COMMUNITY ACTION NETWORK
CAN, Inc. exists to improve the communities in which we serve by offering a variety of services, counseling, hands-on training and education to vulnerable populations.
Safe, affordable housing is the specific, poverty-related need CAN, Inc. is addressing through rental assistance, home repair assistance, counseling, and education.
We serve primarily veterans and persons at risk of becoming homeless in Henry County, Stewart County, Carroll County, Benton County, Houston County and Humphreys County in West and Middle Tennessee.
WHO WE ARE
CAN, Inc. is a non-profit 501c3 organization established in 2005 to promote rural development in rural west and parts of rural middle Tennessee.
WHAT WE DO
As a Neighborworks Certified Housing Counseling agency, CAN offers a variety of educational courses covering topics such as post purchase planning, renter education, financial management, budgeting, and credit counseling.
1. Post-Purchase Home Improvement and Rehabilitation workshops and one-on-one counseling are available covering topics from the “Keeping the American Dream” manual, such as:
A. Non-Delinquency: Home maintenance and financial management for homeowners, including, but not limited to: escrow funds; budgeting; refinancing; home equity; home improvement; utility costs; energy efficient; and rights and responsibilities of home owners. It may also include: loan and grant options; housing codes and housing enforcement procedures; accessibility codes and how to design features to provide accessibility for their dwelling to accommodate disabilities; visibility and universal design; how to specify including actions to address the non-performance of contractors.
B. Resolving or Preventing Mortgage Delinquency or Default: Topics include but are not limited to the consequences of default and foreclosure; loss mitigation, budgeting and credit; restructuring debt; obtaining re-certification for mortgage subsidy; and establishing reinstatement plans. It may also include helping clients affected by predatory lending; foreclosure prevention strategies; explaining the foreclosure process; providing referrals to other sources; and assisting clients with locating alternative housing. The earlier that the housing counselor and lender establishes contact with the client, identifies the cause of default and begins to discuss reinstatement options, the more likely it is that the defaults will be cured and the homeowner will be able to retain ownership. Efforts to assist the client will ideally begin as soon as the loan becomes delinquent. The housing counselor should conduct follow-up housing counseling with client on an as-needed basis until the default is corrected or the mortgage lender completes foreclosure and the client has found alternate housing.
2. One-on-One Counseling Services for the Homeless: We network with several organizations in a 6-county area to assist with medical, prescription, commodities, rehabilitation and more.
MORE ABOUT US
CAN, Inc, a non-profit 501c3 organization, was established in 2005 to promote rural development by providing post purchase and homelessness rental assistance, repair program and veterans programs and increasing the skill and employability of participants through hands-on training in rural west and parts of rural middle Tennessee.
Since its inception, CAN, Inc has rehabilitated over 250 homes owned by low to very-low income families and coordinated more than 200 persons to provide 3,000 hours of volunteer labor.
Safe, affordable housing is the specific, poverty-related need CAN, Inc. is addressing. Many people in our communities are negatively affected by not having adequate housing, resulting in homelessness, substandard housing, and poor health due to the living conditions they have been forced to live in.
The most current research concerning homelessness and substandard housing indicates that poor housing conditions pose many problems for individuals, families, and communities. Inadequate housing has a direct affect on children in school, safety, self concept, healthy, crime, and death. Poor housing conditions also can lead to neighborhoods becoming blighted. Blighted neighborhoods attract crime and decrease the tax base in the community.
Community Action Network, Inc. offers services to six counties in parts of west and middle Tennessee. These counties are all rated very low on the socio-economic scale and have poverty rates that exceed the state and national levels.
A majority of applicants live at or below the federal poverty line and are unable to afford safe housing. Many of the people we serve are living on a fixed income or are in the moderate to very low income bracket. The areas we serve are mostly rural, where employment opportunities are very limited and income levels are low.
As an organization that provides services to low-income families and individuals living in sub-standard conditions or who are homeless, we receive 45-50 applications annually for disability modifications and over 150 applications annually for homeowner repair. Annually, we provide approximately 100 applicants services.