Housing counselors will work with you one on one to assess your financial situation and offer suggestions on what you should do, free of charge.
KVCAP is a Full-Cycle Homeownership Center with staff certified in areas including financial capability, pre-purchase homeownership education, post-purchase homeownership education, rental counseling, foreclosure services and eviction intervention.
Housing Counseling Services Offered:
Foreclosure: Assist clients to understand their options for loan repayment or modification as well as help to cope with the burdens of losing a home. Assists with one-on-one counseling for mortgage default, loss mitigation and foreclosure intervention. Are you behind on your mortgage? Early action is key.
Pre-purchase: Education to include topics such as financial management, credit, prequalifying and loan approval, financing options, shopping for a home, finalizing and closing on the home, fair housing, home inspections and predatory lending practices. An excellent way for all first time home buyers to learn the ropes of owning a home and an inexpensive way to educate yourself about one of the most important financial purchases you will ever make. Your lender may require you to take a first time homebuyer education class, you will need to verify the program you take is accepted by your lender.
Financial Capability: Providing one-on-one interactions to assist in setting and achieving unique financial goals for improving credit, increasing savings and building wealth.
Non- Delinquency Post Purchase: One-on-one counseling to ensure successful homeownership and home retention. Assistance in financial management, preparation for home maintenance including the homeowner’s rights and obligations, repair or improvements as well as creating a safe living space. Includes strategies for energy efficiency, home equity loans or refinancing and the process of selling your home.
Rental Housing & Eviction Intervention: One-on-one counseling to focus on the specific needs of the individual renter that include spending plans, rental eligibility, locating sustainable housing, accessing funds for security deposit, understanding lease agreement and terms, preparations for the move, fair housing, renters insurance, tenant and landlord rights. In addition to addressing landlord-tenant issues, emergency preparation and recovery, and the eviction process.