Prevention

Preventing abandonment and blight is a key component of Louisville Metro’s vacant and abandoned property strategy. To support its aim of keeping as many Louisvillians in their home as possible, Louisville Metro Government offers foreclosure prevention, emergency home repair, weatherization and lead remediation services.

Foreclosure Prevention - If you are in danger of losing a home to foreclosure, help is available. Louisville Metro Government has partnered with the Kentucky Homeownership Protection Center, which runs a government-authorized foreclosure prevention hotline – Protect my Kentucky Home (1-866-830-7868). The staff at the Kentucky Homeownership Protection Center can assist you with your case, connect you with a free housing counselor or, in certain instances, refer you to legal services available to eligible low-income homeowners. Special assistance is also available for those who have recently experienced a job loss or reduction in income.

The Foreclosure Conciliation Project - If you have recently received a Foreclosure Complaint, you may enroll in the Foreclosure Conciliation Project, which will require your lender to meet with you and discuss alternatives to foreclosure. The Kentucky Homeownership Protection Center can help you fill out the necessary forms to set up a Conciliation Conference. For more information, you can also attend a foreclosure clinic held by the Legal Aid Society office – call Legal Aid at (502) 584-1254 to reserve your spot.

Live/Work Checklist – Louisville Metro has created a checklist as a guide to help lead you through the process of establishing a live/work space in an existing building, rehabilitating it to meet your needs, and opening your business in Louisville, Kentucky.

Property Tax Help – It is of critical importance to pay your property taxes by December 31 of each year. Failure to do so may result in a third-party lien on your property, as well as the accumulation of additional fees and interest. If you are having trouble paying your property taxes, you may apply for a payment plan with the Jefferson County Attorney’s Office. You may also be eligible for the Homestead and/or Disability Exemption, which will reduce your property tax liability.

Assessment Moratorium Program – The Assessment Moratorium Program provides an incentive for making improvements to qualifying residential and commercial properties by providing a 5-year moratorium on some of the local tax assessment increases that would result from the improvements.

Affordable Housing Development Program – Find information on available funding and guidelines for Louisville Metro’s rental, homeownership, and lease-purchase production programs.  Each year, Louisville Metro Government receives funding allocations from the HOME Investment Partnership (HOME), Community Development Block Grant (CDBG), and other programs from the U.S. Department of Housing and Urban Development (HUD). The Department of Housing and Community Development manages most of these allocations to expand the supply of affordable housing and support neighborhood revitalization.

Lead-Safe Louisville Project – Was your home built before 1978? If so, you and your family may be exposed to lead-based paint. Dust from lead-based paint is especially hazardous to children and places them at risk of developmental, attention and learning disorders. The Lead-Safe Louisville Project provides a free inspection and risk assessment for qualified property owners. If lead hazards are found on the property, the LSL Project can provide funds for remediation. In addition, each child under 6 years of age living in the home or visiting the home over 6 hours a week can receive a free blood lead screening test.

Weatherization Assistance Program – The Weatherization Program provides grants to low-income residents to help make their homes more energy-efficient and lower utility bills. Please note that there is currently a waiting list to receive this assistance.

LG&E also offers home energy rebates that can offset the cost of purchasing certain ENERGY STAR qualified appliances, high-efficiency HVAC systems and qualified window film. For more energy saving tips, you can also visit LG&E’s Energy Efficiency website.

Emergency Repair Program – The Emergency and Exterior Repair Program provides assistance to low income homeowners who need emergency repairs on their home.

Lots of Possibility – The Lots of Possibility competition was launched in 2014 to seek community input on ways to take eligible vacant lots owned by the Louisville and Jefferson County Landbank Authority and the Urban Renewal Commission and put them into productive use. More than 100 applications were received from individuals and community groups, which were narrowed to 12 finalists.