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HANDS is a HUD approved credit counseling agency.

Housing Assistance aNd Development Services, Inc. (HANDS) a 501 (c) 3 non-profit that was established in May 1993.


Mission Statement

HANDS is a community based organization whose mission is to create affordable housing opportunities for low to moderate income families and to revitalize neighborhoods.

HANDS offers different types of credit counseling

  • Free financial counseling for anyone with credit problems*

  • Free financial classes (Home Buyer Education, Budget and Credit)

  • One-on-one Home Buyer Education session for $25

  • Free Loss Mitigation and Foreclosure counseling (HANDS has partnered with Protect My KY Home program)*

*However these programs do require a credit report to be pulled on the client(s).  HANDS charges $19.00 for a single individual and $26.00 for a married couple.  Payment for credit report must be made before counseling services can be started.  For more details contact HANDS @ 270-796-4176.

PO Box 9637
Bowling Green, KY  42101

Phone: (270) 796-4176
Fax: (270) 796-8203