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

TRIP offers housing counseling services free of charge for purchase, default, foreclosure prevention and mortgage counseling.

Provides home buying education classes for families interested in buying a home. Topics include understanding the process, developing a budget, and different types of mortgages.

* 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.

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.

* Provides comprehensive Housing Counseling from HUD Certified Counselors, Housing Education, Foreclosure Prevention Education and no-interest closing cost loans to low-income families, seniors, veterans and persons with disabilities to assist them in purchasing their own home.* All services and programs subject to availability of funding.

Comprehensive training in purchasing a house for low- and moderate-income first-time home buyers, including: establishing good credit understanding home financing working with a realtor how house inspections work understanding documents signed at closingthrough traditional classroom setting; four weekly, two-hour sessions with guest speakers online through eHomeAmerica with videos and self-tests, enabling individuals to complete the program at home at his or her own paceOne-on-one counseling on topics from credit counseling to home maintenance.Residents of Cayuga, Chemung, Cortland, Schuyler, Seneca, Tioga, and Tompkins.Offers assistance with down payments; homebuyer education required.

* 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.

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

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

* 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

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.

*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, pre- and post-purchase/homebuyer counseling, foreclosure prevention/default counseling and closing cost assistance.

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.

* Provides HUD Section 8 rental payment assistance and home ownership options to low income households in New York State. Rental assistance for homeless veterans with case management and clinical services provided by the U.S. Department of Veterans Affairs (VA). Enables families having a person with disabilities to lease affordable private housing of their choice. Assists families whose lack of adequate housing is a primary reason for the imminent placement of the family's child(ren) in out-of-home care, or in a delay in the discharge of the child(ren) to the family from out-of-home care. Assists PHAs with relocation or replacement housing needs that result from the demolition, disposition, or mandatory conversion of public housing unit.

* 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 a number of programs and services to help farmers, low income individuals and families, and the working poor to access affordable housing.

Provides rental assistance through Section 8 Housing for families to reside in clean, decent and affordable housing.Apartments available for disabled, seniors and veterans.

* Provides home owner services to first time homebuyers as well as current homeowners. Tenant Education, including information on tenant rights and resources. Guidance for senior homeowners, including counseling on Home Equity Conversion Mortgages. Foreclosure prevention. Homeowner repair grants information (Housing council doesn't provide grants but can help in finding information).* Offers landlord services such as courses to help better manage their properties and Paint lead safety, provides free and low cost publications and forms to help them manage relationships with tenants.* Schedules inspections for Landlords accepting LTSA's (Landlord Tenant Security Agreement). * Offers information and referral hotline for homeownership and rental related questions.* Provides a rental registry with available housing units for rent. The list is updated every Tuesday and Thursday and is available on the website. The registry cannot be mailed.* Member of the Healthy Homes Partnership.* Additional information on current programs available on agency website. Does not provide financial assistance for rent or security deposit.

Assists persons/families in wide range of housing-related services such as pre-purchase counseling for home buyers, pre-rental, rental delinquency, mortgage default, post-occupancy, reverse mortgages, and money management counseling.

Assists low-income individuals and families with first time homeownership.

TRIP offers pre and post purchase housing and financial programs and services to assist first time home-buyers and current homeowners to be successful over the long term. Services include individual housing and financial counseling, home-buyer education classes, foreclosure prevention services, landlord training, home repairs, and more.

* Offers consumer education and counseling for money and debt management. Debt management and consolidation Bankruptcy counseling Budget and credit counseling Financial education Foreclosure prevention counseling Reverse mortgage counseling Mortgage delinquency and default resolution counseling First-time homebuyer counselingRental counseling* Offer assistance to help low-to moderate-income clients qualify for affordable car loans with local lending partners through, Driven2Success program.

* 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.