Provide prepurchase, first time homebuyers, default delinquency counseling, budget counseling, foreclosure prevention, pre and post bankruptcy counseling. Walk-ins accepted. Call for further information. Counseling services available in Spanish.

The Housing programs help people with a variety of housing goals and needs. For some clients, keeping their home and avoiding foreclosure is a challenge. We can help via our foreclosure prevention counseling, where we look for programs that help people keep their homes. Others may be preparing to buy a home for the first time, and we can help them too with our pre-purchase counseling and Essentials for Buying your First Home program. We also offer reverse mortgage counseling, rental counseling, and a few other services, programs, and educational opportunities.

Provides services to help individuals make better decisions about their finances and housing finances and to help others who need help with debt or credit card problems. Services include, debt management, credit counseling, housing counseling, credit card debt, and personal finances.

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.

Provides education to individuals and families of what to expect after buying a home and how to continue asset building and to continue the success of maintaining the house. Program serves Orange, Ulster, Sullivan and Dutchess Counties.

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

Offers a program that is only available to individuals and families that are currently in the mortgage process with a lender. Services include education and support program designed to assist first time home-buyers to overcome barriers to, and become prepared for, homeownership. Classes are offered over consecutive weeks, or one full day.

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.

Oversees the following services: Tenant Rights, Fair Housing and Homeownership Resources. Call for information regarding each service.

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.

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.

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.

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

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.

HUD backs mortgages made through approved lenders sells foreclosed homes hosts seminars funds counseling for first-time buyers done through various New York City and Long Island housing agencies and offers literature on home buying.

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.

Offers education seminars in person and online, as well as one-to-one counseling. These courses provide participants with the information that all first-time homebuyers should know in order to make well informed decisions and become an empowered and educated consumer. Course topics include: Assessment of Homeownership Readiness Budgeting & Credit Financing a Home Shopping for a Home Maintaining a Home Managing Homeownership Finances

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.

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.

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 in person and online. Classes meet requirement for certain bank programs and ownership grant programs including those available through M&T Bank, HSBC Bank, Bank of America, Jamestown Savings Bank, Northwest Savings Bank, Bank of America, Five Star Bank and Community Bank NA.

Various programs focus 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.