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Home Buyer Education, Grants, and Loan Programs

Bishop Sheen Ecumenical Housing Foundation
First Time Home Ownership Loan Program
• Eligible Counties: Monroe, Allegany, Cayuga, Chemung, Livingston,       Ontario, Schuyler, Seneca, Steuben, Tioga, Tompkins, Wayne
• Income limits apply
• Maximum loan amount $3,000
• Maximum loan term 5 years
• Buyer required to invest own funds in transaction

Contact:  Deborah Harris
585-461-4263 ext. 102
Website:   www.SheenHousing.org 

Flower City Habitat for Humanity
0% mortgages for Habitat homes.
• Income and volunteer labor requirements apply

Contact:  585-423-7440

Ibero Development Corporation
For renovated homes
• Price reduction grants
• Closing cost assistance
• Income limits apply

Home ownership education program available in Spanish.

Contact:  585-467-6410 ext. 24

Marketview Heights Association
First time home buyers
• Home buyer education
• Financial assistance for acquisition and closing costs
Home ownership education program available in Spanish.

Contact:  Amy Robbins, 585-423-1540
Website:   www.marketviewheights.org 

NeighborWorks® Rochester
First time home buyer class
• 8 Hr required class satisfies education
requirement for several local lenders

Financial literacy class
• Six-part class covering credit reports, budgeting, lending terms and
practices, savings and investment.

Individual Financial Counseling
• Help with credit repair, budgeting issues
• Counseling for Individual Development Account (IDA) products offered
by various banks.

Lead Hazard Inspections
• For homes buyers who are considering a property for purchase

Contact: Eric Van Dusen
585-325-4170 ext. 316

The Housing Council
First time home buyer education
• Matched savings programs
• Assistance available in suburban Monroe County only
• City properties not eligible

Contact:  Lisa Alcott, 585-546-3700

Regional Center For Independent Living  (RCIL)
Serves individuals with disabilities and their families
First time home buyers:
• Education, advocacy supports and home ownership skills
• Money management/ budgeting
• Benefits advisement
• Accessibility and modification needs evaluation
• Review of financial documents required for mortgage application

Contact: Jane Chase
585-442-6470  x 147
Email: jchase@rcil.org

For First-Time Home Buyers
• Single-family homes in the city of Rochester
• Completely rehabilitated homes with a C of O
• Buyer must occupy home between 3 and 10 years.

Funding Available for Homebuyers
• Maximum grant $6,000 for down payment & closing costs
• Income limits apply
• Grant up to $5,000 to write-down interest rate for buyers getting
mortgages from:  M & T Bank, HSBC Bank or Citizens Bank.
• Home buyer must have $1,000 down payment available upon signing
purchase offer.
• Home buyer must contribute additional $500 toward closing costs.

Contact:  Miriam C. Zinter, Project Manager
Rochester Housing Development Fund Corporation
Website:    www.homerochester.org

Rural Development (USDA)
Subsidized mortgages through the U. S. Department of Agriculture.
• Interest rates 1 – 8%
• Available in Monroe County south of the Thruway and
west of Manitou Road
• Borrower income limits apply
• New construction and existing homes
• Maximum loan amount $80,000 – $85,000

Contact:  585-343-0442

Pathstone, Inc.
Homebuyer Education and Counseling
• 10 -12 hour Homebuyer Education course

Follow voice message instructions to register for an Information Session.

Call the Information Line below:
• Monroe County: 585-340-3302,
Carleen Wade – cwade@ruralinc.org
• Genesee and Orleans Counties: 585-343-7297
Tammy Hyman . – thyman@ruralinc.org
• Ontario and Wayne Counties: 585-234-3565
Dee Frey – dfrey@ruralinc.org

The Home Store
Home buying assistance for first-time low and moderate-income home buyers

• Pre and Post Purchase Home Buyer Education Workshops
• One-on-One Counseling (financial, mortgage, etc.)
• Financial Education Workshops
• Down Payment/Closing Cost assistance

Contact:  Evelyn Garcia
585-325-6530 ext. 3078

If you have any questions call our Housing Hotline at 585-546-3700 or e-mail your question to us at info@thehousingcouncil.org