The New York State Association of REALTORS is dedicated to assisting all New Yorkers in achieving the American Dream of homeownership. The association’s Affordable Housing Committee helps REALTORS identify, develop, advocate and promote financial programs, products and resources that expand homeownership opportunities in every area of New York State. In addition, the Affordable Housing Foundation is working to develop programs to assist New Yorkers in achieving the dream of homeownership.

The following is a list of regional housing opportunity organizations currently in operation throughout the state. Click on each region to find the resources available there. Click here for statewide resources.

Statewide

The Campaign for Affordable Housing
5900 Wilshire Boulevard, 26th Floor
Los Angeles, CA 90036
Phone: 323-330-0540
Fax: 323-330-0541
E-mail: tcah@tcah.org
Web: www.tcah.org

The Campaign for Affordable Housing facilitates and supports the development of diverse housing styles for America's workforce and seniors by educating all segments of the public on the true nature of affordable housing and the people who reside there. Our ultimate goal is to significantly increase the support for efforts to make housing affordable on the local, state and national level.

Congressional Hispanic Caucus Institute National Housing Initiatives
911 2nd Street NE
Washington, D.C. 20002
Phone: 202-543-1771
Fax: 202-546-2143
Web: http://www.chci.org/nhi/nhi.html 

The Congressional Hispanic Caucus Institute (CHCI) launched its National Housing Initiative (NHI) in 2003 to focus on expanding the accessibility of homeownership to Latinos by employing an innovative bi-partisan, multi-tiered strategy to identify and develop solutions to address the current obstacles faced by Hispanics.

Council for Affordable and Rural Housing
1112 King Street
Alexandria, VA 22314  
Phone: 703-837-9001
Fax: 703-837-8467  
E-mail: carh@carh.org
Web: http://www.carh.org

The Council for Affordable and Rural Housing (CARH) was founded in 1980 as a non-profit trade organization. Since then, the Council has become the leading national advocate for the financing, development, and management of affordable rural housing.

Harvard University's Joint Center for Housing Studies
Joint Center for Housing Studies
Harvard University
1033 Massachusetts Avenue, 5th Floor
Cambridge, MA 02138
Phone: 617-495-7908
Fax: 617-496-9957
Web: http://www.jchs.harvard.edu

The Joint Center for Housing Studies is Harvard University's center for information and research on housing in the United States. The Joint Center analyzes the dynamic relationships between housing markets and economic, demographic, and social trends, providing leaders in government, business, and the non-profit sector with the knowledge needed to develop effective policies and strategies.

Housing Assistance Council
National Office
1025 Vermont Ave., N.W.
Suite 606
Washington, D.C. 20005
Phone: 202-842-8600
Fax: 202-347-3441
E-mail:hac@ruralhome.org
Web: http://www.ruralhome.org

The Housing Assistance Council improves housing conditions for the rural poor, with an emphasis on the poorest of the poor in the most rural places in the United States. It offers services to public, nonprofit, and private organizations throughout the rural United States.

Local Initiatives Support Corporation
National Headquarters
501 Seventh Avenue
New York, NY, 10018
Phone: 212-455-9800
Fax: 212-682-5929
Email: info@lisc.org
Web: http://www.lisc.org

LISC helps resident-led, community-based development organizations transform distressed communities and neighborhoods into healthy ones – good places to live, do business, work and raise families. By providing capital, technical expertise, training and information, LISC supports the development of local leadership and the creation of affordable housing, commercial, industrial and community facilities, businesses and jobs. We help neighbors build communities.

NeighborWorks Multifamily Initiative/Neighborhood Reinvestment Corporation
1325 G St., NW, Suite 800
Washington, DC 20005-3100
Phone: 202-220-2300
Fax: 202-376-2600
Web: http://www.nw.org/network/home.asp

NeighborWorks America, local NeighborWorks organizations and Neighborhood Housing Services of America make up the NeighborWorks system, which has successfully built healthy communities since 1978. Together, with national and local partners, NeighborWorks creates new opportunities for residents while improving communities by providing financial support, technical assistance, and training for community-based revitalization efforts.

Regulatory Barriers Clearinghouse
Regulatory Barriers Clearinghouse
P.O. Box 23268
Washington, DC 20026-3268
Phone: 800-245-2691, option 4
Fax: 202-708-9981
Web: http://www.huduser.org/rbc

As called for in the "American Homeownership and Economic Opportunity Act of 2000", the Regulatory Barriers Clearinghouse was established to collect, process, assemble and disseminate information on the barriers faced in the creation and maintenance of affordable housing. The Clearinghouse is hosted by HUD USER, the primary source for Federal Government reports and information on housing policy and programs, building technology, economic development, urban planning, and other housing-related topics.

U.S. Department of Housing & Urban Development (HUD)
U.S. Department of Housing and Urban Development
451 7th Street S.W.
Washington, DC 20410
Phone: 202-708-1112  
Web: http://www.hud.gov/

HUD's mission is to increase homeownership, support community development and increase access to affordable housing free from discrimination. To fulfill this mission, HUD will embrace high standards of ethics, management and accountability and forge new partnerships--particularly with faith-based and community organizations--that leverage resources and improve HUD's ability to be effective on the community level.

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1. Adirondack Region

Association for Neighborhood Rehabilitation
Joseph O'Hare
110 Ogden Street
Ogdensburg, NY 13669
Phone: 315-393-4610

Friends of the North Country, Inc.
Victoria Zinser Johnson
1A Mill Street
Keeseville, NY 12944
Phone: 518-834-9606 Fax: 518-834-9687
E-mail: Friends@northet.org

Housing Rehabilitation & New Home Ownership Programs offer grant programs to assist low-income individuals with housing improvements in target areas, and assistance with new homeownership (housing counseling and financial counseling)

Housing Assistance Program of Essex County, Inc.
Carole Harsh
135 Margaret St., Suite 1
Plattsburgh, NY 12901
Phone: 518-565-4698 Fax: 518-563-2824
Web: www.hapec.org

Clinton County Housing Assistance Program: A) Section 8 Rental Assistance provides income eligible Clinton Co. renters with rental payments, 50 percent of median income required; and B) Home Buyer Assistance through a 80-percent of median income of the Mortgage Revenue Bonds with assistance up to $10,000 for principle reduction, closing costs and/or rehabilitation to repair health/safety or building code deficiencies.

Housing Assistance Program of Essex County, Inc.
Alan S. Hipps, Executive Director
103 Hand Avenue, Suite 2
Elizabethtown, NY 12932
Phone: 518-873-6888 Fax: 518-873-9102
Web: www.hapec.org

Section 8 Rental Assistance/ Homebuyer Program/Rehab Program: A) Section 8 Rental Program provides assistance to income eligible Essex County residents; B) Homebuyer Program assists income eligible residents in principle reduction, closing costs and/or attending to health/safety, building code deficiencies when purchasing and Essex County Home; C) Rehabilitation Program is for Essex County income eligible homeowners that need help with repairing health, safety and building code deficiencies in their homes.

A and C targeted to 50-percent of median income, while B is targeted to 80-percent of median income for the county.

Marble City Housing Corp
Alfred Netto
68 West Main Street, PO Box 430
Gouverneur, NY 13642
Phone: 315-287-0143 Fax: 315-287-2492

Mohawk Indian Housing Corporation
Carol Lazore
Route 37
Akwesaane, NY 13655
Phone: 518-358-4860 Fax: 518-358-4870

St. Lawrence County Housing Council
Fred Hanns
19 Main Street
Canton, NY 13617
Phone: 315-386-8576 Fax: 315-386-1564

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2. Capital Region

Carrowmore Community Assistance, Inc.
Duane Nealon, Executive Director
489 Potter Hill Road
Petersburgh, New York 12138-3215

Phone: 518-658-9629  
E-mail: info@carrowmore.org
Web: www.carrowmore.org

Carrowmore Community Assistance, Inc. (CCA) is a not-for-profit housing and community development organization serving the New York Capital District Region. We assist low-income families, neighborhoods, and communities with urban and rural planning that responds to local needs and concerns; including, affordable housing, assessment of environmental impacts, sustainable economic development. CCA will also provide assistance with the identification, preparation and administration of grants, low-interest loans and other sources of project funding--working to ensure that program control and resources remain within the community.

Services include: Mutual Housing, Affordable Housing, Homeownership Assistance, Grant Writing, Community Planning, and Sustainable Development.

Housing Resources of Columbia County
Margaret Feml
605 State Street
Hudson, NY 12534
Phone: 518-822-0707 Fax: 518-822-0367
Web: www.housingresources.org

The Columbia County Home Ownership Promotion & Preservation Program offers assistance with downpayment, closing costs, loans and grants. Home improvement loans and grants are also available. Income restrictions may apply for certain grant programs. The organization is also a HUD Housing Counseling Agency and National Neighbor Works Campaign for Home Ownership participant.

TRIP Neighborworks Home Ownership Center
Bobbi Carter, Director
251 River Street
Troy, NY 12180
Phone: 518-690-0020 Fax: 518-690-0025
E-mail: dana@triponline.org

TRIP Neighborworks is a non profit organization dedicated to neighborhood revitalization and stabilization while empowering residents with education and support in the City of Troy and Rensselaer County. Programs include Homebuyer education courses. We are a HUD-certified counseling agency able to provide credit and budget counseling, default counseling and HECM counseling. We administer City of Troy and Rensselaer County downpayment and closing cost assistance grants and the RPI and Russell Sage Homebuyer Programs. We have a revolving loan fund for repair loans to existing homeowners and those trying to buy in Troy. We have a landlord training program and a home maintenance training program presented free of charge to anyone who wishes to attend and more. TRIP Neighborworks HOC is only one of 65 NeighborWorks Homeownership Centers in the Country and the only one serving the Capital District Tri county area.

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3. Central Region

City of Fulton Community Development Agency
Carol Rutledge
125 West Broadway
Fulton, NY 13069
Phone: 315-593-7166 Fax: 315-593-7754

Affordable Homeownership Program offers downpayment and closing cost upfront cash grants to income-eligible first-time homebuyers for the purchase of existing, single-family homes in the geographic boundaries of City of Fulton, NY. All units must meet housing quality standards and housing code and be in "move-in" condition. The program does not allow for the pruchase of HUD homes as these generally require substantial rehabilitation. The agency takes a 10-year mortgage on the property.

Clayton Improvement Association
Matt Taylor, Housing Coordinator
330 James Street, PO Box 99
Clayton, NY 13624
Phone: 315-686-3212

Community Action Planning Council
Ken Flint
518 Davidson Street
Watertown, NY 13601
Phone: 315-782-4900 Fax: 315-788-8251

Frontier Housing
Tom Ransier, Executive Director
100 Locke Drive, PO Box 56
Dexter, NY 13634
Phone: 315-639-3940 Fax: 315-639-4771
E-mail: frontier@gisco.net

GroWest, Inc.
Cheryl Dunn
1124 State Street
Utica, NY 13502
Phone: 315-724-8020, ext 11 Fax: 315-735-9129
E-mail: growest@yahoo.com

First Time Home Buyer & Rehab. Program offers assistance for owner who reside in the home. Low interest closing cost/down payment loans and low interest rehab loans are offered to those who qualify.

Home HeadQuarters, Inc.
Kerry Quaglia, Executive Director
124 E. Jefferson Street
Syracuse, NY 13202
Phone: 315-474-1939 Fax: 315-474-0637
E-mail: info@homehq.org
Web: www.homehq.org

Home HeadQuarters is a not-for-profit organization dedicated to revitalizing and stabilizing neighborhoods in Syracuse and Central New York. Programs and services include: homebuyer education courses, homeownership and credit counseling, down payment and closing cost assistance, home improvement loans, the Home Equity Protection Program, Syracuse Weed & Seed Community Partnership, landlord training, Opportunity HeadQuarters Construction Apprentice Program and more. Home HeadQuarters is one of only 50 NeighborWorks Homeownership Centers nationwide.

Lewis County Opportunities
Karl Reutling
PO Box 111
New Bremen, NY 13367
Phone: 315-376-8202

Neighbors of Watertown
Gary Beasley
116 Franklin Street
Watertown, NY 13601
Phone: 315-782-8497 Fax: 315-782-0102
E-mail: gary@neighborsofwatertown.org
Web: http://www.neighborsofwatertown.com

North Country Affordable Housing, Inc.
Barbara H. Willis
120 Washington Street, Suite 16
Watertown, NY 13601
Phone: 315-785-8684 Fax: 315-785-0092
E-mail: info@northcountryaffordablehousing.com
Web: http://www.northcountryaffordablehousing.com

Snowbelt Housing
Cheryl Shenkle, Executive Director
7500 South State Street
Lowville, NY 13367
Phone: 315-376-2639

Syracuse Neighborhood Initiative
124 E. Jefferson Street
Syracuse, NY 13202
Phone: 315-474-1939 Fax: 315-474-0637
Web: www.syracusesni.org

Syracuse Neighborhood Initiative, a public-private-nonprofit collaboration, was created to revitalize distressed urban neighborhoods, increase homeownership and encourage resident participation in Syracuse. Through our partners, SNI provides affordable lending products, mini-grants, neighborhood planning and marketing support and homebuyer education. Programs support all neighborhoods in the City of Syracuse, New York.


The Home Ownership Center
Victoria Steele
1611 Genesee Street
Utica, NY 13501
Phone: 315-724-4197 Fax: 315-724-1415
Web: www.thehomeownershipcenter.org

The Home Ownership Center is one of 50 Neighbor Works Home Ownership Centers nationwide with service that include a comprehensive 8-hour homebuyer education workshop, individualized homeownership counseling, down payment and closing cost loans (to qualified buyers) inspection services, construction management and community organizing. These services are provided in both Oneida and Herkimer counties.

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4. Genesee Region

Genesee Valley Rural Preservation Council, Inc.
Bob Martin
129 Main Street
PO Box 248
Leicester, NY 14481
Phone: 585-382-3220 Fax: 585-382-3199
E-mail: bmartin@gvrpc.com
Web: www.gvrpc.com

The council's First Time Home Buyer program offers assistance with downpayment, closing costs and acquisition reduction of mortgage

Providence Housing Development Corp.
Lisa Alcott, Program Director
1136 Buffalo Road
Rochester, NY 14620
Phone: 585-328-3210 Fax: 585-529-9525
Web: www.providencehousing.org

The Monroe County First Time Homebuyer Program offers assistance with downpayment and closing costs for those earning 80% of area median income. Educational program required. Within Monroe County only.

Rural Opportunities, Inc.
Susan Boss
#7 Genesee Country Mall, Main Street
Batavia, NY 14020
Phone: 585-343-2188 Fax: 585-343-5442
Web: www.ruralinc.org

The Rural Opportunities program objective is to enhance the ability of modest income families to become homeowners. Our homeownership staff will provide assistance to all families in one-on-one and group sessions. The homebuyer education sessions will cover topics such as household budgets, credit, the process of buying a home including home inspections, looking for a realtor, and mortgage process are just a few topics we discuss. During the education sessions we will also have guest speakers who are experts in their fields. In addition to gaining knowledge about the homebuying process, we also will place all "mortgage ready" families into a mortgage loan that will best suit their needs. We work with many lenders and have developed programs to assist with down payment and closing costs.

Eligibility requirements:

1. You must not owned a home in the last 3 years, unless you were a displaced homemaker or a single parent while married owned a home with his or her spouse or resided in a home owned by a spouse.

2. Income limits apply to each loan or assistance program we offer. Income is based on number of people who will be residing in the new home.

3. You must complete Homebuyer Education sessions through Rural Opportunities, Inc. (Minimum 8-12 hours)

4. Have established savings history or the ability to save a minimum of $1000 of your own funds.

5. Must show the ability to repay debts in a timely manner, with most emphasis on the most current 24 month period.

6. Must show ability to pay rent on time for the last 2 years.

7. Purchase within Genesee, Orleans, Wyoming or Livingston. We have other HomeOwnership offices that cover other counties if interested.

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5. Lower Hudson Region

Habitat for Humanity of Greater Newburgh
Deirdre Glenn
PO Box 1694
Newburgh, NY 12551
Phone: 845-568-6035 Fax: 845-568-5632
Web: www.habitat-greater-newburgh.org

Under this program, $750 plus 250 hours / 400 hours sweat equity constitutes downpayment. Families who are legally residents in the US, who have lived in the Newburgh area for one year and who earn (or have annual income) equal to 25% to 50% of the HUD median income for the area are eligible.

Rockland Housing Action Coalition, Inc.
Gerri Levy
95 New Clarkson Road
Nanuet, NY 10954
Phone: 845-352-3819 Fax: 845-352-2126

Rockland Housing Action Coalition offers new construction and budget/credit/mortgage/homeownership and foreclosure prevention counseling. The not-for-profit agency develops affordable housing. We write grants to the federal, state and local government to reduce the purchase prices of our new homes, so low- and middle-income families can obtain mortgages. In addition, we provide budget/credit/mortgage/homeownership and foreclosure prevention counseling.

Rural Ulster Preservation Co., Inc. (RUPCO)
Robyn Awand
Director of Neighborworks® HomeOwnership Center
301 Fair Street
Kingston, NY 12401
Phone: 845-331-9860 Fax: 845-331-9864
Web: www.rupco.org

RUPCO's Homebuyer Assistance program offers downpayment, closing cost andrehabilitation assistance to first-time homebuyers based on income eligibility limits provided by HUD in Ulster County. We also offer First Home Club - homeowner education and administer Section 8 homeownership.

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6. Metropolitan Region

Bellport, Hagerman, East Patchogue Alliance, Inc.
1492 Montauk Hwy, Bellport, NY 11713
Phone: 631-286-9236

Acquires, rehabilitates and rents houses to the homeless and very low-income households in Brookhaven Township, provides support services, housing counseling and other community services.

Catholic Charities Diocese of Rockville Centre
90 Cherry Lane
Hicksville, New York 11801
Phone: 516-733-7000
Web: http://www.catholiccharities.cc/ourservices/over_housing.html

Catholic Charities provides more than 1,200 safe, comfortable, affordable housing units for seniors and special needs populations throughout Long Island from Inwood to Hampton Bays.

Community Housing Innovations, Inc.
119 Jackson St.
Hempstead, New York
Phone: 516-563-3115
Web: http://www.chigrants.org

Community Housing Innovations provides low-income families and individuals with the housing and human services that enable them to achieve the greatest social and economic independence at the lowest cost to society.

Habitat for Humanity-SUNY Stony Brook
Web: www.habitat.org

Habitat builds simple houses with the help of the homeowner families, volunteer labor and donations. Houses are sold to families at no profit, zero interest loans.

Housing Help, Inc.
91 Broadway #6
Greenlawn, NY
Phone: 631-754-0373

Housing Help Inc. provides information on tenants rights; landlord/tenant mediation; First Time Home Buyer counseling; Default counseling Reverse Equity Mortgage counseling; and Budgeting.

The Long Island Council of Churches
Phone: 516-565-0290 (Hempstead)
Phone: 631-727-2210 (Riverhead)

We are an advocate for affordable housing throughout Long Island, offer counseling and referral, and provide mortgage education through our predatory lending seminars in faith-based institutions.

Long Island Housing Partnership, Inc.
180 Oser Avenue Suite 800
Hauppauge, NY 11788
Phone: 631-435-4710
Web: http://www.lihp.org/

The Housing Partnership provides housing opportunities on Long Island for those who otherwise would be unable to afford decent and safe homes.

Long Island Housing Services, Inc.
Phone: 516-292-0400 - Nassau
Phone: 631-467-5111 - Suffolk
E-mail: info@lifairhousing.org
Web: http://www.lifairhousing.org

Our mission is the elimination of unlawful housing discrimination and promotion of decent and affordable housing through advocacy and education.



Nassau-Suffolk Coalition for the Homeless
Phone: 917-507-0255

Since 1995 NSCH has coordinated consolidated applications to HUD. This has resulted in over forty-two million dollars in funding for housing and services for the homeless.



North Fork Housing Alliance, Inc.
110 South St
Greenport, NY
Phone: 631-477-8888

The North Fork Housing Alliance, Inc. is a community-based, non-profit housing assistance agency that provides families with Section 8 Rental Assistance, administers a Family Self-Sufficiency Program, assists with Home Equity Conversion and Reverse Mortgage counseling, provides Home Owners' Housing Rehabilitation, Housing Information & Counseling and holds First Time Home Buyers' Workshops.

Penates, Inc.
1377 5th Avenue
Bay Shore, NY
Phone: 631-665-2866

Affordable housing, educational assessment, counseling/case management, independent living support, parenting/tutoring classes, referral assistance, educational liaison, child care assistance, transportation, housing assistance.

Shelter Island Housing Options Inc.
Web: http://www.shelter-island.org/

The mission of Shelter Island Housing Options, Inc. is to help meet the need for affordable, appropriate and adequate housing for resident individuals and families who were born on Shelter Island or who have chosen to live and work here to raise their families, and those who have chosen to live out their retirement years here.

Supportive Housing Network of New York
Web: http://www.shnny.org/

The Supportive Housing Network of New York represents the statewide supportive housing community of over 150 non-profits that have developed and operate over 20,000 units of safe, affordable housing with on site services. The Network provides advocacy, resources, technical assistance, promotion of best practices and public education services

Wyandanch Homes & Property Development Corp.
Phone: 631-491-7285
Web: http://www.whpdc.org

Wyandanch Homes & Property Development Corp (WHPDC) is a non-for-profit providing affordable rental housing for the homeless, assisting families preparing for mortgage eligibility, and counsels families facing foreclosure.

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7. Southern Tier Region

Better Housing for Tompkins County
950 Danby Road, Suite 102
Ithaca, NY 14850
Phone: 607-273-2187 Fax: 607-273-1630
E-mail: bhtc@clarityconnect.com
Web: http://www.betterhousingtc.org/index.html

Through partnerships with other agencies, local government, and state and federal funding sources, Better Housing for Tompkins County has worked to develop and improve housing opportunities for low and moderate income individuals, families, older people and the disabled in rural Tompkins County since its inception in 1981.


City of Cortland
Office of Community Development
Linda Armstrong, Thoma Development Consultants
34 Tompkins Street
Cortland, NY 13045
Phone: 607-753-1433 Fax: 607-753-6818
Web: www.cortland.org (click on community development),
www.thomadevelopment.com

The Community Development Office assists income-eligible, first-time homebuyers with incomes at or below 80% of median income for Cortland County (pursuant to HUD) who are eligible for between $8,000-13,500 for closing costs and "principle reduction." Income eligibility is based on household size. Funds for certain rehabilitation costs after purchase are also available. Total funds provided as a "deferred payment loan" and forgiven at end of residency period. You may be considered first-time buyer if you have not owned a home for at least 3 years, or if previous homeowner with spouse, but are now a single parent with minor child. Homes for purchase assistance must be located in the City of Cortland.

Opportunities for Chenango, Inc.
Karen Glasbergen
PO Box 470
Norwich, NY 13815
Phone: 607-336-2101 ext. 115  Fax: 607-336-3089
Email: kglasbergen@ofcinc.org
Web: www.ofcinc.org

Pre-purchase and post purchase counseling. Various grant subsidies for low-to-moderate income first-time buyers.

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8. Western Region

HomeFront, Inc.
Bryan Cacciotti, Executive Director
361 Delaware Avenue, Suite 308
Buffalo, NY 14202
E-mail: bryan@homefrontbflo.org
Web: www.homefrontbflo.org

The HomeOwnership Center acquires, rehabilitates, and sells property as affordable housing. We also provide financial assistance to owner-occupants wishing to improve their homes. Other programs include pre-purchase counseling.

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