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Home Team

creating and nurturing homeownership in Appalachia……

Even with today's low interest rates, the dream of home ownership is out of reach for many families. Not because they can't make the monthly mortgage payments - many families already pay as much or more for rent than they would pay with a house payment. The expense of a down payment and closing cost, bad or no credit, the lack of affordable homes in the area and the complicated homebuying process can all prevent potential homeowers from owning a home.

Home team staff members collectively work together towards the advancement of the human aspect of clinch-Powell RC& D’s mission.  The development of efficient and structurally sound housing that remains affordable to those who need it the most.   The home team primarily conducts its day to day activities out of Clinch-Powell’s main office in Rutledge.  And those day to day activities promote the simultaneous operation of multiple housing programs.

  • Construction of quality, affordable homes.
  • Finding permanent financing.
  • Overcoming the barrier of down-payment and closing costs.
  • Help with understanding credit and maintaining good credit.
  • Certified homebuyer education to demystify the homebuying process.
  • Homebuyer counseling and loan packaging to find the best permanent financing.

    If you would like more information about any of these items, please contact us at 1-800-814-6355, email us at, or continue to explore this web site.

    Homebuyer Education and Homeownership Counseling

    The Clinch Powell Home Team is working to make homeownership easier and more affordable by offering homebuyer education classes. If you are planning to buy a home in the near future or would like to explore the idea, please contact us at 1-800-814-6355 or 865-828-5927. To find out more about homebuyer education or homeownership counseling, please click on the link to the left.

    Mortgage Delinquency Counseling

    For most families, a mortgage is their largest debt, so it is easy to fall behind on a mortgage when the family budget gets tight. Clinich-Powell RC&D provides mortgage delinquency counseling to any homeowner who needs it. If dealt with early almost any home can be saved, or at least sold with little damage to the homeowner's credit. But it has to be dealt with early. If you think you are going to miss a payment, contact a HUD-approved housing counseing agency like Clinch-Powell RC&D immediately. The longer you wait, the harder it will be to save your home.

    Building Affordable Single Family Homes

    The RC&D recognizes the need for new, affordable single family homes in our area. See what we are doing to build homes in our area under Home Building and Renovation

    Renovation of current homes

    The Clinch-Powell RC&D is working with USDA Rural Development and the Tennessee Housing Development Agency to provide low-interest loans to homeowners and renters for home repair and/or utility hookups.

    Newly constructed single family home nearing completion

    For more on this, please contact your local USDA Rural Development Office or the RC&D at 800-814-6355.

    We are proud to announce a new program for homeowners in Hancock County. The RC&D has begun a program to help homeowners with unsafe/unsanitary home damage/deterioration by offering low-interest and no-interest loans. If you believe you are interested, please contact the RC&D office.

    Historic Bull's Gap building developed for special needs housing.

    Gilley's Annex in Bull's Gap is open for business, with 6 current residents. To qualify for residency, an applicant must have a special need or disability, must be considered low income and must have enough income to pay rent, or qualify for Section 8. Clinch-Powell has an agreement with Kingsport Housing Authority and Frontier Health to provide Section 8 subsidized housing to Frontier clients.

    Thank you

    The R&D's Housing Programs would not exist without the generous support of local, state and national partners. The following is a partial list of some of the organizations that keep the RC&D going.

  • Tennessee Housing Development Agency
  • US Department of Housing and Urban Development
  • USDA Rural Housing Services
  • Douglas Cherokee Economic Authority
  • US Bank
  • Neighborworks America