Director of Homeownership Services
Candy Ayers
256-260-3108
For those who are in the rental housing market, check out these 5 tips for finding safe and affordable rental housing:
Homebuyer Education
Hear how new homeowner Katie Smith took advantage of available resources to purchase her first home:
Free monthly sessions hosted by a HUD-certified housing counselor for all interested in learning the best way to approach buying a home. Homebuying topics include discussion relating to credit guidance, financial guidance, home selection, mortgage guidance and post-purchase education.
Homeownership Counseling
Comprehensive HUD-certified homeownership counseling services are provided free of charge to home buyers, homeowners and renters - both current and prospective.
Financial Capabilities and Budgeting
Financial capabilities workshops led by a HUD-certified housing counselor 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 held by Director of Homeownership Services Candy Ayers.
Standards of Conduct
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