 Main Street
PIKEVILLE, Kentucky 41501-1135
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- EnglishCCCS OF THE MIDWEST/APPRISEN
BELL-WHITLEY COMMUNITY ACTION AGENCY, INC.Phone: 606-337-3044
Fax: 606-337-1439
E-mail: normancornelius@bell-whitley.org
Website: bell-whitley.org
129 Pine St.
PO Box 159
PINEVILLE, Kentucky 40977-1625
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- EnglishKENTUCKY HOUSING CORPORATION
APPALACHIAN RESEARCH AND DEFENSE FUND OF KENTUCKYPhone: 606-886-3876
Toll-free: 800-556-3876
Fax: 606-886-3704
E-mail: dianef@setel.com
Website: www.ardfky.org
120 North Front Avenue
PRESTONSBURG, Kentucky 41653-7832
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
- Rental Housing Counseling
- Services for Homeless Counseling
- English
- Spanish
WEST TENNESSEE LEGAL SERVICES, INCORPORATED
CCCS OF THE MIDWESTPhone: 800-355-2227
Toll-free: 800-355-2227
Fax: 614-552-4800
E-mail: info@cccservices.com
Website: www.cccservices.com
200 E Main St 2nd Floor
RICHMOND, Kentucky 40475-1628
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- EnglishCCCS OF THE MIDWEST/APPRISEN
HAZEL JOYCE WILEY CAREER AND FINANCIAL LITERACY INSTITUTE, INCPhone: 502-647-3072
Fax: 502-647-3099
E-mail: hjwfinancial@bellsouth.net
Website: www.hjwfinancial.org
330 Main Street
SHELBYVILLE, Kentucky 40065-1026
- Fair Housing Pre-Purchase Education Workshops
- Financial Management/Budget Counseling
- Home Improvement and Rehabilitation Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
- Rental Housing Counseling
- Services for Homeless Counseling
- English
- Spanish
POTENTIALS INCPhone: 606-416-5711
E-mail:potentials.scarlette@newwavecomm.net 
105 Burdine Street
SOMERSET, Kentucky 42501-2311
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Rental Housing Counseling
- EnglishKENTUCKY HOUSING CORPORATION
PEOPLE'S SELF-HELP HOUSING, INC.Phone: 606-796-6333
Fax: 606-796-2606
E-mail: brendapshh@alltel.net 
307 KY 59
VANCEBURG, Kentucky 41179-7648
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- EnglishKENTUCKY HOUSING CORPORATION
GATEWAY COMMUNITY SERVICE ORGANIZATION, INCPhone: 606-743-3133
Fax: 606-743-1130
E-mail: debbie.vannorman@gcscap.org 
124 College Street
PO Box 367
WEST LIBERTY, Kentucky 41472-1115
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- EnglishKENTUCKY HOUSING CORPORA


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