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Housing Program

The Housing Initiatives Department assists families to qualify to become homeowners and assist current homeowners with counseling on ways to maintain their homes. The Housing Initiatives program at Bell-Whitley CAA was developed in response to community need for “safe, affordable housing”. Through our Housing program, many single family dwellings have been built or purchased and numerous homes have been saved from foreclosure. 

Our Housing Initiatives program is made possible through partnerships with Kentucky Housing Corporation (KHC), U. S. Department of Housing and Urban Development(HUD), Housing Assistance Council (HAC), USDA/Rural Development, Affordable Housing Trust Fund (AHTF), Appalachian Regional Commission (ARC) and Federation of Appalachian Housing Enterprises, Inc.(FAHE)

Bell-Whitley CAA has housing counselors on staff to assist households to become mortgage ready and qualify for many housing programs. Workshops on “Yes You Can…Own a Home” are offered as needed so long as enough participants will be in attendance.

  • Repair Affair - Bell-Whitley CAA organizes and sponsors this event. Repair Affair is a one day event to fix or to spruce up homes of the elderly and/or person with disabilities who need a little help to maintain their homes. This all volunteer event is accomplished by people of all ages with varied skills. You can volunteer for the day and/or help by giving a tax deductible contribution of cash or materials. For more information on volunteering, making a tax deductible contribution of cash or materials, or to find out if you qualify for Repair Affair, contact Brian Good at the Pineville office for Bell County and Charles Lester at the Williamsburg office for Whitley County.

  • Home ownership Counseling - Bell-Whitley CAA seeks to assist perspective homeowners prepare for the purchase of a home through Home ownership Counseling program. By successfully completing the counseling program you will be better able to develop a budget and save for unexpected expenses, manage credit and understand how credit affects a mortgage loan, understand debt ratio, know what to expect at a loan closing, meet the ongoing financial obligations of home ownership, and basic home maintenance issues


  • Foreclosure Intervention & Default Counseling - Geared for those homeowners in eminent danger of loan default or experiencing financial difficulties. Counselor provides assistance to develop financial and credit rebuilding plans that work to increase the homeowner’s knowledge and helps them make wiser financial decisions. In addition to providing assistance with the preparation and negotiation of any loss mitigation options the participant selects (loan modification, repayment plan, Making Home Affordable Program, etc.)

  • Homebuyer/New Construction - Bell-Whitley CAA Homebuyer seeks to help low-income households reach the American Dream of home ownership by continually seeking funds to assist in down payments, closing costs, and gap financing. Home buyers will normally have two mortgages; the first mortgage through a local lender and a second mortgage to assist in gap financing through Bell-Whitley CAA, Inc. To qualify for the Homebuyer program, participants must meet income guidelines, have a fixed income (wages, SSI, Social Security, etc.), be willing to make a monthly mortgage payment, attend home ownership counseling sessions to deal with credit issues, budgeting, home maintenance, and meet other criteria relevant to funding sources.


  • Homebuyer/Purchase Pre-Existing - JustChoice Lending (JCL) is a socially responsible mortgage lender that matches clients to the loan that is right for them. JustChoice Lending offers rates that are competitive with mainstream lenders and provides clients with the service and attention of a trusted partner. We serve people of all income levels, but unlike many lenders, we also have the resources, experience, and know-how to work with people from lower-income backgrounds. In addition, no matter the income level, we also help clients with less-than-stellar credit improve their scores so they can find the home of their dreams.

Hickory Hills Apartment Rental Information:

We will be taking applications soon for the rental of

our apartments located in Middlesboro on 34th Street.

The application fee is $25.00 and is due upon

application completion. Call 606-337-3044 and ask

for Anna to schedule an appointment after you 

download and complete the application.

Dear Potential Applicants,

Once your application is complete you will need to call the office to schedule a curbside drop-off with Anna Brock. You MUST have the following in order for your application to be processed:

1. Current Photo ID of ALL potential tenants

2. Social Security Cards for all potential tenants

3. Proof of Income - must be 60 days of pay-stubs or current Award Letter

4. Check/Cash for Application Fee

Apartment Application, click here to download!


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