Housing Assistance aNd Development Services Inc. (HANDS) is a 501 (c) 3 non-profit that was established in May 1993

 HANDS is a HUD approved credit counseling agency

 Mission Statement

HANDS is a community based organization whose mission is to create affordable housing opportunities for low to moderate income families and to revitalize neighborhoods.


HANDS offer different types of credit counseling:

  • Free financial counseling for anyone with credit problems*
  • Free financial classes (Home Buyer Education, Budget and Credit)
  • One-on-one Home Buyer Education session for $25
  • Free Loss Mitigation and Foreclosure counseling through the Protect My KY Home Program*

*However these programs do require a credit report to be pulled on the client(s).  HANDS charges $19.00 for a single individual and $26.00 for a married couple.  Payment for credit report must be made before counseling services can be started. HANDS only accepts money orders or cashier check made payable to HANDS.

For more details contact HANDS @ 270-796-4176

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