Bringing It Home with KHC

Manufactured Housing in Kentucky and Beyond Oct 29, 2024

In 1974, Congress passed the National Mobile home Construction and Safety Standards Act, which created the so-called HUD Code regulation. Since then, there have been no more "mobile" homes. There are, however, manufactured homes, or homes built indoors in climate-controlled manufacturing environments in a streamlined process that has been refined for four decades. They are built in single or multiple sections, and, like site-built homes, now come in various configurations with customizable layout, flooring, and finishes. They are subject to the same rigorous quality standards as traditional homes and many are now eligible for conventional mortgages and even down-payment assistance.

In this episode, we talk with two long-time industry professionals—Logan Hanes from the Kentucky Manufactured Housing Institute and Ramsey Cohen from Clayton Homes—to find out more about this often-overlooked process and how it may prove to be an important player in the campaign to address the affordable housing supply gap in Kentucky.

...

Kentucky Manufactured Housing Institute

Clayton Homes

Manufactured Housing and Standards - Frequently Asked Questions

Habitat for Humanity of Henderson on Being a CHDO Aug 26, 2024

Kentucky Housing Corporation (KHC) awards the special designation of Community Housing Development Organization (CHDO) to select nonprofit housing agencies that have an existing partnership with KHC and a proven record of producing HOME-funded affordable housing projects in their service areas. Essentially, a CHDO is a nonprofit, community-based service organization that has significant capacity to develop affordable housing for the community it serves. Among the CHDOs in Kentucky is Habitat for Humanity of Henderson, which is the first and currently the only Habitat in the Commonwealth to receive this special designation.

To learn more about CHDOs and the associated benefits, we sat down with two administrators from Habitat for Humanity of Henderson —Executive Director Britney Smith and Chief Operating Officer Matt Reynolds — and two administrators from KHC — Curtis Stauffer, managing director of Housing Contract Administration (HCA), and Keli Reynolds, assistant director of HCA Single-Family Programs. In about a decade, Habitat of Henderson has gone from being an organization with the capacity to build one home per year to an organization with the capacity to build five. With the help of the CHDO designation, Britney and Matt are making a significant contribution to affordable housing opportunities in their community.

To learn more about becoming a CHDO, visit https://www.kyhousing.org/Partners/Developers/Single-Family/Pages/Community-Housing-Development-Organizations.

...

Habitat for Humanity of Henderson

A Conversation with Prost Mortgage Group Jul 17, 2024

The staff at Prost Mortgage Group has amassed nearly four decades of experience helping families buy homes with FHA, VA, rural housing, and other loans. Ken Prost, the firm's principal mortgage advocate, has been a regular at the KHC Top Producer Awards, taking home the Top Lender and Top MCC Lender in 2023.

For this episode, we visited the Prost Mortgage Group office to speak with Ken Prost, Brach Manager Danielle Prost, and Loan Officer Becky Astaiza about the state of affordable housing in Northern Kentucky, opportunities for homebuyers, and their outreach to the Hispanic community.

...

Prost Mortgage Group

Eviction Diversion and Homeownership Assistance Fund Jul 08, 2024

Kentucky Housing Corporation (KHC) administers two programs for the Commonwealth designed to keep Kentuckians housed. The Eviction Diversion Program (EDP) helps eligible renters with an active eviction case avoid homelessness by providing back rent or access to alternative housing. The Homeowner Assistance Fund (HOAF) helps eligible homeowners avoid homelessness by providing assistance for up to six months of missed mortgage payments or payments for utilities. So far, KHC has allocated over $34 million from HOAF. EDP began earlier this year.

In this episode of Bringing It Home, we speak with the two people at KHC responsible for administering the programs: EDP Program Manager Christine Amburgey and HOAF Program Manager Miranda Cornish.

We also speak with Libby Ludwig of Apprisen, a nonprofit financial services organization that helps homeowners navigate HOAF and work their way back to financial freedom.

...

Team KY EDP

Team KY HOAF

Discussing Homeownership with Realtors May 15, 2024

Kentucky Housing Corporation (KHC) serves Kentucky homebuyers with a variety of loan products, down payment assistance, closing cost grants, excellent customer service, and more. In this episode, we speak with two veteran real estate professionals who have worked with these and other KHC products: Cheryl Johnson from eXp Realty and Marcia Duncan from Homepage Realty. We discuss the challenges and opportunities facing homeowners in 2024.

Summit to End Rural Homelessness Apr 30, 2024

For the past two years, KHC and the West Virginia Coalition to End Homelessness (WVCEH) have hosted an annual summit on preventing and ending rural homelessness. The Summit is a unique and collaborative training week for providers in the KY and WV Balance of State Continuums of Care, providing members with the opportunity to network among peers, ask questions of the experts, explore and refine leadership skills in the space of ending homelessness, and engage in meaningful, solution-driven conversations.

In this episode, we speak with Kenzie Strubank from KHC and Amanda Sisson from the West Virginia Coalition to End Homelessness about the Summit and their partnership and the impact of the summit. We also speak with two attendees about their experience at the event.

Recovery Kentucky Mar 14, 2024

Recovery Kentucky was created to help Kentuckians recover from substance abuse, which often leads to chronic homelessness. There are 13 Recovery Kentucky centers across the Commonwealth. They are in Bowling Green, Campbellsville, Erlanger, Florence, Grayson, Harlan, Henderson, Hopkinsville, Owensboro, Paducah, Richmond, Somerset, and Knott County. These centers provide housing and recovery services for up to 2,000 Kentuckians across the state.

In this episode, we speak with Mike Townsend, who oversees the Recovery Kentucky program for Kentucky Housing Corporation (KHC), and Stephanie McCarty, director of recovery services at the Women's Addiction Recovery Manor (WARM) in Henderson, about the program's history, philosophy, and impact.

The K-Count Jan 30, 2024

Each year, KHC and partners across the state conduct the K-Count, a census of persons experiencing homelessness on a single night in January. The U.S. Department of Housing and Urban Development (HUD) requires this count to demonstrate the need for resources for housing and services for homeless persons in each community.

In this episode, we spoke with Shaye Rabold, Continuum of Care (CoC) planning and technical administrator at KHC, and Beverly Isom, supportive services director at KCEOC, to better understand the K-Count and how and why it is carried out across the Commonwealth.

Revisiting Conversations from 2023 Jan 09, 2024

We began 2023 by discussing the state of affordable housing in Kentucky and the challenges for multifamily developers and loan officers. We later explored the need for fair housing and spoke with KHC staff and partners about how Kentuckians can achieve their dream of homeownership. In July, we offered a multipart look at how the Eastern Kentucky floods impacted the region and how residents and KHC partners are rebuilding. And we ended the year with a look at weatherization and homeless resources and the state of affordable housing in Kentucky's two largest cities. Before we embark on the 2024 season, we wanted to revisit some highlights from 2023. Here are excerpts from a few of those conversations.

Northern Kentucky Homelessness Resources Nov 20, 2023

In this episode, we have the privilege of speaking with Danielle Amrine, CEO of the Welcome House, and Melissa Hall Sommer, Senior Vice President of the Brighton Center, both of whom are deeply involved in addressing the issue of homelessness in Northern Kentucky. Our conversation aims to shed light on the prevalent issue of homelessness and explore the resources currently available to support those in need.

We are publishing this episode in November to recognize the significance of National Homelessness Awareness Month and National Homeless Youth Awareness Month. This time of year provides an opportunity for us to come together as a community and raise awareness about the challenges faced by individuals experiencing homelessness, especially the vulnerable youth population.

Weatherization and the Residential Energy Efficiency Center Oct 12, 2023

The U.S. Department of Energy's Weatherization Assistance Program (WAP) is the nation's largest residential energy efficiency program, helping low-income families to lower their energy bills. KHC receives funding for WAP through the U.S. Department of Energy (DOE) and the Kentucky Cabinet for Health and Family Services' Low Income Heating Energy Assistance Program (LIHEAP). That funding allows trained inspectors and crews from Community Action Agencies across the Commonwealth to retrofit housing for eligible individuals at no cost to the homeowner. Before doing the work, though, crew members are trained by experts at the KHC's Residential Energy Efficiency (REE) Center in Frankfort, Kentucky, where they learn on state-of-the-art equipment and training tools.

In this episode, we talk with those experts—REE Manager Mark Adams and REE Training Specialists Dewayne Cade and Troy Gosser—to learn more about weatherization, the REE Center, and the future of the program.

The State of Affordable Housing in Louisville and Lexington Sep 06, 2023

In the last three episodes, we looked at the affordable housing situation and recovery in Eastern Kentucky one year after the flooding. In this episode, we turn our attention to the cities. We sit down with Christie McCravy, executive director of the Louisville Affordable Housing Trust Fund, and Rick McQuady, affordable housing manager for Lexington, to discuss funding priorities, quality standards, energy efficiency, American Rescue Plan support, and the future of affordable housing.

Eastern Kentucky One Year After the Flooding – Part 3 – KHC Aug 11, 2023

The flooding of late July 2022 devastated communities in Eastern Kentucky. In this episode, we look back at the events of those days through the work being done by the teams here at Kentucky Housing Corporation. We speak with David Starck and Anthony Wright from Multifamily Programs about Low-Income Housing Tax Credits, "the largest driver of affordable housing in the country," and Curtis Stauffer from Housing Contract Administration about the home repair program.

Eastern Kentucky One Year After the Flooding – Part 2 – The Builders Aug 01, 2023

The flooding of late July 2022 devastated communities in Eastern Kentucky. In this episode, we look back at the events of those days through the eyes of two affordable housing developers: Scott McReynolds, executive director of Housing Development Alliance in Hazard, and Seth Long, executive director of HOMES, Inc. in Letcher County. Since the night of the flood, both organizations have devoted their efforts almost entirely to the recovery.

Eastern Kentucky One Year After the Flooding – Part 1 – The Homeowners Jul 26, 2023

The flooding of late July 2022 devastated communities in Eastern Kentucky. In this episode, we look back at the events of those days through the eyes of two flood survivors: Sherry Mullins, whose home was swept off its foundation by a 30-foot wave, and Adam Stacey, whose home suffered substantial water damage but remained in place. In the year since, both Sherry and Adam received support from Housing Development Alliance (HDA), one of the few nonprofit affordable housing developers in the region.

Listen to Sherry and Adam share their stories and learn about how the rebuilding efforts in Eastern Kentucky have been life-changing for some lifelong residents.

Hometown Lending Jun 14, 2023

We want to wish you all a Happy Homeownership Month!We are kicking things off with one of our award-winning lenders, Connie Lancaster from Hopkinsville, Kentucky. Connie will be joining us to speak about the state of affordable housing, and the impact and importance of Hometown Lending within her community.This episode also features one of Connie’s clients, Naomi Moore who has an amazing and inspiring Homeownership Success Story. Naomi’s story is a special look into the joy and excitement of becoming a first-time home buyer.

From Homebuyer to Lender May 23, 2023

We sat down with Heather Akins (Stockton Mortgage), Katelyn Watkins (Ruoff Mortgage), and Kay Smith (KHC) to learn their stories, to find out what homeownership means to them and to see why they found their home in the mortgage lending field.

Homeownership 101 May 03, 2023

In celebration of June as National Homeownership Month, we asked Melissa Johnson, Kay Smith, and Krista McIver from our Single-Family Department to join us and discuss how more Kentuckians can achieve their dream of homeownership.

What is Fair Housing? Why is It Important? Apr 03, 2023

In celebration of National Fair Housing Month, Bringing It Home with KHC sat down with Drew Bowling, assistant director of Kentucky Fair Housing Council, to explore fair housing in Kentucky. In this lively episode, Drew explained the concept of fair housing, why it is so important in Kentucky, and how people can report suspected fair housing violations.

Illuminating Voices in Lending Mar 01, 2023

As we close out Black History Month and welcome Lender Appreciation Month, Teri Knott (NMLS #56539) and Melanie Yarmy (NMLS #1484875) of Stockton Mortgage join us to discuss how they improve homeownership opportunities for their clients.

In this episode, we cover representation in the industry, challenges lenders face and how Teri and Melanie work their magic using KHC’s down payment assistance and mortgage credit certificate programs. We also discuss advice for potential new homeowners. It is a fun and informative listen and extremely timely.

Later this month, we will honor our top lenders for 2022. Last year, both Teri and Melanie were on our 2021 Top Lenders list.

The Challenges of Multifamily Housing - Part 2 - Woda Cooper Feb 16, 2023

Welcome to Bringing it Home with KHC, a podcast exploring the housing industry, trends, and issues facing affordable housing in Kentucky. Our second episode explores the challenges Kentuckians are facing with multifamily housing, which is a universal term for any housing that has more than one unit, including apartments, duplexes, and townhomes.

Kentucky Housing Corporation (KHC) funds multifamily development with Low-Income Housing Tax Credits, tax-exempt bonds, and the Affordable and National Housing Trust Fund. Developers use those funds to create housing units for low-income Kentuckians. This year, KHC funded 13 new projects with more than $12.5 million in tax credits as well as $8.5 million in new funding provided by the American Rescue Plan.

In this episode, we speak with Jim King, the president of Fahe, and David Cooper, the president and chief legal counsel of Woda Cooper Companies, to discuss the trends, challenges, and solutions for the problems facing multifamily housing.

The Challenges of Multifamily Housing - Part 1 - Fahe Feb 16, 2023

Welcome to Bringing it Home with KHC, a podcast exploring the housing industry, trends, and issues facing affordable housing in Kentucky. Our second episode explores the challenges Kentuckians are facing with multifamily housing, which is a universal term for any housing that has more than one unit, including apartments, duplexes, and townhomes.

Kentucky Housing Corporation (KHC) funds multifamily development with Low-Income Housing Tax Credits, tax-exempt bonds, and the Affordable and National Housing Trust Fund. Developers use those funds to create housing units for low-income Kentuckians. This year, KHC funded 13 new projects with more than $12.5 million in tax credits as well as $8.5 million in new funding provided by the American Rescue Plan.

In this episode, we speak with Jim King, the president of Fahe, and David Cooper, the president and chief legal counsel of Woda Cooper Companies, to discuss the trends, challenges, and solutions for the problems facing multifamily housing.

Welcome to Bringing It Home, KHC's New Affordable Housing Podcast Jan 19, 2023

Welcome to Bringing it Home with KHC, a podcast exploring the housing industry, trends, and issues facing affordable housing in Kentucky. We hope you enjoy our first episode. After listening, we hope you visit our blog. It highlights stories from around the state, projects we funded, housing initiatives, and people we have helped. It is a one-stop-shop for all things KHC.

Our TOPPODCAST Picks

Follow Us

Stay Connected

Related Podcasts

Links

Stay Connected