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.

A network of over 85 housing counseling and legal services organizations across the state that provide free, qualified mortgage assistance relief services to homeowners. HOPP representatives can connect New Yorkers to high-quality counseling or legal services all over New York State. The HOPP Program is designed to ensure that no family in New York State ever loses their home because they do not have access to a lawyer or qualified housing counselor. Services include: - Assistance with applying for a loan modification, or other types of loss mitigation - Direct representation in court proceedings, including settlement conferences - Homeownership counseling Operates HomeownerHelpNY (https://homeownerhelpny.org/), an online service that provides New Yorkers with the tools and support to avoid foreclosure and/or scams, and to help them find qualified mortgage assistance relief services from the HOPP network. HomeownerHelpNY is a collaboration between the New York State Attorney General Office and the Center for NYC Neighborhoods, a non-profit committed to protecting and preserving affordable homeownership.

Financial Education at Jericho Road includes two programs: Financially Fit and City Roots. Financially Fit offers financial education to refugee and American-born adults, empowering them and their families with the knowledge needed to successfully navigate American financial systems, manage limited resources, and embrace a healthy financial lifestyle. Curriculum centers around visual and experiential learning and teaches principals of banking, budgeting, paying bills on time, proper credit use, and savings. City Roots is Jericho Road's first-time homebuyer education program. This program is for both refugees and American-born adults.

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

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

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.

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

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.

Offers low and moderate income first-time home buyers assistance with home buying counseling, down payment, closing costs, etc.

Offers Foreclosure Prevention Counseling as well as First-Time Homebuyer Counseling to Sullivan County residents.

Offers first time homebuyers assistance to cover down payment and/or closing costs plus rehabilitation expenses. Also offers pre-purchase and post-purchase education, as well as homeownership counseling.

A not for profit HUD Approved Housing Counseling agency that provides pre- and post-purchase counseling, foreclosure prevention, and rental counseling to landlords and tenants. Offers the following programs: - First Time Homebuyers Program - Foreclosure Prevention - Home Equity Conversion Mortgage Counseling / Reverse Mortgage Counseling - Landlord Training - Rental Registry - Tenant Education - DHS Inspections

Focuses on creating asset development opportunities for both residents and entrepreneurs. Assists individuals in growing and investing in their communities by providing lending capital, training, consulting, technical assistance, seminars, workshops, and low-cost business rental space to new and existing businesses that would otherwise lack access to these services. Assists area residents in developing asset based thinking by providing financial literacy training, basic budgeting, and home appliance loans to combat predatory lenders. Loan programs and Cottage Industry Assistance Program target low to moderate income existing and prospective individuals. Chautauqua Microenterprise Loan Fund and the Women and Minority Microenterprise Loan Fund Programs help small businesses by providing small business start up and expansion loans. The small business incubator offers small businesses an opportunity to grow and stabilize with subsidies around rent, business services, and technical assistance. Serves as a Warming Center during times of excessive cold and as a Cooling Center during times of excessive heat. Always call ahead to make sure a Warming/Cooling Center is open before going there.

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)

Offers home ownership classes in English and Spanish several times a year. Classes meet requirement for certain bank programs and ownership grant programs including those available through M&T Bank, HSBC Bank, Bank of America, and Jamestown Savings Bank.

Offers housing counseling services and workshops on pre-purchase, post-purchase, reverse mortgages, rental, mortgage default/foreclosure prevention, as well as financial education focusing on budgeting, credit, banking, and goal setting. Counseling is provided at various locations.

Offers the following services: - Homeless support services to families and persons living with HIV/AIDS - Subsidized housing options - Affordable rental units in Dunkirk, Fredonia, and Jamestown - Weatherization to improve energy efficiency for homeowners - Credit counseling, home ownership, bankruptcy counseling, and foreclosure prevention services

Provides counseling and education for those looking to become first time home buyers. Also provides financial capability counseling, mortgage assistance and foreclosure prevention, and fair housing counseling and education. Programs serve as a source of information about ownership, predatory lending, mortgage foreclosure prevention, fair housing, budgeting, handling debt, and credit repair. Provides rental search assistance and limited financial assistance when funding is available (for financial assistance, see separate program listing on FEMA Assistance - Buffalo Urban League).

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