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.

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.

Valley Rural Housing offers pre-purchase, delinquency-default, budget and credit counseling as well as maintenance education and mortgage application assistance.

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

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 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.

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.

Home Improvement Program Neighborhood Improvement Program Demolition Program Street Reconstruction Program

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

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.

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 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.

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

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.

Provides home owner counseling for first time home buyers and credit counseling for all home owners.

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 down payment assistance to eligible first time homebuyers as well as home ownership counseling and foreclosure prevention.

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

Provides free mortgage counseling, one on one education of mortgage process for first-time homebuyers, credit and income review, and assistance in obtaining pre-approval. Also offers advice about refinancing, anti-predatory lending education, post-purchase counseling, reverse mortgage counseling and default prevention education.

Counsels families on how to avoid eviction and homelessness, improve landlord/tenant relations, and provides information about how to renegotiate mortgages and how to improve budgeting skills. Also offers first home buyers counseling, preclosure counseling and reverse mortgage counseling for seniors over 62 years.

Helps low and moderate income families with home buying assistance, through counseling, down payment, closing costs, etc.

Offers home buyer counseling to anyone who is buying a house for the first time or wants to get re-educated after a few years.

Sponsors home buying workshops including credit counseling, budgeting, utilities, tax assessment, insurance and legal counseling. Also offers private counseling.

Provides comprehensive housing counseling services to individuals and families. Services include credit counseling, budgeting, pre and post home ownership counseling, foreclosure prevention counseling, and resources for down payment assistance programs.