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CITY OF BINGHAMTON HOUSING DEPARTMENT | CITY OF BINGHAMTON ADMINISTRATION OFFICES

Provides assistance to income-eligible households through housing rehabilitation programs and first-time home buyer programs. Advocates to eliminate housing discrimination due to race, color, sex, religion, familial status, disability, or national origin.

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SINGLE FAMILY HOUSING DIRECT HOME LOANS | USDA RURAL DEVELOPMENT

Assists very low- and low-income individuals obtain housing in eligible rural areas by providing payment assistance to increase an applicant's repayment ability. Assistance amounty is determined by adjusted family income.

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Family and Individual Support Services | Yates County Veterans Service Agency

Provides assistance for veterans who are having difficulty understanding and/or obtaining the full benefits and services to which they are entitled by law based on service to their country.

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Energy and Housing Services | US Department of Housing and Urban Development - New York Regional Office

Provides subsidized rental assistance, first time home buyers incentive programs, fair housing opportunities and facilitates the housing discrimination complaint process. Provides home ownership assistance for low-moderate income families, offers senior housing information and aid with reverse mortgages, nursing home and hospital assistance, counseling for home buyers, homeowners and tenants, home rehabilitation funds and block grants to communities for economic development and job creation, lead based paint abatement, and Indian housing information.

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Family and Individual Support Services | Schuyler County Veterans Service Agency

Offers assistance to ensure veterans receive all benefits they may be entitled to under Federal and State law for their military service.

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FIRST-TIME HOMEBUYER EDUCATION | CDCLI

Offers Nassau and Suffolk County residents information on first time home buying, down payments, closing cost assistance, competitive first time homebuyer mortgage products, and tips on how to negotiate with a seller. Call for additional information.

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HOMEOWNERSHIP SERVICES | INHS**

* Offers a comprehensive homeownership program for potential homeowners that includes down payment and closing cost financial assistance, one-on-one financial counseling and home buyer education courses. Home Buyer Education classes for any potential homebuyer or current homeowner Offers up to $20,000 for down payment assistance and closing costs to those who live or work in the service area. Offers HUD-certified Counseling for homebuyers regardless of income, can help with mortgage qualifying and strategy including: credit, income, debt, etc.

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SINGLE FAMILY AND MULTI FAMILY HOUSING HOME LOANS | UNITED STATES DEPARTMENT OF AGRICULTURE RURAL DEVELOPMENT SERVICES

*Assists low income applicants obtain decent, safe and sanitary housing in eligible rural areas by providing payment assistance to increase an applicant's repayment ability.
  • Payment assistance is a type of subsidy that reduces the mortgage payment for a short time.
*Provides competitive financing for affordable multi-family rental housing for low income, elderly or disabled individuals and families in eligible rural areas.

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Home Ownership Program | Sheen Housing Rehab Office

Provides up to $3,000 in assistance with closing costs through a loan that must be repaid for first time home buyers. Also offers HUD approved housing counseling including homebuyer counseling, reverse mortgage counseling to seniors, and foreclosure prevention programs.

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First Time Homebuyer Assistance Program | Ithaca Neighborhood Housing Services

A comprehensive homeownership program for hopeful homeowners that includes down payment and closing cost financial assistance, one‐on‐one financial counseling and homebuyer education courses.

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First Time Homebuyer Assistance Program | Ithaca Neighborhood Housing Services

A comprehensive homeownership program for hopeful homeowners that includes down payment and closing cost financial assistance, one‐on‐one financial counseling and homebuyer education courses.

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STATE OF NEW YORK MORTGAGE AGENCY | STATE OF NEW YORK MORTGAGE AGENCY

Provides financing and programs designed for first-time low and moderate income home buyers in New York State. Partners with approved participating mortgage lenders across the state to offer 30 year, competitive, fixed rate mortgages with special features to help low and moderate income New Yorkers become homeowners. Enables active duty U.S. military personnel to buy their first home or move to a different home through the Homes for Veterans Program. Offers down payment assistance in conjunction with SONYMA financing.

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Foreclosure Prevention | ACCESS Center Support Services - Belmont Site

Provides consultation of options to homeowners who are behind on the mortgage or at risk of foreclosure.

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Housing and Community Facilities Programs (HFCP) | USDA Rural Development - Western Region - Bath Service Center

Provides home ownership opportunities to low- and moderate-income individuals through several loan, grant, and loan guarantee programs. Funding may be available for single family homes, apartments for low-income persons or the elderly, housing for farm laborers, and community facilities such as childcare centers, fire and police stations, hospitals, libraries, nursing homes, schools. The programs also make funding available to individuals to finance vital improvements necessary to make their homes decent, safe, and sanitary.

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Governmental Community Services | New York State Division of Veterans Counselors - Chemung

Provide assistance for veterans who are having difficulty understanding and/or obtaining the full benefits and services to which they are entitled by law based on service to their country.

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Energy and Housing Services | US Department of Housing and Urban Development - Buffalo Field Office

Provides subsidized rental assistance, first time home buyers incentive programs, fair housing opportunities and facilitates the housing discrimination complaint process. Provides home ownership assistance for low-moderate income families, offers senior housing information and aid with reverse mortgages, nursing home and hospital assistance, counseling for home buyers, homeowners and tenants, home rehabilitation funds and block grants to communities for economic development and job creation, lead based paint abatement, and Indian housing information.

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Energy and Housing Services | Community Resource Center

Provides HUD approved educational programs, grants for modest income individuals and families to purchase their first home. Assistance may also be available to income qualified homeowners to make home repairs. Operates 52 rental units for modest income families. Also provides outreach, including foreclosure counseling.

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Housing and Community Facilities Programs (HFCP) | USDA Rural Development - Western Region - Canandaigua Service Center

Provides home ownership opportunities to low- and moderate-income individuals through several loan, grant, and loan guarantee programs. Funding may be available for single family homes, apartments for low-income persons or the elderly, housing for farm laborers, and community facilities such as childcare centers, fire and police stations, hospitals, libraries, nursing homes, schools. The programs also make funding available to individuals to finance vital improvements necessary to make their homes decent, safe, and sanitary.

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Family and Individual Support Services | Allegany County Veterans Service Agency

Provides assistance for veterans who are having difficulty understanding and/or obtaining the full benefits and services to which they are entitled by law based on service to their country.

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Family and Individual Support Services | Allegany County Veterans Service Agency

Provides assistance for veterans who are having difficulty understanding and/or obtaining the full benefits and services to which they are entitled by law based on service to their country.

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Energy and Housing Services | Keuka Housing Council

Provides HUD approved educational programs, grants for modest income individuals and families to purchase their first home. Assistance may also be available to income qualified homeowners to make home repairs. Operates 52 rental units for modest income families. Also provides outreach, including foreclosure counseling.

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FIRST MORTGAGE LOANS | HOME HEADQUARTERS

Offers first mortgages to qualified first-time buyers looking to purchase a home in Onondaga County. Mortgages can be coupled with $5,000 in down payment and closing cost assistance if home buyer is eligible.

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MORTGAGE DELINQUENCY AND DEFAULT COUNSELING | NEW YORK STATE OFFICE OF THE ATTORNEY GENERAL

Provides services to aid in foreclosure prevention, tax foreclosure, mortgage payments, predatory lending or other related foreclosure issues.

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LEGAL SERVICES - TOMPKINS AND TIOGA | LEGAL ASSISTANCE OF WESTERN NEW YORK, INC.

Provides legal aid assistance to low-income individuals in civil cases ONLY, regarding housing, eviction, utility shut-offs, foreclosure defense, public benefits including public assistance, SNAP/food stamps, Medicaid, Social Security and SSI, unemployment insurance benefit, wills, power or attorney/health care proxies.

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