* Offers the Home Ownership Program (HOP)* Offers Financial Fitness* Offers an 8 hour class in preparation for first home purchase, online or in person.* Offers post-purchase classes for homeowners

* Offer home ownership counseling and credit counseling to first time home buyers.* Provides comprehensive foreclosure prevention counseling.* Offers financial literacy classes.

Emergency Housing Provides comprehensive services to at-risk and homeless households to promote retention and maintenance of safe, affordable housing, access to support services and provides case management.Housing Services Provides housing education, counseling, and budgeting guidance for renters, homeowners and potential homeowners.Transitional Housing Provides supports and financial assistance to victims who have become homeless as a result of fleeing an abusive situation.

Vulnerable people are able to obtain and maintain safe and affordable housing.The Apartments at Country Farm1023 NYS Rte 38Owego, NY 13827 607-687-0707Long Meadow Senior Housing5 Browns LnOwego, NY 13827607-687-5554Nichols School House Apartments84 Cady AveNichols, NY 13812607-699-0524Springview Senior Housing80 Spring St Waverly, NY 14892607-565-4812

Provides housing counseling services, including homebuyer education, home maintenance education, mortgage default/restructuring counseling, tenancy/fair housing counseling, HECM counseling, and financial literacy budget/debt counseling.

* Offers down payment and closing cost assistance.* Assists with housing rehabilitation for owner-occupants of one to four family houses. Part of rehabilitation loan program House inspection and job cost estimate Written specifications and bid process Advisement in selection of contractors* Offers affordable loan financing and counseling for housing rehabilitation and home improvement loans for non-bankable owner-occupants.* Offers HUD-certified housing counselors on staff to offer free Foreclosure Prevention counseling.

* Provides information on buying a home, renting, foreclosure, credit issues and reverse mortgages.

homebuying home ownership home refinancing HUD homes for sale and how to buy one rental assistance programs relocation, foreclosure and eviction services for the homeless housing discrimination

* Helps first-time homebuyers learn the basics of the purchase and coordinate resources, such as down payment grants and affordable mortgage options. Regardless of what lender is being worked with.* Offers education, one-on-one counseling, and possible financial assistance towards purchasing a new home.

The Housing Voucher Program offers rental assistance to eligible low to moderate income families and individuals who want to reside in Chenango County and help them gain safe and adequate housing.Monthly rental payments are provided based on the family size and income. Also, all rental units for the Housing Choice Voucher Program must meet HUD housing quality standards for the occupant's health and safety. The Housing Choice Voucher Program has a wait list (18-24 months) and applicants are encouraged to apply as soon as possible to start the process.

Offers rental assistance, homeownership counseling, and housing rehabilitation. Housing repair assistance. Processes HUD Section 8 Rental applications.

Offers information and referral on housing options in Broome County, including counseling for first-time home buyers, homeowners in default, budget and credit counseling, rental counseling and rental relocation.

homebuying home ownership home refinancing HUD homes for sale and how to buy one rental assistance programs relocation, foreclosure and eviction services for the homeless housing discrimination

*Provides information, assistance, referral and support for individuals with issues relating to housing. Services include:

• Finding appropriate housing including providing listings of rental units
• Maintaining housing including assistance accessing home improvement programs
• Assistance completing subsidized housing applications
• Accessing rent assistance programs
• Eviction and foreclosure prevention (Does not provide legal advice)
• Locate emergency housing
• Understanding fair housing and residents rights
• Workshops on housing issues
• Enroll in home buying programs

* Provides housing counseling and education services including:Renter counseling: Fair Housing, Tenant rights & resources.Home purchase workshops and counseling.Default & Foreclosure prevention.New homeowner counseling.USDA 502 Direct Mortgage Loan Packaging.

Our goal is to help individuals and families move on from homelessness into a position of safe, affordable, and stable quality housing. Our team offers specific counseling in areas that our clients desire and qualify for, so they can achieve independence in the housing placement of their choosing.

* Provides a variety of services to ensure that residents, regardless of income, are able to sustain safe and affordable housing. Foreclosure Prevention Services - Homeowners delinquent in their mortgage payments or in jeopardy of foreclosure can receive counseling to examine their budget, explore their options and establish an action plan. Certified Counselors assist with setting up repayment plans, loan modifications, short payoffs and deed in lieu of foreclosure. There is no fee for these services. Online Homebuyer Education Classes - Provides classes online through eHome. Upon completion clients will schedule a short session with an Agency housing counselor to answer any remaining questions and receive their certificate. Rental Counseling - Provides assistance in securing rental housing or negotiating issues with their current landlord. Credit Counseling.

Offers one-on-one pre-purchase housing counseling to assist potential homebuyers through the entire process. Assists with credit counseling, credit repair, connecting with a real estate agent, finding the right lawyer, securing the best mortgage product, applying for any appropriate grant programs and post-purchase follow-up. Offers three 2-hour pre-purchase education sessions focusing on readiness to purchase, the purchase process and what it means to be a homeowner.

* Provides pre-purchase and post-purchase counseling classes in home ownership, maintenance and upkeep for home ownership; and First Time Home Buyer Counseling.

Provides housing counseling services, including homebuyer education, home maintenance education, mortgage default/restructuring counseling, tenancy/fair housing counseling, HECM counseling, and financial literacy budget/debt counseling.

Offers an eight-hour homebuyer education course to provide information for individuals looking to buy a home.

* Provides housing counseling and education services including:Renter counseling: Fair Housing, Tenant rights & resources.Home purchase workshops and counseling.Default & Foreclosure prevention.New homeowner counseling.USDA 502 Direct Mortgage Loan Packaging.

* Provides financial education and housing counseling for those thinking about buying their first home or entering homeownership again, currently owning a home, or trying to get a handle on finances.

Provides guidance and education in the areas of pre-purchase, homebuyer education, delinquency/default, loss mitigation, rental housing, fair housing, and non-delinquent post-purchase issues.

Pre purchase counseling. All aspects of purchasing a home as well as what to expect as a homeowner will be discussed.