Past & Present Housing Initiatives

For over 30 years, Creative Compassion, Inc. has striven to meet the housing needs of our local, rural community in the Upper Cumberland.

Some of the initiatives we have been a part of:

Affordable Housing – New Home Construction
New Homes:  We build approx. 3-5 new homes per year for low-income home buyers.  These homes are Energy Star rated for energy efficiency.  For the last 4 consecutive years, our homes have attained the best ranking level Energy Star homes can have!  This saves home owners money on utilities and helps our environment by conserving resources and energy.

Mortgage Financing
Since 2017, our staff has been certified to help potential home buyers get approved for a home loan with the United States Department of Agriculture (USDA).  We also have a state licensed mortgage loan originator who has broadened the available loan choices we offer to include USDA, FHA, VA, and even some conventional options!

Any loan option we have is going to be non-predatory and affordable with competitive, fixed interest rates.

Home Repair 
Since 2009, our agency has seen the need to help local home owners pay for their home repairs.  Through a partnership with United Fund of Cumberland County, we have been able to offer a no-interest home repair loan option for home owners in Cumberland County.  Currently, we have access to several home repair payment assistance options – some are no pay back grants, while others are low-to-no interest loans.

Utility Assistance
We have funds available to help Cumberland County families pay their rental and utility bills up to 2 months.

COVID-19 Response
Our agency applied for $35,500 in grant funds through the State of Tennessee.  We were awarded these funds to help public schools in Cumberland & Fentress counties fight the spread of COVID-19.  Through the work with volunteers and school administration in both counties, we were able to supply 17 schools with various supply requests, including: 6,825 mask lanyards & reusable water bottles, 240 touchless hand sanitizer dispensers, over 2,000+ AAA batteries, ADA-compliant water bottle refill stations, desk cough guards, and backpack sanitizer sprayers.  These supplies helped 10,000 students and school staff fight against the public spread of the COVID-19 virus.

We currently do not manage any rental properties.  However, we have contributed in other ways:  we helped develop 3 affordable housing rental buildings, each with multiple living units, in partnership with Crossville Housing Authority, who now manages them.

New Programs
Because we are not tied to a national nonprofit corporation, we are able to focus locally, in real time, where our community needs the most assistance.  Currently, we are assessing new ways we could help Cumberland and the surrounding counties.  If you have a idea, please consider emailing the Executive Director at

Learn more about our current services by looking at our Services page.