Homeownership Services


The Community Partnership of North Alabama is a HUD-certified counseling agency offering advice on buying a home, renting, defaults, foreclosures, and credit issues.

Candy Ayers

Candy Ayers

Director of Homeownership Services


50 Years of Housing Counseling

50 Years Strong

Since 1968, the HUD Housing Counseling Program has been committed to the needs of home-buying consumers and its legions of stakeholders. The Housing Counseling Program provides a comprehensive array of invaluable information, education, and resources, including but not limited to the following:

  • Resources and information to consumers and stakeholders at every stage of the housing process

  • Do-it-yourself workshops and classes to help maintain and improve your biggest investment

  • Guidance to help homebuyers avoid default and foreclosure

  • Training, tools, and promotional materials designed to assist HUD-approved housing counseling agencies in providing their vital services


Homebuyer Education

Hear how new homeowner Katie Smith took advantage of available resources to purchase her first home:

Free monthly sessions with counseling services from a HUD-certified agency for all interested in learning the best way to approach buying a home.  Homebuying topics include discussions relating to credit guidance, financial guidance, home selection, mortgage guidance and post-purchase education.

Homeownership Counseling

Comprehensive homeownership counseling services from a HUD-certified agency are provided free of charge to home buyers, homeowners and renters – both current and prospective.  

Financial Capabilities and Budgeting

Financial capabilities workshops hosted by a HUD-certified agency are held in the communities that we serve in Cullman, Lawrence and Morgan Counties.  A focus is placed on financial guidance relating to creating a spending plan by using the Money Management Calendar to track spending and develop an obtainable budget.  Workshops are led by Director of Homeownership Services Candy Ayers.

Standards of Conduct 

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