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.

Provides screening and counseling services for senior citizens who are interested in reverse mortgage. Program allows eligible homeowners to take a 10-year loan against the appraised value of their home to generate monthly income.

Offers budget and debt counseling to those who need help with budgeting, money management skills, and credit issues.

Provides up to $3,000 in assistance with closing costs through a loan that must be repaid for first time home buyers. Also offers HUD approved housing counseling including homebuyer counseling, reverse mortgage counseling to seniors, and foreclosure prevention programs.

Provides one-on-one HUD approved counseling for seniors who wish to withdraw equity from their home for expenses. Counselors explain process and assist in determining available options.

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 subsidized rental assistance, first time home buyers incentive programs, fair housing opportunities and facilitates the housing discrimination complaint process. Provides home ownership assistance for low-moderate income families, offers senior housing information and aid with reverse mortgages, nursing home and hospital assistance, counseling for home buyers, homeowners and tenants, home rehabilitation funds and block grants to communities for economic development and job creation, lead based paint abatement, and Indian housing information.

* Provides information on buying a home, renting, foreclosure, credit issues and reverse mortgages.

Offers free information and guidance on many long term care options and services available to Tioga County residents.

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 counseling. Call. Appointment preferred.

Offers credit counseling and financial advise toward the goal of homeownership. Reverse mortgage information available, foreclosure counseling, enolization and other energy programs. Home repair or modification grants for low income elderly or people with disabilities.

Provides one-on-one HUD approved counseling for seniors who wish to withdraw equity from their home for expenses. Counselors explain process and assist in determining available options.

Provides subsidized rental assistance, first time home buyers incentive programs, fair housing opportunities and facilitates the housing discrimination complaint process. Provides home ownership assistance for low-moderate income families, offers senior housing information and aid with reverse mortgages, nursing home and hospital assistance, counseling for home buyers, homeowners and tenants, home rehabilitation funds and block grants to communities for economic development and job creation, lead based paint abatement, and Indian housing information.

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.