* Provides donated homes to military families and Veterans through a partnership with national banks.

* Awards mortgage-free homes to combat wounded veterans and to unmarried Gold Star spouses whose loved ones were Killed-In-Action.

* Builds or renovates houses in partnership with low-income families and sells the houses to the people at no profit and no interest.* Receives funds and building materials from individuals, churches, and other organizations.

Habitat for Humanity helps income-qualified, first-time homebuyers build strength, stability and self-reliance through housing. We build and rehabilitate simple, decent, affordable homes throughout Tompkins and Cortland counties and provide low- or no-interest equivalent mortgages.Accepts applications for homebuyers during specified application periods; call or e-mail for details.Donations of land, vehicles, tools and building materials are accepted.

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.

* Awards mortgage-free homes to combat wounded veterans and to unmarried Gold Star spouses whose loved ones were Killed-In-Action.

Builds new homes or purchases old or abandoned homes, renovates them. Future Habitat Homeowners take classes and perform sweat equity while qualifying for a mortgage with a 3rd party lender. Mortgages are 29% of household income. Offers repairs to home owners at modest cost based on income. Offers no interest loan. Also Restore a gently used home goods store with opportunities to donate, volunteer or purchase.

* Builds or renovates homes in partnership with selected low-income families so that they can become home owners.* Accepts donations of new building materials. * Offers volunteer opportunities.

Offers subsidies to low- and moderate-income individuals for the purchase of homes renovated by the county.

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 homes for sale to income-eligible families through New York State Homes and Community Renewal funding. Limited number of homes are available.

Provides homes for sale to income-eligible families through New York State Homes and Community Renewal funding. Limited number of homes are available.

Builds houses using volunteers, and donated materials and then sells them to partner families using affordable mortgages. Helps homeowners find funding/grants for critical repairs. Can offer referrals for repairs. Not able to assist with immediate problems.

* Provides donated homes to military families and veterans through a partnership with national banks.

* Provides affordable homeownership opportunities in Oneida County to low-income, elderly, disabled and veteran families.

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

* Builds or renovates houses in partnership with low-income families and sell the houses to qualified people with need at no profit. Funds and building materials are donated by individuals, churches and other organizations.

Builds homes, at cost with no-interest loans, for eligible individuals and families that cannot afford one due to limited income.

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.

Working closely with Economic Development and Planning Divisions, the Division of Real Estate is responsible for acquiring, maintaining and disposing of all County real property; providing services related to real property for the executive, administrative and legislative branches of County government; generating revenues for the County; and controlling expenses pertaining to the maintenance of County-owned property. The Division also supports the County’s Affordable Housing programs, Community Development programs and the Suffolk County Landbank. The division is comprised of the following units: Real Property Acquisition and Management; Affordable and Workforce Housing; Auction and Direct Sales and Request For Qualifications. Call for detailed services offered.

Offers subsidized housing for families who are low-income. There are 215 units in this community offering a mix of home ownership and low, moderate, and upper income level rental units.

The Community Development Office, works with consortium municipalities and non-profit agencies, to use HOME funds to assist with the construction of new single family homes for first-time homebuyers. Homes are planned in various locations in the county. For specific details on this program, call the Community Development Office.

Builds houses using volunteers, and donated materials and then sells them to partner families through no-profit, no-interest mortgages, for low income families.