Homeowners and tenants can get help from the Louisville Metro Housing Authorit. The non-profit, HUD certified agency offers counseling as well as applications for resources such as section 8 housing. Case managers also have referrals to both charities and churches that can provide emergency funds, such as loans, for partial mortgage or rent payments. For any housing issues, the authority operates some or all of the programs below.
Those looking to rent a home or apartment, with a very low income, can see if they qualify for Section 8 Housing Choice Voucher, or if there is a waiting list. The Louisville Metro Housing Authority can help resident apply for this HUD created program. For those that enroll, and make it through the waiting process, there can be rent subsidies given to them, and section 8 is targeted at very low-income families in Jefferson County.
There are other subsidies for the elderly and the disabled, such as Shelter Care Plus. The HUD funds can help people afford private market homes or apartments. All of the money will be issued to the landlord or the apartment community manager from the Public Housing Authority, and the amount of the voucher paid out is based on the household's total income as well as any savings they have.
There are a few more emergency type financial assistance options, most of which are run in partnership with local charities. They will also usually rely on federal government funds, such as emergency solution grants, and this money will also be limited. It is usually disbursed at the beginning of the year, and runs out quickly. Some of the primary components of it include the following.
FSS, or Self-Sufficiency, is for households enrolled in section 8. This involves the tenant working with a case manager to help them meet financial goals around employment, savings, and credit counseling. The goal is to really help the client gain long term housing stability.
There are a few. Some are for people looking to purchase, and others can assist current homeowners that are facing a foreclosure. The goal is to ensure the greater Jefferson County region has a strongly and health home ownership record and that people can both buy, and also remain living in their residences.
Foreclosure and Mortgage Delinquency Counseling is an option for people in a true hardship, and that just did not overspend. So there is help for people that are behind due to job layoff, illness, a reduction in pay, death of an income provider, or unexpected reasons.
This service from staff at Louisville Metro Housing Authority provide advice to clients who are delinquent on their mortgage or facing foreclosure. There is guidance in working with lenders for modifications as well as education and advocacy. Receive free confidential counseling from HUD certified counselors.
Homebuyer Workshops are for families or individuals who are seeking to buy. There are workshops as well as one on one sessions, and each is geared toward first time homebuyers. They detail steps people can take to improve their credit or save money. The goal of Louisville Metro Housing Authority (LMHA) is to show people how to move from the position of renting to owning your own home.
Sessions are held on a one on one basis, and it will prepare the homebuyer or someone seeking to buy. There will be sessions held in a face to face interview, enabling people to make an informed and reasonable decision to achieve their goal. After the screening interview the counselor prepares a plan for the client, and all tasks will be followed throughout the process.
Information is offered from specialists. Unfortunately Louisville Metro Housing Authority can't address all issues, so in those cases they will make recommendations for services that may address the family’s needs. To learn more on any services, call the agency at (502) 569-3400 or stop by the office at 420 South Eighth Street, Louisville, Kentucky 40203.
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