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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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HOUSING COUNSELING | TROY REHABILITATION AND IMPROVEMENT PROGRAM (TRIP)

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

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HOUSING DEPARTMENT | SPANISH ACTION LEAGUE OF ONONDAGA COUNTY (LA LIGA)

Provides referrals and general information regarding housing. Offers counseling regarding home ownership, negotiations between tenants/landlords and housing grievance complaints, eviction prevention, housing publications, assistance in obtaining rental subsidies, and housing court assistance.

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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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HOMEBUYER EDUCATION PROGRAM | WESTCHESTER RESIDENTIAL OPPORTUNITIES (WRO) - WHITE PLAINS

One to one financial counseling for first-time homebuyers, including how much of a mortgage is affordable, understanding closing costs, resolving credit issues, and how to select a real estate agent, lawyer, mortgage lender and other professionals. Counselors will link prospective first time homebuyers with sources of down payment assistance. Workshops scheduled periodically at various locations throughout the county.

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HOME BUYER PRE-PURCHASE EDUCATION | PATHSTONE - NEW YORK

Provide education about the home buying process and wealth and asset building, enabling them to move toward a successful purchase of safe and affordable housing.

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HOUSING COUNSELING | ADIRONDACK ROOTS

Provides comprehensive housing counseling services to residents free of charge.

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NEIGHBORHOOD PRESERVATION PROGRAM | LA FUERZA UNIDA, INC.

Provides outreach, crisis intervention, housing counseling, benefits advocacy, tenant/landlord mediation, representation in administration proceedings with government agencies, home ownership counseling and translation.

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HOME BUYER PRE-PURCHASE EDUCATION | PATHSTONE - NEW YORK - SULLIVAN COUNTY MONTICELLO

Provide education about the home buying process and wealth and asset building, enabling them to move toward a successful purchase of safe and affordable housing.

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DEFAULT AND FORECLOSURE PREVENTION COUNSELING | LONG ISLAND HOUSING PARTNERSHIP

Offers financial counseling for homeowners who are facing default/foreclosures on a primary residence mortgage. Counselors work with the client and the mortgage to arrange a mutually agreeable and realistic payment plan, when possible.

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HOMEBUYER EDUCATION PROGRAM | NEIGHBORS OF WATERTOWN

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

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Home Ownership Assistance Program | ACCORD Corporation (Admin)

Provides home buyer counseling and ownership readiness training to improve affordable home ownership opportunities to low-moderate income individuals and families.

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TRIP HOMEOWNERSHIP CENTER | TROY REHABILITATION AND IMPROVEMENT PROGRAM (TRIP)

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.

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UNITED STATES, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT - BUFFALO FIELD OFFICE | UNITED STATES, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT

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

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PRE-PURCHASE HOUSING EDUCATION AND COUNSELING | BETTER COMMUNITY NEIGHBORHOODS INC.

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.

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HOUSING INFORMATION AND REFERRAL - METRO INTERFAITH | METRO INTERFAITH HOUSING MANAGEMENT

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.

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COMPREHENSIVE COUNSELING (HOUSING) | COMPREHENSIVE COUNSELING (HOUSING)

Provides prepurchase/first time homebuyers counseling, default delinquency counseling, budget counseling, housing assistance (Section 8 eligible), landlord/tenant assistance, reverse mortgage counseling (senior program) and referrals to other housing and non-housing agencies.

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BASIC HOMEOWNERSHIP COUNSELING | LA FUERZA UNIDA, INC.

Provides one-on-one counseling and general education to either potential home buyers or existing homeowners at risk of losing their investment. Offers one-on-one pre and post purchase counseling, and workshops on a variety of topics including budget development, credit management, foreclosure prevention and financial literacy.

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HOUSING - OPPORTUNITIES FOR OTSEGO | OPPORTUNITIES FOR OTSEGO

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. Also provides Emergency Shelter for Code Blue.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.

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THE HOME CLUB | HUDSON RIVER HOUSING

Offers a nine hour education and support program, for a fee, that is designed to assist first time home-buyers to overcome barriers and become prepared for homeownership. The classes meet one night per month and feature local experts involved in the home buying process. Also offers pre-purchase counseling and grant eligibility and education for no fee.

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MORTGAGE SEMINARS | ROCKLAND COMMUNITY DEVELOPMENT CENTER

Individual or group counseling to educate sonsumers with information pertaining to conventional and government assisted mortgages.

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HOUSING PROGRAMS | NEW YORK STATE DEPARTMENT OF HOMES AND COMMUNITY RENEWAL (HCR)

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

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HOUSING COUNSELING PROGRAM - SUFFOLK | LONG ISLAND HOUSING SERVICES

Provides housing counseling for landlord/tenant-rights and responsibilities, rent payment increases and eviction situations and mortgage counseling to homeowners. Pre-purchase, pre-rental and mortgage default predatory lending counseling. Call. Appointment required for some counseling.

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Hope Center - Buffalo Federation of Neighborhood Centers

Works to enhance quality of life, financial stability, and economic independence for individuals and families. Offers one-stop assistance in a confidential environment to community members. Assistance available year round to help families improve financial management skills and succeed in the workforce. Services include: - Benefits Eligibility and Assistance - Financial Education Workshops - One-on-One Financial Mentoring - Banking Assistance - Education and Career Counseling - Resume and Job Development - Homeownership Assistance - College Entrance Assistance - Assistance completing the Federal Application For Student Aid (FAFSA) - Free Community Events - Free Tax Preparation Assistance for income eligible taxpayers (see separate listing for VITA at Buffalo Federation of Neighborhood Centers)

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