Creating Home Ownership

Building Communities

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 Mission Statement

Our mission is to promote, support, and serve as an advocate for the comprehensive efforts of the city of Chattanooga to increase housing opportunities for low to moderate income individuals and families through partnerships with other housing and community development organizations.

 About Us

Chattanooga Community Housing Development Organization (CCHDO) is a non-profit housing development organization whose focus is on the creation of affordable homeownership and revitilization of low to moderate income neighborhoods in the city of Chattanooga, Tennessee. CCHDO was founded in 1992 and has been committed to providing desirable, marketable, and sustainable affordable housing and revitalizing neighborhoods in various communities within the city of Chattanooga.
We believe in and support a comprehensive and integrated approach to community building and reinvestment. Our organization has been able to successfully promote the assets of the communities we serve by attracting human and financial resources from local, regional, and national partners.

 1133 E. 10th Street

 2617 Carr Street

 926 Magnolia

 Executive Staff

Roya Evans, President & Executive Director
JoAnn Ankar, Accounting Director

 Board of Directors

Honorable Manuel Rico, Board Chair
LaMonte Vaughn Sr., Board Co-Chair
Rev. Ron Cook, Treasurer
Dr. Tammy Garland, Secretary
Justin Alper, Director
Judy Schwartz, Director
Mike Neely, Director
Peter Palmer, Director
Anthony Sammons, Director
Peggie Kilpatrick, Director
Maurice Bowen, Board Counsel

 Our Services

Home Ownership

CCHDO custom designs every house to specifications that promote cost effective home construction, lower maintenance, and energy efficiency. We design and build new homes and improve exisiting residences in neighborhoods that are in need of revitilization. 

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Neighborhood Revitilization

Since its inception CCHDO has either developed or rehabilitated over 200 housing units in the city of Chattanooga.

Roofing Program

With the support of the City of Chattanooga, CCHDO offers a roof replacement program for income qualified homeowners who live within the city limits.

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New Homes For Sale

185 North Kelly Street - Under Construction - For Sale $115,000

1400 SQ/FT, Three Bedroom, Two Bath

3710 Pirola Street - Under Construction - For Sale $105,000

1300 SQ/FT, Two Bedroom, Two Bath

Affordable Homeownership

We design and build new homes and improve existing residences in neighborhoods that are in need of revitilization.

Our Program is designed to provide homeownership opportunities for low to moderate income families, revitilize neighborhoods and build healthy communities. We build well designed quality homes that are energy efficient and yet affordable. Some of our partners who assist us in making quality housing affordable include the City of Chattanooga, Chattanooga Housing Authority, Urban League of Chattanooga, Community Impact of Chattanooga, and Chattanooga Neighborhood Enterprise.

Qualified Homebuyers who meet income limit restrictions will be able to purchase our homes at a very affordable price.

Eligibility Requirements:

  1. The buyers who are qualified to purchase our homes must be considered low income. Applicant's income must be at or below the area median income level. (Please call to find out if you qualify)
  2. Applicants must be pre-qualified for a mortgage loan (THDA or comparable) from a reputable lender. (Written proof of pre-qualification is required.)
  3. Applicants must complete a homebuyer education program.


Roof Replacement Program

Do you need a new roof but can't afford to have it replaced?

If you are low income we can help you.

We have grants available through our roof replacement program.


1. Reside in the Chattanooga city limits.

2. Meet HUD Low to Moderate Income qualification (within 80% of area median income).

3. House must be owner occupied.

4. All City and County property taxes must have been paid through the current year.

5. Senior Citizens and disabled homeowners will get priority consideration.

The work will be done by professional contractors who will provide a five year comprehensive warranty on labor, material and installation. The program is through a five year forgivable grant. After five years the total amount of the grant will be forgiven.

We have a limited amount of funding for the roofing program. We will try to help as many people as possible this year. If we run out of money and can't help you this year,  we will put you on the waiting list for next year’s roof replacement program.

For further information and to request an application, please contact us.

Roof Program Examples