Housing Assistance aNd Development Services Inc. (HANDS)
is a 501 (c) 3 non-profit that was established in May 1993
HANDS IS A HUD APPROVED CREDIT COUNSELING AGENCY
HUD (U.S. Department of Housing and Urban Development) sponsors housing counseling agencies throughout the country that can provide advice on buying a home, renting, defaults, foreclosures, and credit issues.
HANDS is a community based organization whose mission is to create affordable housing opportunities for low to moderate income families and to revitalize neighborhoods.
502 DIRECT LOANS
Through a new partnership with USDA Rural Development, HANDS is now offering this special mortgage product exclusively for homebuyers in Warren, Logan, Butler, Simpson, Edmonson, Allen, Hart, Barren, Daviess, Ohio, McLean, Henderson, and Hancock Counties.
HANDS OFFER 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 through the Protect My KY Home Program*
*However, these programs do require a credit report to be pulled on the client(s). HANDS charges $27.00 for a single individual and $42.00 for a married couple. Payment for credit report must be made before counseling services can be started. HANDS only accepts money orders or cashier check made payable to HANDS.
For more details contact HANDS @ (270) 796-4176