(1) There may be established, as part of the borrower education initiatives established by or through the Kentucky Housing Corporation, a Kentucky Homeownership Protection Center.
(2) The purpose of the Kentucky Homeownership Protection Center shall be to:
(a) Provide a centralized location for information on public services made available by federal, state, or local government or community entities, to assist a homeowner who is in default, or in danger of default, on his or her home loan; and (b) Attempt to assist, any homeowner who contacts the center without cost to the homeowner, with the goal of:
1. Providing a homeowner with information, including toll-free telephone numbers for public services, made available by federal, state, or local government or community entities, including programs such as NeighborWorks and Don't Borrow Trouble, mortgage assistance programs, home repair assistance programs, and utility assistance programs;
2. Determining if the homeowner has contacted his or her lender regarding any default or danger of default; and 3. Providing a homeowner with counseling agencies approved by the United States Department of Housing and Urban Development that may be able to assist the homeowner.
(3) The Kentucky Homeownership Protection Center may enter into an agreement with any public or nonprofit entity to carry out any part of the mortgage foreclosure counseling and education program.
(4) The Kentucky Homeownership Protection Center may solicit contributions and grants from the private sector, nonprofit entities, and the federal government to assist in carrying out the purposes of this chapter.
(5) The Kentucky Homeownership Protection Center shall not, directly or through an entity contracted with in accordance with subsection (3) of this section, make referrals or recommendations to or regarding specific for-profit lenders or mortgage brokers.