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Unemployment Bridge Program (UBP) Relaunch

FRANKFORT, Ky.—Kentucky Housing Corporation (KHC) is pleased to announce that the Unemployment Bridge Program (UBP) reservation window has reopened. Funding is available to eligible Kentuckians who have become unemployed, due to no fault of their own, avoid foreclosure while they seek employment. The terms now allow a maximum assistance of $15,000 or 12 months of mortgage payments. The full $15,000 may be used for reinstatement, if needed.

The U.S. Department of the Treasury recently announced additional funding for the Hardest Hit Fund® (HHF), awarding Kentucky $58M. KHC uses funds from the HHF to fund the Unemployment Bridge Program (UBP).

“Many Kentuckians would not be able to avoid foreclosure, if not for this funding,” said Kathy Peters, executive director of KHC. “The additional funding will allow KHC to continue helping Kentucky families regain stability, to thrive despite adversity.”

This funding should sustain the UBP for two years, and KHC is excited for the opportunity to help more Kentuckians, like Lesia Holder, on a first-come, first served basis.

Shortly after her divorce, Lesia Holder lost her job through downsizing, and keeping her three children in their Fayette County home became her priority. With the help of REACH Inc., a local nonprofit, Lesia received a forgivable loan to help make her mortgage payments for up to 18 months, preserving her home for her family, while she finds new employment. "It has been a blessing beyond words! I never thought I'd have to use a program like this, but life can turn in an instant," said Lesia Holder, from Lexington. “Knowing that staying in their childhood home was a huge issue for my kids, I turned to KHC for help. I have been on the program for a year and I am slowly putting my life back together. It has been a blessing beyond words!”

Unemployed Kentucky homeowners can learn more about the UBP by visiting the Kentucky Homeownership Protection Center website at or calling 866-830-7868. The Protection Center lists participating lenders, explains how the program works, and offers an online application to get started. Even if a homeowner does not qualify for the UBP, there may be other options for help, so all Kentucky homeowners needing assistance are encouraged to contact the Protection Center.

Kentucky Housing Corporation, the state housing finance agency, was created by the 1972 General Assembly to provide affordable housing opportunities.  As a self-supporting, public corporation, Kentucky Housing offers lower-than-market rate home mortgages, housing production financing, homeownership education/counseling, rental assistance, housing rehabilitation and supportive housing programs for special needs populations.
Kentucky Housing Corporation prohibits discrimination on the basis of race; color; religion; sex; national origin; sexual orientation; gender identity; ancestry; age; genetic information; disability; or marital, familial, or veteran status.