Housing Program

The Southeast Tennessee Development District’s (SETDD) housing program is funded through grants from Tennessee Housing Development Agency (THDA). We provide technical assistance and grant writing to the communities in our ten county region. We also assist in the development of non-profit organizations who are interested in low income housing in our area.

HOME Program

These are federal funds awarded through a THDA State-wide competitive process. The program goal is to bring substandard housing into compliance with HUD housing quality standards as well as local building codes. Examples of eligible work may include plumbing, electrical, foundations, roof replacement or repairs, handicap accessibility, windows and door replacements. These forgivable grants are awarded as a grant to low income homeowners who live in the home.


For more information, please contact Katie Kortekaas at (423) 424-4293 or by email at kkortekaas@sedev.org.


THDA Public Notices

Now Accepting Public Comments on the 2024-2025 Annual Action Plan

March 18 – April 18, 2024

The Tennessee Housing Development Agency (THDA), on behalf of the State of Tennessee, is seeking comments on the 2024-2025 Annual Action Plan, which designates how the State will operate the CDBG, HOME, HTF, ESG, and HOPWA programs in the coming fiscal year. This document also serves as the application to the U.S. Department of Housing and Urban Development (HUD) for an estimated $60 million to carry out these housing and community development activities in Tennessee. The draft plan will be posted on https://thda.org/research-reports/consolidated-planning from March 18 to April 18 for public review and comment, along with details for a public hearing on Monday, April 15, 2024. An overview in English and Spanish will also be available.

For questions and accommodation requests, please email research@thda.org.


Aceptando Ahora Comentarios del Público sobre el Plan de Acción Anual 2024-2025

18 de marzo – 18 de abril de 2024

La Agencia de Desarrollo de Vivienda de Tennessee (THDA), en nombre del Estado de Tennessee, está buscando comentarios sobre el Plan de Acción Anual 2024-2025, que designa cómo el Estado operará los programas CDBG, HOME, HTF, ESG, y HOPWA en el próximo año fiscal. Este documento también sirve como la solicitud al Departamento de Vivienda y Desarrollo Urbano de Estados Unidos (HUD) para un estimado de $60 millones para llevar a cabo estas actividades de vivienda y desarrollo comunitario en Tennessee. El borrador del plan se publicará en https://thda.org/research-reports/consolidated-planning del 18 de marzo al 18 de abril para que el público pueda revisarlo y hacer comentarios, junto con los detalles para una audiencia pública el 15 de abril de 2024. Un resumen en inglés y español también estará disponible.

Para preguntas y solicitudes de adaptación, envíe un correo electrónico a research@thda.org.

Additional Housing Resources:

Tennessee Housing Development Agency (THDA)

As the State’s housing finance agency, the Tennessee Housing Development Agency (THDA) is a self-sufficient, independently funded, publicly accountable entity of the State of Tennessee. THDA’s mission is to meaningfully expand safe, sound, affordable housing opportunities for low and moderate income Tennesseans as the state’s leading resource. For more information on THDA visit the site at https://thda.org

THDA Programs

THDA offers a range of programs for homebuyers, homeowners and renters. Check out the programs offered. https://thda.org/programs

Great Choice Home Loans

Great Choice is a 30-year, fixed interest rate home loan available through private banks and lenders. These loans focus on first-time homebuyers, U.S. military veterans, and homebuyers in targeted areas. Down payment assistance may also be available. https://thda.org/homebuyers

Tennessee’s Free Housing Locator

This is a THDA-sponsored, free online resources for locating and advertising available rental property and other resources for renters. http://tnhousingsearch.org/

THDA Research and Planning

For statewide and county-based information about housing and housing affordability, check out THDA’s Research and Planning publications to gain insight into the state’s housing market and THDA’s impact on affordable housing.  https://thda.org/research-reports


Chattanooga Neighborhood Enterprise

Recent changes have been implemented to the Hardest Hit Fund mortgage payment assistance program. The Chattanooga Neighborhood Enterprise (CNE) now has the unprecedented ability to help more homeowners keep their homes from foreclosure.

Help includes:

  • Increase in financial assistance per household
  • Expanded eligible hardships (unemployment, underemployment, short term and long term disability, divorce, deceased spouse)
  • Removal of escrow restrictions
  • Increase in maximum household income limit
  • Increase in maximum principle balance limit
  • Decrease in paperwork
  • Improvement in turnaround time from THDA (average less than 3 weeks)
  • Any many other improvements

For assistance, please contact the CNE’S FORECLOSURE PREVENTION HOTLINE AT (423) 664-4663

Additional Links

USDA Rural Development Housing Repair and Rehabilitation


For more information on Rural Development programs contact the Rural Development Area Office in Chattanooga at 423-756-2239 or toll free at 800-342-3149.

United Cerebral Palsy Housing Modification and Ramp Program

Application: http://www.ucpnashville.org/HomeAccess/WheelchairRampApplication.pdf

Information: http://www.ucp.org/resources/housing/home-modification