Community Action Partnership of North Alabama


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.

Director of Homeownership Services

Candy Ayers

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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.

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Homeownership Counseling

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

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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.

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Standards of Conduct 

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Code of Conduct