Lake Ontario Flood Recovery

The application period closed Friday, September 29, 2017 at 5:00 PM.
Your supporting documentation, estimates and additional information will continue to be accepted if your application was in by the deadline.

Procedural update.
The legislation providing the Flood Relief funding required that we prioritize situation that pose imminent health and safety risks to the occupants. This includes damage to structure, walls and septic systems. This application will be served before stand-alone shoreline applicants.
Stand-alone shoreline damage application will be reviewed and applicants will be contacted if additional information is needed at such time as we are able to serve them. Once you have applied no further action is needed until you are contacted by our staff.

The best way to communicate is via e-mail to floodrelief@pathstone.org. We can respond to at least 10 emails in the time that is spent on one phone call.

Please help us help you more efficiently.

Helping Homeowners and Municipalities Recover from Flood Damage along the Lake Ontario Coastline – Updated

To expedite repairs and the construction of shoreline stabilization projects, Governor Cuomo declared a disaster emergency on May 2, 2017 in counties impacted by spring flooding along the Lake Ontario Coastline: Cayuga, Jefferson, Monroe, Niagara, Orleans, Oswego, St. Lawrence, and Wayne.

To aid in relief and recovery efforts, New York State is providing $22 million in assistance for homeowners, businesses and municipalities. From restoring roads, floodwalls and public water infrastructure to assisting small businesses with physical damage to providing New Yorkers with the help they need to repair their homes, these targeted programs are delivering relief to New York families across the entire Lake Ontario region.

$7 Million Available for Homeowners Impacted by Flooding

New York State Homes and Community Renewal will make available up to $7 million in state funding for homeowners along Lake Ontario and the St. Lawrence River in the aftermath of the extreme weather and severe flooding in the region. The new investment program will provide up to $40,000 for homeowners to support interior and exterior repairs to structural damage caused by flooding, as well as the repair or replacement of permanent fixtures.

For more information about eligibility and program parameters, read the Lake Ontario Home Owner Recovery Assistance Program Fact Sheet.

TO APPLY:

For Homeowners:

Download the application HERE.

The program will be administered through not-for profit housing organizations seeking to help homeowners affected by the flooding. Homeowners seeking assistance are encouraged to contact the not-for-profit organizations that have already expressed interest in serving as program participants to determine eligibility and ask questions about the program. Those organizations are listed below, along with their contact information and the areas they intend to serve:

Cayuga, Monroe and Wayne Counties

Sheen Housing
www.sheenhousing.org
sheen2@rochester.rr.com
585-657-4114

Orleans County

Pathstone
www.thehousingcouncil.org
info@thehousingcouncil.org
585-546-3700

Jefferson, Oswego and St. Lawrence Counties

Neighbors Of Watertown, Inc.
www.neighborsofwatertown.com
Floodinfo@neighborsofwatertown.com
315-782-8497

Niagara County

Niagara Falls Neighborhood Housing Services, Inc.
www.niagarfallsnhs.org
nfnhs@nfnhs.org
716-285-7778

Homeowners may also contact the HCR Office of Community Renewal to express interest by contacting LakeOntario@nyshcr.org or calling 518-474-2057.

** We do not have any information at this time on the pending additional $90 MM for flood victims. We will share information as it becomes available, thank you for your patience. **

It’s Not Too Late to Apply for the Lake Ontario Residential Recovery Program
Deadline Friday September 29th 5pm

Tips For Homeowners Behind on Their Mortgage

1. CONTACT YOUR LENDER
It’s a good idea to keep the lines of communication open. Your lender can be very helpful in explaining your options for keeping the home OR to stall the foreclosure process. If you continuously ignore phone calls from your lender, they may assume you have abandoned the home.

2. REDUCE EXPENSES
The further behind you become on your mortgage, the more expensive the fees and costs become. Your #1 expense is the mortgage payment.  If it is a choice between paying credit cards or the mortgage, you should pay the mortgage as long as your lender/servicer will accept a payment.  If you fall too far behind, the lender/servicer may not accept a payment, as they will want to start the foreclosure process.  It DOES NOT mean they won’t work with you. The foreclosure process will continue while you are attempting to work out a solution with your lender.   The easiest expenses to reduce are “optional” expenses: cable TV, cell phones, gym memberships, eating out, et

3. SAVE MONEY
If your lender/servicer won’t accept a mortgage payment (typically after 60 days past due) and you have one, save it. Your lender/servicer may require some money as a contribution once you are offered a permanent resolution.

4. OPEN ALL MAIL FROM YOUR LENDER/SERVICER
The first notices you receive will offer good information about foreclosure prevention options.  Later mail may include important notice of pending legal action.  In NYS you will also receive a letter about your settlement conference.

5. AVOID FORECLOSURE PREVENTION SCAMS
Many for–profit companies and attorneys will contact you promising that they will save your home.  They may also promise to greatly reduce your monthly payment or interest rate. While most of these businesses are legitimate, they will charge you thousands of dollars for something you can do yourself, or a HUD approved agency will provide for free. Some of these companies may even attempt to try to get you to sign your title over to them.  Never sign any document without reading and understanding WHAT you are signing, or getting legal advice from an attorney.

6. CONTACT A HUD-APPROVED HOUSING COUNSELING AGENCY
The U.S. Department of Housing and Urban Development funds free or low cost housing counseling nationwide. Housing counselors can help you understand the legal process of foreclosure, develop a realistic budget, and communicate with your lender/servicer on your behalf.

Settlement Conferences

A new law passed in February 2010 gives ALL mortgagors the right to a mandatory settlement conference. These conferences are simply a meeting between you, your lender, and a judge/court mediator. The end goal would be to work out an arrangement concerning the delinquent mortgage. The meetings are conducted face to face, and will typically be held in the Supreme Court Chambers of your jurisdiction.

The Housing Council has the ability to help homeowners obtain legal counsel in this matter. The majority of our clients end up being referred to Empire Justice, Volunteer Legal Services, or Legal Aid Society.  We are very successful in obtaining legal counsel for the majority of our clients.

What to Expect During Your Foreclosure Prevention Appointment

1.   To get started you can call us at 585-546-3700 x3015 or toll free at 866-669-1688. The intake specialist will set up an appointment for you to meet with a Foreclosure Prevention Counselor.  At that time, the intake specialist will send you a confirmation and a list of items you should bring to your appointment.  Note. If you prefer a phone appointment, the paperwork would need to be sent to us before we can schedule an appointment. Download Intake Forms

2.    During the appointment your counselor will discuss your situation with you including:

  • What caused (is causing) your hardship
  • We will help develop a budget to determine the best resolution (it will be helpful to know your monthly expenses before you meet with your counselor)
  • We may make suggestions of ways to increase income/decrease expenses.
  • We will explain the New York State Foreclosure Process and explain the varying workout options to stay in your home or transition out.

3.    At the end of the appointment the counselor will give you a client action plan.  This plan summarizes your situation, states the course of action and lists some strategies for you.

4.    After the 3rdparty authorization is set up with lender/servicer, your counselor will contact your lender/servicer to discuss your situation and options. If applicable, you and your counselor will gather the necessary documents to submit to your lender/servicer. The counselor will assist in submitting the application; they will also follow up on the status of your application until a plan has been set up.  Please keep in mind that the process of review can be long (60-90 days on average).

5.    Your counselor will continue to keep you updated on the progress of your application. Your file will remain open with your counselor through the entire process. And they will be able to answer ANY questions you have during this process.

Help for Seniors: Consider a Reverse Mortgage

  • If you are 62 years or older
  • Own your own home
  • Need a financial cushion to help with regular or unexpected expenses
  • Want to know what a Reverse mortgage is, with out the pressure to pursue one

Call The Housing Council to set up a HECM counseling session.

Our HUD approved Reverse Mortgage counselors can explain this complicated loan product to you here in our office or on the phone. A reverse mortgage can be a great tool for seniors to access the wealth they have in their home but it is important to understand how it works.

Our Reverse Mortgage Counselors do not have any association with the lender. Their only motivation is making sure you are educated on the Home Equity Conversion Mortgage process. We want to educate you so you can make the best financial decision for yourself.

Homeowners who complete the counseling session will be issued a certificate. This certificate is required to obtain a Home Equity Conversion Mortgage.

If you have questions on how a Home Equity Conversion Mortgage could benefit you or senior you care about to achieve financial stability and independence, please call 585-546-3700 ext 3033.

Click here to visit the Housing and Urban Development website (hud.gov) to learn more about a HECM reverse mortgage.

When accessing our services if you need assistance due to a language barrier, mobility impairments, visual or hearing impairments or other disabilities please let us know in advance so we can provide the necessary accommodations.

For more information call The Housing Council at 585-546-3700
e-mail us at info@thehousingcouncil.org

Predatory Lending

The Foreclosure Prevention Department screens all clients for possible mortgage abuse and predatory lending. Many homeowners are victims of loan fraud and we are committed to helping individuals avoid these scams. We will also make referrals to the appropriate legal agencies for further review and assistance. If you think you may be the victim of a predatory loan call The Housing Council at 546-3700.

When accessing our services if you need assistance due to a language barrier, mobility impairments, visual or hearing impairments or other disabilities please let us know in advance so we can provide the necessary accommodations.

 

Home Owner Repair Grants Information

Lake Ontario Flood Relief Home Repair Program Application

Please click HERE to download the application.

List of agencies that provide Home Owner Repair Grants/Loans:    

1.   NEAD North East Area Development, Inc

  • Emergency Assistance Repair Program (EARP)
  • Offers up to $250 – $3500 depending on the nature of the repair
  • Call (585) 482-7320 for more information

2.   SEAC (South East Area Coalition, Inc)

  • Need to own home for a minimum of two years
  • County and city taxes must be paid to date
  • Call (585) 244-7405 for more information

3.   Group 14621

  • Provides Home Owner repair grants to residents in the 14621 region
  • Call  (585) 266-4693 for more information

4.   SWPC (South Wedge Planning Committee)

  • Emergency assistance repair grants available to residents located in the South West portion of the city.
  • Homeowners must have lived in the house for at least 3 years
  • Homeowner did not receive a home repair grant from the city in the past 10 years.
  • Call (585) 256-1740 for more information

5.   Marketview Heights Association

  • Owner Occupied Rehabilitation Program
  • Assistance available for single-family owner occupied households located in the Marketview Heights section of the city.
  • Eligibility is based on the household size and income
  • Call (585) 423-1540 for more information

6.   Accessibility grants

  • CP Rochester, call (585) 334-6000 ext 1225
  • Independent Living,, call (585) 442-6470

7.   Monroe County Home Improvement Program

  • Homeowners must live in the suburban towns and villages
  • Contact the community development office for more information, (585) 753-2000

8.    PathStone Weatherization Assistance Program

  • Assists income-eligible families and individuals by reducing heating/cooling costs and improving the safety of homes or rented property
  • Outside of Rochester City limits in Monroe County
  • Homeowners at or below 60% of area median income.
  • Call (585) 442-2030 for more information

9.   Home Rochester

  • Eligibility: First time buyers at or below 80% of the area median income
  • Rehabilitation of dilapidated single family homes in the City of Rochester
  • Call (585) 428-6888 for more information

10. City of Rochester

For more information about City Grants click here.

11. Community Development Corporation

Available Property Rehabilitation Services:

  • Owner Representation
  • Scope of Work Reports and Inspections
  • Escrow of Project Funds
  • Construction Management
  • Project Warranty
    Call (585) 254-8090 or click here for more information.

NeighborWorks® Home improvement loans

  • Low interest rates
  • Available throughout Greater Rochester
  • Grants available for single-family homes
  • Call (585) 325-4170 for more details

Monroe County Home Improvement Loans

  • Grants and low interest loans
  • Suburban Monroe County residents only
  • Must have owned home at least one full year
  • Call (585) 753-2000 for more information

Town of Greece

  • Limited home repair grants
  • Call (585) 723-2384 or (585) 723-2381 for details

Town of Irondequoit

  • Limited home repair grants
  • Call (585) 336-6021 for details

Rural Development

  • Low interest loans for low-income families in rural areas. (5 counties)
  • Call (585) 343-0442, Ext. 2200.

Action for a Better Community

  • Weatherization and insulation grants
  • Call (585) 442-4160.

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

Foreclosure Prevention

What Can You Do if You Find Yourself Falling Behind in Your Mortgage Payments?

The goal of The Housing Council is to help homeowners avoid foreclosure.

If you already have an appointment or would like to make an appointment, download the Foreclosure Prevention Intake form and call our intake specialist at 546-3700 ext 3015.

Who we serve

We serve borrowers of owner-occupied 1-4 unit homes in NYS who are at risk of losing their homes to foreclosure.  Our service is free and confidential to anyone. There are no income guidelines.

What we do

  • We assess each client’s individual situation during a face to face or phone appointment.
  • Gathering necessary information to determine what options will best suit each individual.
  • We will handle all aspects of the loss mitigation process, acting as an advocate between the client and the lender/servicer.  Your counselor will be able to answer your questions about loss mitigation options (workouts with lender/servicer) and the foreclosure process. We are determined to obtain the best resolution for our clients.

What to expect during your foreclosure prevention appointment

1.   To get started you can call us at 585-546-3700 x3015 or toll free at 866-669-1688. The intake specialist will set up an appointment for you to meet with a Foreclosure Prevention Counselor.  At that time, the intake specialist will send you a confirmation and a list of items you should bring to your appointment.  Note. If you prefer a phone appointment, the paperwork would need to be sent to us before we can schedule an appointment. Foreclosure Prevention Application

2.    During the appointment your counselor will discuss your situation with you including:

  • What caused (is causing) your hardship
  • We will help develop a budget to determine the best resolution (it will be helpful to know your monthly expenses before you meet with your counselor)
  • We may make suggestions of ways to increase income/decrease expenses.
  • We will explain the New York State Foreclosure Process and explain the varying workout options to stay in your home or transition out.

3.    At the end of the appointment the counselor will give you a client action plan.  This plan summarizes your situation, states the course of action, and provides some strategies for you.

4.    After the 3rd party authorization is set up with lender/servicer, your counselor will contact your lender/servicer to discuss your situation and options. If applicable, you and your counselor will gather the necessary documents to submit to your lender/servicer. The counselor will assist in submitting the application; they will also follow up on the status of your application until a plan has been set up.  Please keep in mind that the process of review can be long (60-90 days on average).

5.    Your counselor will continue to keep you updated on the progress of your application. Your file will remain open with your counselor through the entire process. And they will be able to answer ANY questions you have during this process.

Facts about foreclosure

In New York State Foreclosure is a lengthy legal process. A lender can start foreclosure when a loan is 4 payments past due. Timeframe varies greatly from case to case. Typically the foreclosure process is at least 1 year. The lender/servicer is willing to work with borroers to avoid foreclosure at ANY TIME during this long legal process.

Facts about our agency

The Housing Council’s Foreclosure Prevention Department has been servicing our community for 20 years. In 2014, our department met with 800 at-risk homeowners. Statistics show that 94% were able to avoid foreclosure and still own their home or sold to someone else instead of being foreclosed on. In 2015, the Foreclosure Prevention Department has met with 645 households.

When accessing our services if you need assistance due to a language barrier, mobility impairments, visual or hearing impairments or other disabilities please let us know in advance so we can provide the necessary accommodations.