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Tell us more about what services you’re interested in

For us to help you, we need to know which of the services that we offer that you would like to know more about. Please read the descriptions of the programs and services we offer below, and then select the ones you’re interested in and then we can get started crafting a custom plan just for you!

 Homebuyers

We are a proud HUD-Approved Housing Counseling Agency and Adopter of the National Industry Standards offering Advisement and Group Workshops for Homebuyers and Homeowners. As funding permits, we also administer State & Federally funded grant programs for down payment/closing cost assistance and repairs.


    
I need help determining if I'm ready to buy a home.


    
I would like to take Home Buyer Education LIVE


    
I would like to take online Home Buyer Education.


 Homeowners

We are a proud HUD-Approved Housing Counseling Agency and Adopter of the National Industry Standards offering Advisement and Group Workshops for Homebuyers and Homeowners. As funding permits, we also administer State & Federally funded grant programs for down payment/closing cost assistance and repairs.


    
I am behind on my mortgage/ I am afraid of falling behind on my mortgage.


    
Does your home need small repairs that you can't afford and you live in Rensselaer County?


 Education

We are a proud HUD-Approved Housing Counseling Agency and Adopter of the National Industry Standards offering Advisement and Group Workshops for Homebuyers and Homeowners. As funding permits, we also administer State & Federally funded grant programs for down payment/closing cost assistance and repairs.


    
I need help with: credit, debt, savings, or other goals.


    
I want to learn how to do minor home repairs.


    
I want to learn how to be a successful landlord.


 Small Cities & HIP Grants

For first-time homebuyers to apply for downpayment assistance who are looking to purchase in Rensselaer County outside the City of Troy (Small Cities) or in the City of Troy including Lansingburgh (Homebuyer Incentive Program -H.I.P.). All future homebuyers who are interested must meet the following requirements to apply: Be a first-time homebuyer as defined by HUD Have already participated and completed Pre-Purchase counseling by a HUD Certified Counselor and education with a HUD Certified counseling agency. Have at least $1,500 in a bank account that has not been touched for the past 3 months. * This can be a culmination of bank accounts but must be your accounts. Have a Pre-Approval No outstanding credit obligations on your credit report MUST NOT be under contract on a home. Agree to reside in the home for a 10 years


    
Select this if you are applying for the Small Cities and/or HIP grant programs. (Small Cities not currently available)


 Secured Credit Card Program

In order to qualify for this program a participant must have experienced a financial hardship related to Covid-19. Our goal is to help individuals who have been affected by Covid-19, and are looking to establish or re-establish their credit.


    
Have you been financially hit by covid-19?



 Consent to Receive Documents Electronically

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