Resources for Kentucky Homeowners

Trouble Paying Your House Payment?

Owning a home brings comfort and security — but if you're struggling to make your mortgage payments due to job loss, illness, or other financial stress, it can feel overwhelming. You are not alone, and there are trusted resources that can help you take the next step.

If your mortgage payment is made to any other mortgage company, visit the Kentucky Homeownership Protection Center for additional homeowner resources, support programs, and tools to help navigate your options.

What This Page Offers

• Guidance on your rights and available options, including forbearance, loan modification, and other relief programs.
• Direct access to reliable housing counselors.
• Tips for avoiding foreclosure scams and high-pressure offers.
• Clear next steps to protect your home and financial future.

Additional Resources

You can also visit the Consumer Financial Protection Bureau’s Help for Homeowners for more information on assistance programs and how to work with your mortgage servicer.

The sooner you seek help, the more options you may have. Stay informed, take action early, and use only trusted resources.

Military Housing Assistance

Are you active-duty military and need help with housing?

The Kentucky Legislature and KHC created the Military Housing Assistance program to aid military personnel during active-duty deployment outside of the United States with their housing costs and services.

Requirements

• One family member from the current household must be on active duty outside of the United States.
• The household member on military active duty must have Kentucky listed as his/her home state of record for military purposes.
• Household income must be at or below 200 percent of the area median income for that county.
• Applicants cannot be more than 60 days delinquent in housing payments from the date s/he was sent to training before deployment.
• Kentucky Housing Corporation will pay two months of delinquent payments including any late charges accrued during those two months.
• KHC may pay a maximum of 12 months or $5,000 per household; unless active duty becomes extended and then Kentucky Housing may pay through the extension date.
• Assistance will be in the form of a grant.
• If the deployed household member dies while on active duty, KHC will continue to pay for three months after the date of death.
• Applicants with a current KHC loan will be referred to KHC Mortgage Servicing team to develop a repayment plan at a lower-interest rate.
• Program participants must notify KHC within 30 days of the end of deployment or repay any assistance paid on his/her behalf after that date.
• A maximum of six credit counseling sessions will be available to all Military Housing Assistance program participants upon the household's request during or after deployment at KHC’s expense.

For more about this program’s originating legislation through KY Senate Bill 186, please visit the Legislative Research Commission’s website.

This program is for Kentucky residents only. Please email KHC.