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.

Gives families and individuals the opportunity to buy, build, or repair affordable homes located in rural areas. Eligibility for these loans, loan guarantees, and grants is based on income and varies according to the average median income for each area.

Provides vehicles with low interest loans to qualifying low income working parents who need a car for work and/or school.

Offers low interest loans at an interest rate of 0 to 4 percent for terms of up to 20 years to assist property owners to make critical repairs to their properties. Funding under the program is extremely limited and generally available for emergency repairs only.

Provides low interest loans to homeowners, renters, and businesses, farmers, and non-profit organizations for the repair or replacement of real or personal property, transportation or rental of equipment to help with recovery, and economic loss. Homeowners may be eligible to borrow up to $200,000 for real property. Renters and homeowners may borrow up to $40,000 for replacement of disaster-damaged property. Businesses may apply for up to $2 million for losses not fully covered by insurance.

Provides homeownership opportunities to rural Americans, and home renovation and repair programs.

Offers low interest loans at an interest rate of 0 to 4 percent for terms of up to 20 years to assist property owners to make critical repairs to their properties. Funding under the program is extremely limited and generally available for emergency repairs only.

Provides vehicles with low interest loans to qualifying low income working parents who need a car for work and/or school.

Offers low interest loans for the purchase of essential equipment necessary for disabled person to overcome barriers to daily living or vocational functioning following rehabilitation. Loans range from $500-$4000 with a repayment period of 2-8 years and the interest rate will vary. Examples of eligible equipment include, but are not limited to, wheelchairs, wheelchair van lifts, ramps, communication devices for hearing impaired/deaf, and prostheses.