Mortgage Links

AHTCS offers a variety of Web-based, online Section 8 classes and TRACS consulting services specializing in the training of the affordable housing industry.  Classes include trainings for TRACS, EIV, 4350 HUD Handbook, Special Claims, REAC, and Tenant File Management.
Kentucky Business One Stop is a new portal that is a centralized, innovative tool to help new and existing businesses in Kentucky interact with Kentucky state government and maintain good standing for licenses, fees, registrations, etc.

Affordable Housing Training & Consulting Services, LLC (AHTCS)
Alexander & Edwards Publishing, Inc.: Your Housing Industry Information Source
This site has links to the following publications: Apartment Finance Today, Affordable Housing Finance, Affordable Housing Directory and more.
Allregs is a comprehensive and accurate database of residential mortgage lending guidelines.
American Association of Retired Persons (AARP)
This site provides information on services for retired individuals, including housing information for seniors.
American Society of Home Inspectors
The American Society of Home Inspectors® is the national professional organization of home inspectors with members throughout the United States and Canada.
AmeriCorps is an initiative of the Corporation for National Service. This domestic Peace Corps engages more than 40,000 Americans in intensive results-driven service. Most AmeriCorps members are selected by and serve with local and national organizations like Habitat for Humanity, American Red Cross, Big Brothers/Big Sisters and Boys and Girls Clubs.
Bazelon Center for Mental Health Law
The Bazelon Center for Mental Health Law provides information on the legal rights of persons with mental disabilities, including information on legislation, enforcement and settlements. The site also contains information on issues dealing with reasonable accommodations and the Americans with Disabilities Act.
Center for Accessible Living
The Mission of the Center for Accessible Living is to assist in providing an environment that supports the individual with a disability in attaining independent living and the right to choose his or her personal degree of independence.
Community Housing
Community Housing is a non-profit, private organization that helps families attain and maintain affordable housing, by providing below-market first mortgages through Kentucky Housing Corporation; financing for the construction of new homes; homebuyer education and credit counseling; and management of affordable rental properties.
Directory of Homeless Service Organizations
This site contains a list of links to the web sites of homeless service organizations in Kentucky.
Fannie Mae
The Federal National Mortgage Association (Fannie Mae) is a private, shareholder-owned company that was created by Congress. The company helps to ensure money for mortgages is available for home buyers by purchasing mortgages from lenders. Fannie Mae operates under a congressional charter that directs it to channel its efforts into increasing the availability and affordability of homeownership for low-, moderate- and middle-income Americans.
Federal Emergency Management Agency (FEMA)
FEMA is an independent agency of the federal government and reports to the president. Founded in 1979, FEMA’s mission is to reduce loss of life and property and protect our nation’s critical infrastructure from all types of hazards through a comprehensive, risk-based, emergency management program of mitigation, preparedness, response and recovery.
Federation of Appalachian Housing Enterprises, Inc. (FAHE)
FAHE is a coalition of 29 community-based nonprofit organizations that work together to make decent housing affordable and available to low- and very low-income Appalachians.
Freddie Mac
Freddie Mac is a shareholder-owned corporation chartered by Congress to increase the supply of funds that mortgage lenders can make available to home buyers and multifamily investors. Freddie Mac buys mortgages from lenders, packages the mortgages into securities and sells the securities to investors.
Frontier Housing Inc.
This community-based, nonprofit organization addresses the critical housing needs of Appalachian northeastern Kentucky. To succeed with its mission, the agency builds homes and finances them. It also provides services such as homeownership counseling, credit counseling and advocacy to its customers.
Ginnie Mae
The Government National Mortgage Association (Ginnie Mae) was created by Congress. Ginnie Mae helps ensure that mortgage funds are available to lending institutions. The company guarantees securities that are backed by pools of mortgages. Because of its guaranty, investors are assured of payments of scheduled principal and interest even if borrowers or issuers default on their obligation. is an exciting new interagency E-Gov initiative led by the Department of Education that was launched in April 2004. GovLoans is a plain speak web site that helps citizens learn more about federal loans and directs them to the information that best meets their needs. On, citizens can find information about loans for housing, education, agriculture, disaster relief, small business, or veterans – all in one place, regardless of which agency sponsors the programs.
Habitat for Humanity
Habitat for Humanity is a nonprofit, ecumenical Christian housing ministry. Habitat, founded in 1976 by Millard and Linda Fuller, seeks to eliminate poverty housing and homelessness from the world. People of all backgrounds, races and religions are invited to build houses in partnership with families in need.
HandsNet empowers organizations to effectively integrate online communications strategies, strengthening their programs and policies for children, families and people in need.
Home Builders Association of Kentucky
The Home Builders Association of Kentucky is a voluntary trade organization comprised of over 6,300 member firms in 23 local associations throughout the state. The organization was formed in 1957 to provide members with better representation in the state government, continuing education and information dissemination. Association members include residential builders, commercial builders, remodelors, land developers, suppliers and subcontractors.
Homeless and Housing Coalition of Kentucky
The only statewide advocacy organization for issues of homelessness and affordable housing in Kentucky.  Educates state legislators and advocates for more affordable housing in Kentucky. Established in 1987 to serve as the unified voice for low-income housing issues.
HomePath, sponsored by Fannie Mae, provides you with information, worksheets, checklists, tip sheets and mortgage definitions to help you find the Fannie Mae mortgage product and approved lender that best meets your needs. The site also offers calculators to help with buying or refinancing a home.
Housing Assistance Council (HAC)
A national nonprofit corporation headquartered in Washington, D.C., the Housing Assistance Council has been helping local organizations build affordable homes for rural Americans since 1971. HAC has gained a national reputation by providing seed money loans, technical assistance, program and policy analysis, research and demonstration projects, training and information services to public, nonprofit and organizations nationwide that are concerned about affordable housing for low-income rural Americans.
Housing Opportunities of Northern Kentucky
The mission of Housing Opportunities of Northern Kentucky, Inc., is to elevate the aspirations, hopes, stability and accomplishments of low-income, working families and individuals in Northern Kentucky through a rent-to-own homeownership program which requires participation and education of the clients and relies heavily on prayer, volunteerism and donations.
HUD Approved Housing Counseling Agencies in Kentucky
This web site contains a list of housing counseling agencies in Kentucky that have been approved by the U.S. Department of Housing and Urban Development.
HUD Atlanta Homeownership Center
The Atlanta Homeownership Center, one of four centers nationwide, serves ten states (Illinois, Indiana, Georgia, Kentucky, Mississippi, Tennessee, North Carolina, South Carolina, Alabama and Florida)and the Caribbean. In the future, all letters and updates will be posted on this site for viewing by housing agencies.
This site allows a database search of the Federal Register, codes, laws, Congressional Record, guidebooks, handbooks and notices.
Institute of Real Estate Management (IREM®)
IREM is a source for education and professional recognition for real estate managers and management organizations. For over 60 years, IREM has helped professionals advance their careers and become industry leaders in real estate management by enhancing their skills, knowledge and likelihood to succeed. As the nation’s leading resource in real estate management, IREM provides training, information, research, analysis, and practical advice for professionals managing all types of income-producing real estate at all career levels.
Internal Revenue Service (IRS)
 This site contains tax statistics, tax information for businesses, electronic services and education. The site also includes regulations, forms and publications.
Internet Nonprofit Center
The Internet Nonprofit Center offers a variety of resources for nonprofit organizations. The web site features a nonprofit locator and frequently asked questions about management, development and organizations.
Kentucky Association of Counties
Kentucky Association of Counties is a state association of the National Association of Counties (NACo). NACo acts as a liaison with other levels of government on Capitol Hill, works to improve public understanding of counties, serves as a national advocate for counties and provides them with resources to help them meet the challenges they face. The state associations provide counties with services, including legislative representation, research, training, consultation and publications.
Kentucky Association of REALTORS®
The Kentucky Association of REALTORS® exists to support and enhance the ability of local board members to succeed in their businesses in an ethical and competent manner and, through a united voice, preserve and enhance the rights and privileges of the owners of private property.
Kentucky Beehive
The Beehive is the pride and joy of the One Economy Corporation. One Economy is a nonprofit organization based in Washington, D.C.
We created the Beehive to be the place to go for information and resources around the things that matter in our lives: money, health, jobs, school and family. And, we’d like you to have a little fun while you’re here so, we’re throwing in some games and quizzes to keep it interesting.
Kentucky Business One Stop
Kentucky Chamber of Commerce
As the “Voice for Kentucky Business,” the Chamber’s mission is to create and support a favorable economic climate in Kentucky through advocacy, information and customer service.
Kentucky Commission On Human Rights
Our Mission:
To eradicate discrimination in the Commonwealth through enforcement of the Kentucky Civil Rights Act.

Our Vision:
“A Commonwealth united against discrimination; A Commonwealth united for equality.”

Kentucky Council of Area Development Districts
The Kentucky Council of Area Development Districts (KCADD) is an organization representing all ADD Board members throughout the state. The Kentucky Association of District Directors (KADD) is an organization of the fifteen ADD Executive Directors. Jack F. Couch serves as the current Executive Director.”
Kentucky Heritage Council
The mandate of the Kentucky Heritage Council is to identify, preserve, and protect the cultural resources of Kentucky. The Council also maintains continually updated inventories of historic structures and archaeological sites and nominates properties to the National Register of Historic Places. By working with other state and federal agencies, local communities, and interested citizens, the Council seeks to build a greater awareness of Kentucky’s past and to encourage the long-term preservation of Kentucky’s significant cultural resources. Through its various programs the Council strives to show how historic resources contribute to the heritage, economy, and quality of life of all Kentuckians.
Kentucky League of Cities
The Kentucky League of Cities is a voluntary association of cities, created in 1927, to assist municipal officials in representing the interests of cities and to provide services to members which will foster improved municipal governments in Kentucky. The League provides a comprehensive service program to members which assists city officials in carrying out the important and challenging task of local governance.
Kentucky Legislative Research Commission
The Kentucky Legislative Research Commission provides public access to legislative information and information about members and committees. It also is the service agency for the Kentucky legislature.
Kentucky Real Estate Commission
As an agency of the Commonwealth of Kentucky, the Kentucky Real Estate Commission is empowered under Chapter 324 of the Kentucky Revised Statutes to regulate state licensing and education of real estate brokers and sales associates and to safeguard and protect the public interest. The Commission strives to elevate the real estate industry to the highest standards possible through communication, education and the latest technology. The Commission achieves this goal by operating with accountability, efficiency, and responsibility.
Kentucky Real Estate Education Foundation (KREEF)
KREEF is a not-for-profit 501-C corporation established to provide educational opportunities to the Kentucky licensee and consumer in the field of real estate, to promote suitable standards in the field of real estate and to broaden real estate course offerings at educational institutions within the Commonwealth.
Kentucky Real Inspection Association (KREIA)
The Kentucky Real Estate Inspection Association, Inc. (KREIA) was formed in 1992. Its purpose is to promote excellence within the real estate inspection industry by providing and promoting customer service, high standards of conduct for its members, education and training opportunities, and the KREIA Certification Program.
Kentucky River Foothills Development Council, Inc.
Kentucky River Foothills Development Council, Inc. is celebrating its 40th year of serving Clark, Estill, Madison, and Powell Counties. Through over 30 programs, the agency provides a comprehensive range of services for low-income families and individuals. KRFDC embraces a philosophy of needs-based strategies and family-based services leading to family self-sufficiency and economic self-reliance. The agency employs more than 300 people and has an annual budget exceeding $12 million. Our mission speaks for itself…To develop community resources so that all persons may have a life of dignity, responsibility and opportunity. We assist families in need, educate children and adults, and promote partnerships that encourage self-sufficiency and improve family life in our communities.
Kentucky State Data Center
The Kentucky State Data Center, which is at the University of Louisville, provides population and economic data for various geographic divisions in Kentucky. The center offers maps and analyses tailored to a customer’s needs for minimal fees. The online site also has quick summary data, i.e., Census median income data and estimates.
Kentucky State Government
The official state government web site for the Commonwealth of Kentucky.
Library of Congress: Thomas Legislative Information on the Internet
This site provides links to bill status and summaries, the Congressional Record, major legislation and other historical documents.
Metropolitan Housing Coalition
The Metropolitan Housing Coalition brings together public and private resources to provide equitable, accessible housing choices for low-income families in the Louisville metropolitan area.
Mortgage Bankers Association of America (MBA)
Mortgage Bankers Association of America represents the real estate finance industry. MBA serves its membership by representing their legislative and regulatory interests before the United States Congress and federal agencies; by meeting their educational needs through programs and a range of periodicals and publications; and by supporting their business interests with a variety of research initiatives and other products and services.
National Affordable Housing Network
Developed as an independent nonprofit organization, the National Affordable Housing Network has a staff with more than 40 years collective experience in resource-efficient design and construction of low-cost housing. The network was founded to develop resources to provide highly credible research, evaluation, design, education, information and policy and program design assistance to those who are working to change the way low-cost housing is built for disadvantaged Americans.
National Association of Certified Home Inspectors (NACHI)
Welcome to the National Association of Certified Home Inspectors (NACHI), America’s elite non-profit inspection association. Only the top few percent of all home inspectors reach NACHI status. These master inspectors have all successfully passed NACHI’s Inspector Examination, adhere to Standards of Practice, abide by a Code of Ethics, attend required continuing education courses, and are NACHI Certified.
National Association of Home Builders (NAHB)
NAHB is a federation of more than 800 state and local builders associations throughout the United States. Their mission is to enhance the climate for housing and the building industry and to promote policies that will keep housing a national priority. Chief among NAHB’s goals is providing and expanding opportunities for all consumers to have safe, decent and affordable housing. About one-third of NAHB’s 190,000 members are home builders and/or remodelers. The remainder of the membership consists of associates working in closely related fields — such as mortgage finance and building products and services — within the housing industry.
National Association of Housing and Redevelopment Officials (NAHRO)
The purpose of NAHRO is to be the leading housing and community development advocate for the provision of adequate and affordable housing and strong, viable communities for all Americans, particularly those with low and moderate incomes, and to enhance the professional development and effectiveness of NAHRO’s members.
National Coalition for the Homeless
The National Coalition for the Homeless is a national advocacy network of homeless persons, activists, service providers and others committed to ending homelessness through public education, policy advocacy, grass-roots organizing and technical assistance.
National Community Development Association (NCDA)
NCDA is a national nonprofit organization comprised of more than 500 local governments across the country that administer federally supported community and economic development, housing and human service programs, including the U.S. Department of Housing and Urban Development (HUD)’s Community Development Block Grant (CDBG) and the HOME Investment Partnerships (HOME) Programs. Since 1968, NCDA has been at the forefront in securing effective and responsive housing and community development programs for local governments.
National Council of State Housing Agencies (NCSHA)
NCSHA is a national, nonprofit organization created in 1970 to assist its members in advancing the interests of lower-income and underserved people through the financing, development and preservation of affordable housing. NCSHA’s members are housing finance agencies (HFAs) with statewide authority. The NCSHA web site provides links to all other state HFA web sites.
National Housing Institute (NHI)
NHI is an independent nonprofit organization that examines the issues causing the crisis in housing and communities in America. These issues include poverty and racism, disinvestment and lack of employment, safety, education, and breakdown of the social fabric. NHI examines how these and other factors effect people as they try to build safe and viable neighborhoods. NHI has performed original research on such topics as saving subsidized housing, homelessness prevention and creating jobs as a component of affordable housing construction. NHI searches for what does and does not work in community building. They communicate their findings in an objective, journalistic style in Shelterforce, a bimonthly magazine.
National Low Income Housing Coalition (NLIHC)
Established in 1974, the National Low Income Housing Coalition/LIHIS is the only national organization dedicated solely to ending America’s affordable housing crisis. The NLIHC is committed to educating, organizing and advocating to ensure decent, affordable housing within healthy neighborhoods for everyone. NLIHC provides up-to-date information, formulates policy and educates the public on housing needs and the strategies for solutions.
National Rural Development Council (NRDC)
At the federal level, the NRDC is made up of senior program managers representing federal departments/agencies and national organizations–all of which play some role in shaping the lives of rural Americans. As NRDC members, they provide guidance for the National Rural Development Partnership (NRDP) and work on behalf of state rural development councils (SRDCs) at the national level.
National Rural Development Partnership
The National Rural Development Partnership, through 36 state rural development councils and a National Rural Development Council, brings together federal, state, local and tribal governments as well as the private for-profit and non-profit sectors to work in partnership for the improvement of rural America’s communities.
National Rural Housing Coalition (NRHC)
NRHC was formed in 1969 to fight for better housing and community facilities for low-income rural people. NRHC works to focus policymakers on the needs of rural areas by direct advocacy and coordinating a network of rural housing advocates.
The NeighborWorks® network promotes the creation of healthy communities through affordable housing, homeownership and investments in neighborhood revitalization through local partnerships of residents, nonprofits, lenders, business community and local government.
New Directions Housing Corporation
New Directions Housing Corporation, founded in 1969, is a nonprofit housing provider in Kentucky. New Directions channels the community’ income. low of families assist to services resident enhanced with management housing and development strategies, two into resources private public s
Northern Kentucky For Rent
Landlords in northern Kentucky are invited to submit residential or commercial rental information. Along with exterior and or interior property descriptions and applications. Landlord E-mail addresses and phone numbers will be included so that prospects can contact landlords directly.

Landlords will be charged a subscription fee for web postings and changes for a renewable term of 3 months. yard signs and sign inserts will be supplied to all subscribing landlords.

Office of Multifamily Housing Assistance Restructuring (OMHAR)
This site is the home of the newly created Office of Multifamily Housing Assistance Restructuring (OMHAR). The agency was created by the U.S. Department of Housing and Urban Development (HUD) to administer the Mark-To-Market Program. KHC is a participating administrative entity for HUD for the state of Kentucky.
Pennyrile Housing Corporation
This site is the home of the newly created Office of Multifamily Housing Assistance Restructuring (OMHAR). The agency was created by the U.S. Department of Housing and Urban Development (HUD) to administer the Mark-To-Market Program. KHC is a participating administrative entity for HUD for the state of Kentucky.
Public Housing Technical Resource Center
The Public Housing Technical Resource Center web site provides a convenient, cost-effective way to access the most comprehensive source of information and services available to housing authorities.
Reach, Inc.
REACH, Inc., is a private, nonprofit organization committed to making housing more affordable for members of the community. We offer programs to help low- to moderate-income families and individuals become first-time homeowners. Celebrating more than 400 homes sold and DREAMS fulfilled!
Rental Housing On Line
This site contains a wealth of information related to rental housing. It contains forms and agreements; state landlord-tenant laws; housing acts and agencies; vacancy listings; information on buying property, marketing and selecting tenants; tax help; frequently asked and much more(see ).
Rural Information Center (RIC)
The Rural Information Center (RIC) provides information and referral services to local, state, and federal government officials; community organizations; rural electric and telephone cooperatives; libraries; businesses; and, rural citizens working to maintain the vitality of America’s rural areas.
Sanctuary, Inc.
Sanctuary, Inc. is a non-profit agency committed to the provision of preventative and restorative services to victims of sexual assault and domestic violence. We deliver caring, comprehensive support to victims of personal violence in the nine-county area of the Pennyrile Area Development District including: Caldwell, Christian, Crittenden, Hopkins, Livingston, Lyon, Muhlenberg, Todd, and Trigg. We seek to empower through crisis intervention, peer support, victim advocacy, and community education.
Senior Resource
This site has information on housing and housing finance for senior citizens.
Southeastern Affordable Housing Management Association (SAHMA)
SAHMA is a “not-for-profit organization which represents owners and managers of privately owned, federally regulated housing throughout the Southeast.” The organization provides services and representation for its members and the affordable housing industry through advocacy, education and networking.
State Housing Finance Agency List
This page has links to other state housing finance agencies.
The Enterprise Foundation
The Enterprise Foundation is a national, nonprofit housing and community development organization launched in 1982 to see that all low-income people in America have the opportunity for fit and affordable housing and to move up and out of poverty into the mainstream of American life. As a catalyst for long-lasting community change, the Enterprise Foundation assists community-based nonprofit organizations and state and local governments in developing affordable housing and community services.
The Foundation Center
The mission of The Foundation Center is to foster public understanding of the foundation field by collecting, organizing, analyzing and disseminating information on foundations, corporate giving and related subjects.
The Right-to-Know Network
The Right-to-Know-Network provides free access to environmental and housing databases, including the Home Mortgage Disclosure Act database. Users can make queries and obtain local data.
U.S. Department of Housing and Urban Development (HUD)
HUD was created by the Department of Housing and Urban Development Act of 1965. The agency’s mission is to provide a decent, safe and sanitary home and suitable living environment for every American.
U.S. Department of Housing and Urban Development-Kentucky State Office (HUD)
HUD was created by the Department of Housing and Urban Development Act of 1965. The agency’s mission is to provide a decent, safe and sanitary home and suitable living environment for every American.
United States Census Bureau
The United States Census Bureau is a collector and provider of timely, relevant and quality data about the people and economy of the United States.
United States Department of Agriculture (USDA): Rural Development
USDA’s Rural Development is committed to helping improve the economy and quality of life in all of rural America. Its financial programs support such essential public facilities and services as water and sewer systems, housing, health clinics, emergency service facilities and electric and telephone service. It promotes economic development by supporting loans to businesses through banks and community-managed lending pools. Rural Development offers technical assistance and information to help agricultural and other cooperatives get started and improve the effectiveness of their member services. And it provides technical assistance to help communities undertake community empowerment programs.
United States Department of Veterans Affairs
The Department of Veterans Affairs provides access to information on veterans’ benefits.

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