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, click here to download the intake forms.

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

Facts about foreclosure

 In New York State it takes 9-12 months, or possibly longer, for a foreclosure to happen. The lender/servicer is willing to work with borrowers to avoid foreclosure at ANYTIME during this long legal process.

Facts about our agency

The Housing Council’s Foreclosure Prevention Dept has been around for 20 years. In 2009, our dept met with 1069 at-risk homeowners.

Statistics show that 92% were able to avoid foreclosure.  

In 2008, 795 households came through the department.  Research done in 2009 showed that 97% still own their home or sold to someone else instead of being foreclosed on. 

-We recently partnered with Consumer Credit Counseling of Central NY. This allows our clients to receive on the spot intensive and detailed debt management counseling.

Please use the following links to learn more: