single family mortgages for new or existing homes for very low to moderate income households in rural areas home repair loans and grants for very low-income applicants unable to obtain credit from traditional lending facilities; mobile home owners must own the land on which the home sits to improve or modernize a home, make it safer or more sanitary, remove health and safety hazard community loans and grants for water and sewer, fire halls, fire trucks/ambulances; day care centers, community-based centers, town halls, libraries rural business enterprise grants housing preservation grants elderly and family housing complexes for low-income residents business and industrial loans

Provides homeownership opportunities to rural Americans, and home renovation and repair programs.

Low to moderate-income families looking to purchase their first home within Chenango or Broome County who need assistance in learning the real estate process and available financing opportunities.

Provides financial assistance to families buying a home in Jefferson County.

Assists approved lenders in providing low- and moderate-income households to own adequate, modest, and sanitary dwellings as their primrary residnece in eligible rural areas. Eligible applicants may purchase or build in an eligible rural area with 100% financing.

*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.

* Assist with applying for veterans benefits from local, state, and federal agencies such as: Burial benefits. Education benefits. Non-service connected pension. Medals and Awards. Medical Benefits. Misplaced military documents. Service connected compensation. VA home loans. Pensions. Widows' death pension Service connected pension Non-service connected pension

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

* 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.

Working in partnership with people in need to build and renovate decent, affordable housing.

* 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 qualified first time homebuyers with down payment assistance. The assistance provided will be up to $30,000 for eligible applicants to assist with down payment toward the purchase of an owner-occupied, pre-existing or newly constructed single family residence, condominium, co-operative apartment (Co-op) or manufactured home. Manufactured homes must be placed on real property owned or to be owned by the purchaser, located within the Suffolk County Consortium, which includes all of Suffolk County except the Townships of Islip, Babylon and Brookhaven. Applications are accepted through April 1, 2025. Applications available online at https://scdownpayment.com/. Call for detailed information regarding eligibility criteria.

issues mortgage revenue bonds to provide below market rate mortgage loans for single family housing mortgage insurance on loans, for qualifying projects, for acquiring, refinancing and rehabilitating residential, community service and certain retail facilities. low down payment, low interest rate mortgages to qualified low- and moderate-income families and individuals for buying a home in New York State.

Provides counseling to seniors and their families on ways to unlock the equity in their homes and convert it into monthly income and/or a line of credit.

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.

Provides qualified low and moderate income first time homebuyers with a low down payment mortgage loan with a fixed interest rate, on family dwellings, including condominiums and cooperative apartments as well as manufactured homes permanently attached to property.

Offers 2 revolving loan products to help struggling homeowners. Home Save: Provides loans to homeowners to provide capital to bring unpaid mortgage payments current in order to prevent foreclosure. Better Home: Provides loans to homeowners to do needed repairs or renovations on the home they own or plan to purchase.

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

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

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

The HOPP (Homeowners Protection Program) approved counseling agency offers any individual facing home foreclosure information, advice and assistance with the loan modification process, pre-foreclosure and foreclosure procedures.

Focuses on helping individuals gain assets and become self-sufficient, improving the health and safety and energy efficiency measures in their home, and helping to develop and improve local businesses. Directly offers opportunities for home ownership and education, energy conservation through weatherization assessment, and renovation services. Also offers financial services such as budgeting along with homeownership, credit, bankruptcy, and foreclosure counseling.

A federal agency working to help improve the economy and quality of life in rural areas. Helps rural residents buy or rent safe, affordable housing and make health and safety repairs to their homes. Programs include Single Family Housing Guaranteed Loan Program, Single Family Housing Direct Home Loans, and Single Family Housing Repair Loans & Grants. Offers loans, grants, and loan guarantees to help create jobs and support economic development and essential services such as housing; health care; first responder services and equipment; and water, electric, and communications infrastructure. Promotes economic development by supporting loans to businesses through banks, credit unions, and community-managed lending pools. Offers technical assistance and information to help agricultural producers and cooperatives get started and improve the effectiveness of their operations. Provides technical assistance to help communities undertake community empowerment programs.