HONK is a faith-based, nonprofit organization with over 30 years of success in guiding families and individuals on the path to homeownership. HONK uses a lease-to-own program to help residents work toward homeownership while living in their home.

HONK serves Kenton, Campbell, and Boone counties in Northern Kentucky with an emphasis on the urban core of Covington, Newport, Ludlow, Dayton, and Bellevue. Recent efforts have expanded our reach to Erlanger and Elsmere.

With support from our volunteers and partners, HONK builds and rehabilitates homes to create affordable homeownership opportunities for HONK clients. Once accepted to our program, HONK clients prepare to become homeowners while living in the home they plan to buy. They make monthly lease payments to HONK. A small part of their payment is set aside to help with the purchase of their HONK home. 

• Homeownership process
• Working household budget
• Improving credit
• Understanding utility costs and maintenance expectations

Some people come to HONK ready to purchase. For most, the process takes 12-18 months.

While in the lease-to-own program, residents are responsible for regular maintenance of the home (shoveling snow, mowing lawn, changing furnace filters, etc.). All major systems of the house and its structure is HONK’s responsibility. 

To learn about qualifications for the lease-to-own program, visit our Apply page.

Community partners are schools, churches, or other civic organizations that contribute to HONK by donating their time, members, money, or other resources to support our effort to build and rehab homes.