KY HUD Approved Housing Counseling Agencies FHA Back to Work KY Extenuating Circumstance Program

Kentucky HUD Approved Housing Counseling Agencies
FHA launched the FHA Back to Work - Extenuating Circumstances program, also known as the FHA's "second chance

 





Kentucky FHA HUD Back to Work Program for FHA Borrowers in Kentucky

Kentucky FHA HUD Back to Work Program for FHA Borrowers in Kentucky 




What is Back to Work?

FHA icontinuing its commitment to fully evaluate borrowers who have experienced periods of financial difficulty due to extenuating circumstances.

Many borrowers experienced periods of recession related financial difficulty and/or credit impairment resulting from unemployment or severe reduction in income. FHA recognizes thhardships faced by these borrowers, and that their credit histories may not fully reflect their true ability or propensity to repay a mortgage.

For Purchase transactions with case numbers assigned on or after August 15, 2013 



Are borrowers with a foreclosure, short sale, or bankruptcy eligible for Back to Work?

The alternative guidance in Mortgagee Letter 2013-26 is effective for purchase applications with 
case numbers assigned on or after August 15, 2013 through September 30, 2016.

All delinquent accounts and indications of derogatory credit, including collections and judgments, 
bankruptcies, foreclosures, deeds-in-lieu, short sales, and other credit problems must be analyzed.

The lender must review the credit report and determine whether derogatory credit was the result of 
an Economic
Event:
• The borrower exhibited Satisfactory Credit prior to the Economic Event Onset;
• The borrower’s derogatory credit occurred after the Economic Event Onset, and
• The borrower has re-established Satisfactory Credit for a minimum of twelve (12) months.

Foreclosure, Short Sale, Deed in Lieu, Bankruptcy

In all cases, the lender must verify that the derogatory credit was the result of an Economic Event 
and document that a minimum of 12 months has elapsed since the date of the:
• foreclosure
• deed in lieu
• short sale
• discharge of Chapter 7 bankruptcy
Chapter 13 Bankruptcy
The lender must verify and document that
• the Chapter 13 bankruptcy was discharged prior to loan application and all required bankruptcy 
payments were made
on-time, or
• a minimum of 12 months of the pay-out period under the bankruptcy has elapsed and all required 
bankruptcy payments were made on time, and
• the bankruptcy was the result of an Economic Event
If the bankruptcy was not discharged prior to loan application, the borrower must receive written 
permission from the
Bankruptcy Court to enter into the mortgage transaction.


Important Back to Work Definitions

HUD announced several key terms that must be reviewed in accordance with this program.



  • Economic Event: an occurrence beyond the borrowers control that resulted in a Loss of Employment, Loss of Income or a combination of both which resulted in a loss of Household Income of 20% or more for a period of six or more months.
  • Onset of Economic Event: the month of the start of or loss of income.
  • Recovery from an Economic Event: the re-establishment of acceptable or satisfactory credit. Satisfactory Credit equates to no derogatory credit for any mortgaged or leased property in the 12 months preceding the mortgage application. This also includes any installment or revolving debt for the same period.
  • Borrower: “Borrower” includes all parties including primary and/or co-borrower as listed on the loan application.
  • Borrower Household Income: the income of all parties on the application or Household Members as listed from the previous Economic Event and derogatory credit.
  • Housing Counseling: Counseling from a HUD-approved housing counseling agency related to home ownership and meets acceptable requirements.


  • FHA Back to Work Programs for Kentucky Home buyers with a previous short sale or foreclosure
    Agencies located in KENTUCKY
    Agency NamePhone, Toll-Free,
    Fax Number,
    Email, Website
    AddressCounseling ServicesLanguagesParent Organization
    KCEOC COMMUNITY ACTION PARTNERSHIP, INC.Phone: 606-546-3152
    Fax: 606-546-5057
    E-mail: jsmith@kceoc.com
    Website: www.povertyisreal.org
    PO Box 490
    Barbourville, Kentucky 40906-0490
    - 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
    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
    - EnglishAPPRISEN - CCCS OF CENTRAL OHIO, INC.
    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
    - Financial, Budgeting and Credit Repair Workshops
    - Mortgage Delinquency and Default Resolution Counseling
    - Non-Delinquency Post Purchase Workshops
    - Pre-purchase Counseling
    - Predatory Lending Education Workshops
    - Rental Housing Counseling
    - Rental Housing Workshops
    - 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: 859-581-8974-122
    Fax: 859-581-9595
    E-mail:panderson@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
    APPRISEN - ELIZABETHTOWNPhone: 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
    - EnglishAPPRISEN - CCCS OF CENTRAL OHIO, INC.
    APPRISEN - FLORENCEPhone: 800-355-2227
    Toll-free: 800-355-2227
    Fax: 614-552-4800
    E-mail: info@apprisen.com
    Website: www.apprisen.com/home.asp
    7430 US 42, Suite 118
    FLORENCE, Kentucky 41042-1991
    - Financial Management/Budget Counseling
    - Mortgage Delinquency and Default Resolution Counseling
    - Non-Delinquency Post Purchase Workshops
    - EnglishAPPRISEN - CCCS OF CENTRAL OHIO, INC.
    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
    - EnglishAPPRISEN - CCCS OF CENTRAL OHIO, INC.
    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: 502-564-7630-315
    E-mail: jwilliamson@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
    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
    - English
    - Spanish
    KENTUCKY LEGAL AID
    APPRISEN - LEXINGTONPhone: 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
    - EnglishAPPRISEN - CCCS OF CENTRAL OHIO, INC.
    COMMUNITY VENTURES CORPORATIONPhone: 859-231-0054
    E-mail: N/A
    Website: site.notavailable.org
    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
    - English
    - Spanish
    NEIGHBORHOOD REINVESTMENT CORPORATION
    HOPE CENTERPhone: 859-225-4673
    Fax: 859-225-0785
    E-mail: jterry@hopectr.org
    Website: www.hopectr.org
    250 West Loudon
    LEXINGTON, Kentucky 40508-1272
    - Financial Management/Budget Counseling- English
    REACH, INC.Phone: 859-455-8057
    Fax: 859-455-7436
    E-mail: dwasson@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
    - Predatory Lending 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
    - EnglishAPPRISEN - CCCS OF CENTRAL OHIO, INC.
    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
    - EnglishAPPRISEN - CCCS OF CENTRAL OHIO, INC.
    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
    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
    - 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
    - Services for Homeless Counseling
    - EnglishNATIONAL URBAN LEAGUE
    NID-HCA SICKLESPhone: 502-810-9200
    E-mail: N/A
    Website: www.nidonline.org
    3215 Fern Valley Rd Ste 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: N/A
    Website: www.wearehpi.org
    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: 859-491-8303-2324
    E-mail: brighton@brightoncenter.com
    Website: brightoncenter.com
    741 Central Avenue
    NEWPORT, Kentucky 41071-1222
    - Mortgage Delinquency and Default Resolution Counseling
    - Non-Delinquency Post Purchase Workshops
    - Pre-purchase Counseling
    - Pre-purchase Homebuyer Education Workshops
    - Rental Housing Counseling
    - EnglishKENTUCKY HOUSING CORPORATION
    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
    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
    - English
    - Spanish
    KENTUCKY 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
    - EnglishAPPRISEN - CCCS OF CENTRAL OHIO, INC.
    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: diancef@ardfky.org
    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
    - EnglishAPPRISEN - CCCS OF CENTRAL OHIO, INC.
    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
    NATIONAL COMMUNITY REINVESTMENT COALITION, INC.
    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
    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 CORPORATION
       FHA's Back to Work -