Housing Counseling

Housing counselors help renters, homeowners and those seeking financial coaching to improve their personal financial health while strengthening communities.

Schedule Online or call 207-859-1517 to contact us or schedule a counseling appointment. 

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: 
A blue paper cutout of a house sits on a desk with drawings and plans, next to a laptop. A stack of coins, a pair of glasses, a ruler, and a pencil are also on the desk, suggesting themes of real estate or home planning.
Image by Freepik.

Keep Your Home

Foreclosure: If you are a homeowner struggling to pay your mortgage, our compassionate HUD certified housing counseling staff will help you to improve your situation through one-on-one counseling free of charge. Support may be provided to design a personalized budget, understand your finances, navigate Maine’s foreclosure process (paperwork, mediation and communication with attorneys), review documents and negotiate with mortgage companies.

Non- Delinquency Post Purchase:  One-on-one counseling free of charge 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 free of charge 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.  

A joyful couple kneels in front of their new house, smiling and holding a "For Sale By Owner" sign with a "Sold!" sticker on it. The white garage door and part of the house are visible behind them, along with a tree branch and house number 4313.
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Buy a Home

Pre-purchase: Let us help you become a savvy homebuyer. Our HUD certified counselors will teach participants in one on one sessions how to navigate the homebuying process, manage money, develop a budget and maximize creditworthiness, qualify for and obtain a mortgage loan, get the most out of a home inspection and complete the closing process. An excellent way for all first-time home buyers to learn the ropes of owning a home and 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.

 

Two individuals sit on the floor surrounded by papers, a laptop, notebooks, and coffee cups. The person on the left is holding a paper and appears focused while biting the end of a pen. Both are casually dressed and seem to be working on or discussing documents.
Designed by Freepik.

 

Financial Capability: Provides one-on-one counseling free of charge to assist individuals to achieve their financial goals. These sessions are tailored to meet individual financial needs. Financial capability coaching can help you develop a personalized budget, understand your credit, manage debt responsibly, learn how to evaluate loans, credit cards and bank accounts.