Knoxville Area Urban League


Own: Housing Services and Community Development




Adequate and affordable housing is a primary need for economic stability.

Every adult in America should have access to the financial security that comes from owning a home.

Having problems making mortgage payments or foresee a problem in the future? We know that this can be a stressful and confusing time. We hope that it will give you peace of mind to know that the Urban League is here to help – for free.  Our home ownership counselors are professionals in housing counseling and foreclosure prevention and trained to set up a plan of action designed just for you and your situation. Don’t delay! The sooner you seek help, the greater the likelihood of a successful resolution. To start the process, call 865-524-5511

Foreclosure Workshop –

Housing Orientation sessions provide an opportunity for clients who are having challenges with their mortgage to learn more about the various foreclosure prevention options available. These sessions are typically the first step in the Urban League’s counseling process and are the first and third Thursday of every month. On the first Thursday of the month, the workshop begins at 11:00 a.m. and ends at 12:00 p.m. On the third Thursday of the month, the workshop begins at 5:00 p.m. and ends at 6:00 p.m. Pre-registration is required. For those in need of the default mortgage application please click here.

Principal Reduction Recast Program with Lien Extinguishment (PRRPLE):

This program is for qualifying homeowners who are facing financial hardship, through no fault of their own, which resulted in a loss of income due to the death of a spouse, divorce or underemployment.

The goal of the program is to reduce delinquencies and foreclosures by lowering mortgage payments to affordable levels for homeowners who have encountered a financial burden due to an eligible hardship, including but not limited to homeowners who are living on social security, long-term disability or other fixed income source.

The application portal will open on March 1, 2017. For more information please visit

Home Ownership Workshop –

Offers comprehensive education and counseling to prepare families who want to purchase a home. The workshops cover the details in selecting, purchasing, financing and maintaining a home. The workshop meets all requirements for FHA & THDA loans, and Down Payment Assistance from the City of Knoxville or Knox County. Classes are offered as a one-session workshop the first Saturday of the month from 9:00 a.m. to 5:00 p.m. Training fee of $99.

HHF Down Payment Assistance –

THDA recently announced the HHF Down Payment Assistance Program for home buyers in the following zip codes: 37912, 37914, 37917, 37921, and 37924.

How it works: If you qualify for a Great Choice Home Loan, you can apply for a $15,000 to assist with down payments and closing costs. If you are approved, the $15,000 comes in a forgivable second mortgage with 0% interest and no monthly payments for the 10 year term. For more information click here.

How we can help: As you are applying for your home, we offer a First-Time Home Buyers Workshop (Home Ownership Workshop) which will assist you in meeting all requirements for the FHA and THDA loans. We can also assist you in filling out the HHF Down Payment Assistance Application.

eHOME America 

eHome America works closely with certified counseling agencies to help homebuyers and homeowners. The courses offered here have been professionally created, reviewed by various agencies, and certified by governing bodies. When going through a course, you will be connected with an agency you are already engaged with, or with an agency providing the requested service locally, your local partner. Counselors from the agency will communicate with you as needed to complete your education and help with any additional needs you have. Most agencies will require a follow up session before issuing the certificate of completion.

We are proud to be a Certified eHome America Agency.  Click on the following link for further information.

Financial Education Course

This three-session workshop helps participants understand their spending habits and make wise spending choices so that they can save money and meet long-term goals. Classes are held on Tuesday evenings from 5:30 p.m to 7 p.m.

The Urban League is a HUD approved non-profit counseling agency; in 1971 we became the first non-profit agency in Tennessee to be so designated. Today, our counseling program is well recognized throughout the state of Tennessee for the quality of work we do and the outcomes we achieve.

In 2008, we were one of 24 nonprofit agencies selected by the Tennessee Housing Development Agency to participate in the federally funded National Foreclosure Mitigation Counseling Program enacted by Congress to provide counseling to homeowners facing foreclosure.

In 2009, the National Urban League designated the Knoxville Area Urban League as a Gold Star Homeownership Center. We were one of only eight affiliates out of 100 selected for this designation – the result of our 38 years of experience and performance as a HUD certified Housing Counseling Agency.

Core programs:

  • Pre-purchase Housing Counseling
  • Homebuyer Education
  • Budget and Credit Counseling
  • Fair Housing Education
  • Foreclosure counseling
  • Renters’ Rights
  • Mortgage assistance

Housing programs are funded in part by:

Affordable Housing Trust Fund of East Tennessee Foundation with support from the City of Knoxville
Bank of America
Clayton Family Foundation
National Urban League
State Farm Foundation
Tennessee Housing Development Agency (THDA)
United Way of Greater Knoxville
U.S. Department of Housing and Urban Development (HUD)
Wells-Fargo Home Mortgage

For additional information, contact Felix Harris at fharris@thekaul.orgContact by phone at 865-524-5511.

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