|Counseling Services||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.||Franklin||HOME BUYER COUNSELING||FRANKLIN COUNTY COMMUNITY HOUSING COUNCIL|
|Counseling Services||RCHR offers housing counseling services free of charge for purchase, default, foreclosure prevention and mortgage counseling.||Rensselaer||HOUSING COUNSELING||RENSSELAER COUNTY HOUSING RESOURCES (RCHR)|
|Counseling Services||The Counseling Services Program is tailored to the needs of each customer as they actively work toward individually established goals to improve their financial hurdles to home ownership. Customers meet for at least one hour each month with a Homeowner Counselor. A six-hour home buyer education class detailing the process of purchasing and owning a home is taught once a month. There is one-on-one assistance in filing out forms required to apply for the program and mortgages. Assessments of individual financial management strengths and needs, and individualized assistance in setting and achieving goals in order to successfully qualify for a mortgage are provided. Credit reports are reviewed and clients are taught how to read and understand them. Pre-home ownership and post-home ownership counseling, credit counseling, debt counseling, budgeting, mortgage counseling, how to save, post-home ownership budgeting, savings counseling and mortgage management are available.||Schenectady||PRE AND POST HOME OWNERSHIP COUNSELING||COMMUNITY LAND TRUST OF SCHENECTADY|
|Education/Prevention Services||Offers one-on-one pre-purchase housing counseling to assist potential homebuyers through the entire process. This includes credit counseling, credit repair, connecting with a real estate agent, finding the right lawyer, securing the best mortgage product, applying for any appropriate grant programs and post-purchase follow-up. Also offers three 2-hour pre-purchase education sessions focusing on readiness to purchase, the purchase process and what it means to be a homeowner.||Schenectady||PRE-PURCHASE HOUSING EDUCATION AND COUNSELING||BETTER NEIGHBORHOODS|
|Housing Services||Offers low and moderate income first-time home buyers assistance with home buying counseling, down payment, closing costs, etc.||Essex||FIRST-TIME HOME BUYER PROGRAM||HOUSING ASSISTANCE PROGRAM OF ESSEX COUNTY|
|Housing Services||CMHDC provides home owner counseling for first time home buyers and credit counseling for all home owners.
||Greene||HOME BUYER AND CREDIT COUNSELING||CATSKILL MOUNTAIN HOUSING DEVELOPMENT CORPORATION|
|Housing Services||Helps low and moderate income families with home buying assistance, through counseling, down payment, closing costs, etc.||Essex||HOME BUYER PROGRAM||ADIRONDACK COMMUNITY HOUSING TRUST|
|Housing Services||The HOME Home Buyer Program provides down payment assistance to eligible first time homebuyers in Schoharie County, as well as home ownership counseling and foreclosure prevention. (HOMEBUYER DOWNPAYMENT ASSISTANCE CURRENTLY HAS NO FUNDING)
||Schoharie||HOME HOMEBUYER PROGRAM||SCHOHARIE COUNTY RURAL PRESERVATION CORPORATION |
|Housing Services||Valley Rural Housing offers pre-purchase, delinquency-default, budget and credit counseling as well as maintenance education and mortgage application assistance.
||Montgomery||HOMEOWNERSHIP COUNSELING||VALLEY RURAL HOUSING CORPORATION |
|Housing Services||Provides home purchase counseling, geared towards first-time home buyers, along with home rehabilitation services for low income individuals who need to make repairs for health, safety, or accessibility reasons, and foreclosure prevention counseling for those struggling to maintain current mortgage payments.||Clinton||HOUSING OPTIONS||FRIENDS OF THE NORTH COUNTRY|
|Housing Services||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.||HOUSING PROGRAMS||MONEY MANAGEMENT INTERNATIONAL CONSUMER CREDIT COUNSELING|
|Housing Services||The Albany County Rural Housing alliance (ACRHA) is a HUD approved Housing Counseling agency. Counseling services are free of charge and available to anyone, regardless of location or income level.
||Albany||HUD CERTIFIED HOUSING COUNSELING AGENCY||ALBANY COUNTY RURAL HOUSING ALLIANCE (ACRHA)|
|Housing Services||TRIP offers pre and post purchase housing and financial programs and services to assist first time home-buyers and current homeowners to be successful over the long term. Services include individual housing and financial counseling, home-buyer education classes, foreclosure prevention services, landlord training, home repairs, and more.||Rensselaer||TRIP HOMEOWNERSHIP CENTER||TROY REHABILITATION AND IMPROVEMENT PROGRAM (TRIP)|
|UNITED STATES DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT||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.||UNITED STATES DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT||UNITED STATES DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT|