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      <image:title>The Housing Council at PathStone Blog - Programs available to Help tenants - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>The Housing Council at PathStone Blog - New Programs to help Small Business Landlords - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.thehousingcouncil.org/50years</loc>
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      <image:title>50 Years - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>50 Years - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>50 Years - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>50 Years - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>50 Years - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Welcome</image:title>
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      <image:title>Welcome</image:title>
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      <image:title>Welcome</image:title>
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      <image:title>Welcome - We all Deserve the Comfort of Home</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/1553106786800-LAHVK2WL52B9Y2O6G7R6/couple-home-house-1288482.jpg</image:loc>
      <image:title>Welcome - realtor handing house keys to couple</image:title>
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    <image:image>
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      <image:title>Welcome - Smiling young mixed race couple in kitchen</image:title>
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    <image:image>
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      <image:title>Welcome - young couple in new house</image:title>
      <image:caption />
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    <image:image>
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      <image:title>Welcome - New home with grass and gray sliding</image:title>
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    <image:image>
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      <image:title>Welcome - Smiling black woman with flowers</image:title>
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    <image:image>
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      <image:title>Welcome - yellow paint in tray with person holding roller</image:title>
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    <image:image>
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      <image:title>Welcome - man holding house keys with pride keychain</image:title>
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    <image:image>
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      <image:title>Welcome - Brick home in the city</image:title>
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    <image:image>
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      <image:title>Welcome - hands of men shaking hands</image:title>
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      <image:title>Tenant Services Overview</image:title>
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    <lastmod>2023-02-06</lastmod>
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      <image:title>Help for Seniors</image:title>
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    <loc>https://www.thehousingcouncil.org/schedule-a-dhs-inspection</loc>
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    <lastmod>2026-03-13</lastmod>
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    <loc>https://www.thehousingcouncil.org/mission-and-vision</loc>
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    <lastmod>2023-10-25</lastmod>
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      <image:title>Mission and Vision - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.thehousingcouncil.org/pre-purchase-education-and-counseling</loc>
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    <lastmod>2025-08-11</lastmod>
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    <loc>https://www.thehousingcouncil.org/landlord-services-overview</loc>
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    <lastmod>2025-11-18</lastmod>
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      <image:title>Landlord Services Overview</image:title>
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    <loc>https://www.thehousingcouncil.org/community-partner-organizations</loc>
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    <lastmod>2025-07-11</lastmod>
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    <loc>https://www.thehousingcouncil.org/success-stories</loc>
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    <lastmod>2023-10-25</lastmod>
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      <image:title>Success Stories - Inez Burns Kettles</image:title>
      <image:caption>ROCHESTER, NY Inez Burns Kettles has been in her home near the Rochester public market since 1994, where she raised her children, ran a daycare center, and continues to throw neighborhood gatherings in the community garden she maintains next to her lot. A combination of factors, including her oldest child’s sickle cell anemia and her own medical issues, led Inez to fall behind on mortgage payments. Despite attempts to rectify her account becoming delinquent, the bank refused to accept payments. With The Housing Council at PathStone by her side, Inez was able to navigate the process with the bank, receive loan modifications, and avoid foreclosure. The Housing Council took weight off her shoulders and empowered her to stay in her beloved home, where friends and neighbors still regularly gather.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/ced5aa0a-cbde-42ea-bb31-e8f802ea4e9d/carolyn.jpg</image:loc>
      <image:title>Success Stories - Carolyn Carol</image:title>
      <image:caption>ROCHESTER, NY Carolyn Carol dreamed of owning a home and giving her children a stable, beautiful place to live. In the midst of a divorce, she encountered multiple challenges on her path to homeownership, including a discrepancy during her credit check that stalled her plans. When the bank denied her pre-approval for a loan, she felt like giving up on her dream. The Housing Council at PathStone provided support and encouragement through every step of the process, urging Carolyn to keep fighting her case — and she won. She closed on her first home — her “mini mansion,” as she puts it — in Rochester in the summer of 2018. Carolyn feels blessed everyday to have a place to call her own.</image:caption>
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      <image:title>Success Stories - Robert McCauley</image:title>
      <image:caption>WEBSTER, NY Robert McCauley was a successful builder in the Rochester community. He built his family’s home in Webster, creating a workshop in the garage, handcrafting furniture and a drop-down movie projector, and adding on a suite for his daughter and her children. When severe heart problems took Bob out of work and piled on hospital bills, he fell behind on mortgage payments and came close to losing the home he worked so hard to build. With the help of The Housing Council at PathStone, Bob and his wife, Deb, were able to secure a loan modification, which reduced his interest rate and made mortgage payments affordable. Today, Bob continues to take on home improvement projects and enjoys having his family close by.</image:caption>
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    <loc>https://www.thehousingcouncil.org/documents-and-resources</loc>
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    <lastmod>2023-10-25</lastmod>
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      <image:title>Documents and Resources</image:title>
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    <lastmod>2026-02-23</lastmod>
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      <image:title>Pre-Purchase Education &amp; Counseling</image:title>
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  <url>
    <loc>https://www.thehousingcouncil.org/housing-discrimination</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-10-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/1555079892132-IRQ37BOOE5K7X8VBRC34/adult-cap-couple-1453986.jpg</image:loc>
      <image:title>Housing Discrimination</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.thehousingcouncil.org/our-team</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/d8b5a96c-4d57-4e57-9a98-5bf8b8a46d6f/Mary+Leo.jpg</image:loc>
      <image:title>Our Team</image:title>
      <image:caption>Mary Leo Executive Director (585)546-3700 x 3033 mleo@pathstone.org</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/6fe62513-5d59-4481-b836-b9aa47b2a1ae/Yisell+Athill-Fonseca.jpg</image:loc>
      <image:title>Our Team</image:title>
      <image:caption>Yisell Athill-Fonseca Deputy of Housing Services Administration (585)546-3700 x 3032 yfonseca@pathstone.org</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/cb7c1262-9ac2-4129-8f19-cc81846d2e4b/Trisha+Isaman.jpg</image:loc>
      <image:title>Our Team</image:title>
      <image:caption>Trisha Isaman Assistant Director (585)546-3700 x 3006 tisaman@pathstone.org</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/90c41c12-e895-4c58-a027-7ca5b9f69044/Sarah+Simson.jpg</image:loc>
      <image:title>Our Team</image:title>
      <image:caption>Sarah Simson Senior Director of Housing Counseling (585)546-3700 x 3007 ssimson@pathstone.org</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/1cc2171a-6a84-498d-8fe7-e5e36b6db4d4/Kelly+Hallenbeck.jpg</image:loc>
      <image:title>Our Team</image:title>
      <image:caption>Kelly Hallenbeck Director of Grants and Programs (585)546-3700 x 3016 khallenbeck@pathstone.org</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/8056b5a3-233b-4fd3-8828-e6277c2137eb/Johanna+Lopez.jpg</image:loc>
      <image:title>Our Team</image:title>
      <image:caption>Johanna Lopez Director of Homeowner Services (585)546-3700 x 3015 jlopez@pathstone.org</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/df1e3414-6f77-488d-a3df-76a09085f3dd/Lisa+Sassone.jpg</image:loc>
      <image:title>Our Team</image:title>
      <image:caption>Lisa Sassone Senior Foreclosure Prevention Counselor (585)546-3700 x 3023 lsassone@pathstone.org</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/ba3badbb-7be5-4323-bf7d-c894c77c22e4/Anita+Bryant.jpg</image:loc>
      <image:title>Our Team</image:title>
      <image:caption>Anita Bryant Senior Foreclosure Prevention Counselor (585)546-3700 x 3030 abryant@pathstone.org</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/06f98ef0-4a6c-4397-8072-e5e017bdd586/Ilana+Sankowski.jpg</image:loc>
      <image:title>Our Team</image:title>
      <image:caption>Ilana Sankowski Mobility Coordinator (585)546-3700 x 3044 isankowski@pathstone.org</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/8aaa51b2-1336-4363-9cba-88adfd874531/Dan+Perry.jpg</image:loc>
      <image:title>Our Team - Make it stand out</image:title>
      <image:caption>Daniel Perry Sr. Housing Counselor (585)546-3700 x 3041 danperry@pathstone.org</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/559d256c-16d4-4851-b180-03bb93d3d20c/Mandeep+Virdi.jpg</image:loc>
      <image:title>Our Team - Make it stand out</image:title>
      <image:caption>Mandeep Virdi Financial Counselor at Financial Empowerment Center (585)252-7110 mvirdi@pathstone.org</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/602a86cd-2dd1-4dd2-844f-9d2be0d1bb87/Ann+Rizzo.jpg</image:loc>
      <image:title>Our Team</image:title>
      <image:caption>Ann Rizzo Intake Specialist (585) 546-3700 x 3040 arizzo@pathstone.org</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/c993b6e5-d80a-474e-8f52-0d4874ab634c/20260212-Albert+Rivera-0041-edit.jpg</image:loc>
      <image:title>Our Team - Make it stand out</image:title>
      <image:caption>Albert Rivera Director of the Financial Empowerment Center (585)252-7110 arivera@pathstone.org</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/0968f289-ffed-4fd1-81ed-a00a02d20eb8/MelindaThomas.jpg</image:loc>
      <image:title>Our Team - Make it stand out</image:title>
      <image:caption>Melinda Thomas Sr. Housing Counselor (585)546-3700 x 3049 mthomas@pathstone.org</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/d40f7e1c-bb30-4498-b7b1-d9e7b8c258af/Sara+Beyerlein+%282%29.jpg</image:loc>
      <image:title>Our Team - Make it stand out</image:title>
      <image:caption>Sara Beyerlein Financial Counselor at Financial Empowerment Center (585)252-7110 sbeyerlein@pathstone.org</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/0f50effd-328d-4f7d-b353-91f2f12a3feb/Paul+Towsley.jpg</image:loc>
      <image:title>Our Team - Make it stand out</image:title>
      <image:caption>Paul Towsley Sr. Housing Counselor (585)546-3700 x 3003 ptowsley@pathstone.org</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/6eab70fb-148d-4c07-9881-ca498323bf3b/Juan+Lozada.jpg</image:loc>
      <image:title>Our Team - Make it stand out</image:title>
      <image:caption>Juan Lozada Sr. Financial Counselor of Financial Empowerment Center (585)252-7110 jlozada@pathstone.org</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/7a237b68-aefa-4dce-8886-71e5e71dcac5/Chris+Raymond.jpg</image:loc>
      <image:title>Our Team</image:title>
      <image:caption>Chris Raymond Deputy for Housing Rehabilitation Programs (585)546-3700 x 3002 craymond@pathstone.org</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/b15cec79-387d-43c7-839f-6b8199b927ef/Susan+Kwik.jpg</image:loc>
      <image:title>Our Team</image:title>
      <image:caption>Susan Kwik Housing Rehabilitation Administrator (585)546-3700 x 3020 skwik@pathstone.org</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/a5680cd0-ea29-462b-ba85-7d7c35465181/Gloria+Taveras.jpg</image:loc>
      <image:title>Our Team - Make it stand out</image:title>
      <image:caption>Gloria Taveras Home Rehabilitation Specialist (585)546-3700 x 3017 gtaveras@pathstone.org</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/1d1d7c7a-b654-493e-b088-073124ca18c5/Allan+Rayburn.jpg</image:loc>
      <image:title>Our Team - Make it stand out</image:title>
      <image:caption>Allan Rayburn Construction Manager (585)546-3700 arayburn@pathstone.org</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.thehousingcouncil.org/housing-discrimination-1</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-10-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/1555078076647-KKARE2Y433Q5NRLLXKI2/Rainbow+flag+key.jpg</image:loc>
      <image:title>Housing Discrimination</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.thehousingcouncil.org/contact</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-08-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/16daeab6-5d6b-4967-a871-e1793115449c/bldg-cropped.jpg</image:loc>
      <image:title>Contact - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.thehousingcouncil.org/find-an-apartment</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-31</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/1555078706679-4MP2Q1AYL6DDP3Y9AUYW/airbnb-apartment-chairs-1428348.jpg</image:loc>
      <image:title>Find an Apartment - clean living room</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/1555078863081-YYDUMLHIW5W4BVFJVJMT/mark-adriane-283535-unsplash.jpg</image:loc>
      <image:title>Find an Apartment - apartment building with balconies</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/1555078903833-M0ZH9SOMJVLE7WP18JJ6/anneliese-phillips-14460-unsplash.jpg</image:loc>
      <image:title>Find an Apartment - brick apartment building</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/1555078881519-KUDFTZZW36IPELG3DESN/dillon-shook-567905-unsplash.jpg</image:loc>
      <image:title>Find an Apartment - man on couch with feet up</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/1555078885806-TAZP6T3DRAP074UOINRX/london-wood-co-1215836-unsplash.jpg</image:loc>
      <image:title>Find an Apartment - living space in apartment with hardwood floors and big window</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/1555078920915-DH9CZNG8ZKN5EW3SDXZU/vadim-sherbakov-277610-unsplash.jpg</image:loc>
      <image:title>Find an Apartment - bookshelf and desk by window</image:title>
      <image:caption />
    </image:image>
  </url>
  <url>
    <loc>https://www.thehousingcouncil.org/free-resources</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-11-18</lastmod>
  </url>
  <url>
    <loc>https://www.thehousingcouncil.org/advertise-your-units</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-12-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/1555079372500-EE43GTQGW308VRE9IILV/Landlors+hands+over+keys+to+tenants.jpg</image:loc>
      <image:title>Advertise Your Units</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.thehousingcouncil.org/homeowner-services-overview</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-10-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/1554994439815-SXK7LZX159MGUADFBQJR/Bob+drinks+a+cup+of+coffee+while+contemplating+his+home.jpg</image:loc>
      <image:title>Homeowner Services Overview</image:title>
      <image:caption>BobB</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.thehousingcouncil.org/foreclosure-prevention</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-04-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/1555083610416-UGVGYFFOGRY228FV4FTR/HomeownerContractReview.jpg</image:loc>
      <image:title>Foreclosure Prevention</image:title>
      <image:caption>A homeowner’s contract is reviewed by a HUD approved housing counselor</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.thehousingcouncil.org/homeowner-repair-grants-info</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-01-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/1555077606278-MHGH9YJHQF4FSQBXVCD4/Painting+house.jpeg</image:loc>
      <image:title>Homeowner Repair Grants Info</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.thehousingcouncil.org/forms-and-resources</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-11-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/1555080381092-V55928SGB8QNHNIFBC88/Landlord+chair+computer.jpg</image:loc>
      <image:title>Forms and Resources</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.thehousingcouncil.org/community-services-overview</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-10-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/1555083659618-VB2XMEN580142F3JWPRC/handshake+image</image:loc>
      <image:title>Community Services Overview</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.thehousingcouncil.org/faqs</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-07-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/d6a42941-566d-4d8b-8da3-e61dea39224b/architecture-building-country-home-1884269.jpg</image:loc>
      <image:title>FAQs - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.thehousingcouncil.org/donate</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-05-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/a4d136b9-88b2-4579-9d72-75e642f04e2e/apartments-architecture.jpg</image:loc>
      <image:title>Donate - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.thehousingcouncil.org/terms-policies</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-03-03</lastmod>
  </url>
  <url>
    <loc>https://www.thehousingcouncil.org/2019-annual-report</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-01-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/1674659168678-352HOPX8BCFZBZM43E5W/2100Artboard%2B2-edit.jpg</image:loc>
      <image:title>2019 Annual Report</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/1604923426993-PY1VT86MH6FI4RPBIRVV/1200Artboard+7.jpg</image:loc>
      <image:title>2019 Annual Report - Our Mission</image:title>
      <image:caption>The Housing Council at PathStone serves to increase successful homeownership and tenancy experiences for low-to-moderate-income residents in Monroe County and surrounding counties. The Housing Council at PathStone provides housing counseling and intervention services for tenants, and homeowners, plus comprehensive assistance and direct training to landlords. In addition, the agency maintains a Housing Hotline, promotes fair housing awareness, publishes a rental registry, and provides inspection services for rental programs. *The Housing Council at PathStone is proud to help over 8,000 households annually.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/1604924560444-0OLUYD4T7OJGQGE34DN0/1200Artboard+7+copy+11.jpg</image:loc>
      <image:title>2019 Annual Report - Meet Olga</image:title>
      <image:caption>Ms. Olga Rojas first met with The Housing Council counselors in June of 2018 as she was facing a possible foreclosure on her home. In efforts to save her home and herself, she decided to file for an emergency Chapter 13 Bankruptcy. When her bankruptcy stay was lifted, the foreclosure process was able to continue. Our team then decided to apply Ms. Rojas for a modification which put a hold on the foreclosure process while it was in review. Our team's quick thinking and action helped to hold off her foreclosure sale date but only for a brief period. Unfortunately, the modification was denied because the bank wasn't able to create an affordable payment based on her delinquency status and a foreclosure sale date was scheduled for September 11, 2018. At this point, The Housing Council applied Ms. Rojas for the Mortgage Assistance Program (MAP) and her bankruptcy attorney requested another automatic stay with the help of legal aid — converting her Chapter 13 into a Chapter 7. The final hurdle that we successfully overcame was a second lien with the City of Rochester, and while Ms. Rojas’ MAP application was approved to pay off her entire mortgage loan balance. Thanks to our incredible team who truly believes in our mission, today, Ms. Rojas’ mortgage is free and clear.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/1604946005139-2ZH4U0BY890K06U2U4D5/1200Artboard%2B7%2Bcopy%2B5.jpg</image:loc>
      <image:title>2019 Annual Report</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/1604945478811-DLK890YJZ8D4HKAS7781/r8-numbers--Artboard+30+copy+3%401600x-8.png</image:loc>
      <image:title>2019 Annual Report - 184</image:title>
      <image:caption>New Homeowers</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/1604945563449-UX4U8F3J5M7X8X4LTIBT/r8-numbers--Artboard+30+copy+4%401600x-8.png</image:loc>
      <image:title>2019 Annual Report</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/1604945769187-Z6FLN2P1ILBYRTI85WU8/r6--Artboard%2B7%2Bcopy%2B4%25401600x-50.jpg</image:loc>
      <image:title>2019 Annual Report</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/1604945688240-K48B3XKPZ3UMP6TH8USL/r8-numbers--Artboard+30+copy+6%401600x-8.png</image:loc>
      <image:title>2019 Annual Report</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/1604945676479-0QFTEO35MVI11W5HCFNE/r8-numbers--Artboard+30+copy+5%401600x-8.png</image:loc>
      <image:title>2019 Annual Report</image:title>
    </image:image>
    <image:image>
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      <image:title>2019 Annual Report</image:title>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/1604945715942-YT0I9Y1FI7F8M80TB1IF/r8-numbers--Artboard+30+copy+7%401600x-8.png</image:loc>
      <image:title>2019 Annual Report</image:title>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/1605014142905-LFGACMHC0EHQQO1MJGGZ/blue-table3.gif</image:loc>
      <image:title>2019 Annual Report</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/1605013761622-9R48BP5E021E8PS5TPIU/green-table5.gif</image:loc>
      <image:title>2019 Annual Report</image:title>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/1604932105208-HQXIK7LHKKS8W9OZLZHN/800Artboard+7+copy+6.jpg</image:loc>
      <image:title>2019 Annual Report - Our Community Impact</image:title>
      <image:caption>The Housing Council at PathStone is growing and transforming. We recognize that there are many people who struggle to find safe, stable, and affordable housing — especially with the turn of unprecedented events we are experiencing today. This is why we remain flexible and innovative as we strive to be a dependable and comprehensive resource for the Rochester community. We continue to offer classes, promote fair housing awareness, assist with grant applications, and connect people to community resources. More people than ever are facing foreclosures, evictions, and even homelessness. By helping people find, maintain, and keep their homes, The Housing Council serves as a cornerstone of our community. Our services help so many of our community members, and they can help you, too. Contact us today to learn more about what we do!</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/1604954725301-WYZMHH0S8C6WDDZNIB1L/1920-nArtboard+7+copy+8.jpg</image:loc>
      <image:title>2019 Annual Report - Thank you to our generous supporters!</image:title>
      <image:caption>The Housing Council at PathStone is a 501(c)(3) charitable organization that relies on generous benefactors and their donations to continue providing safe, stable, and affordable housing to our clients. Without your support, we would not be able to fulfill our mission. Your generosity has truly made a difference in the lives of thousands of Rochester residents from October 2018 - September 2019. For this incredible support, we would like to say thank you and extend our utmost gratitude.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/1604936489874-VWVMQD9IPTIGID4OZ40T/r6--Artboard+7+copy+17%401600x-50.jpg</image:loc>
      <image:title>2019 Annual Report - Funding Sources</image:title>
      <image:caption>Center for NYC Neighborhoods City of Rochester County of Monroe Enterprise Community Partners ESL Federal Credit Union Five Star Bank KeyBank Legal Aid Society of Rochester NY State Office of the Attorney General PathStone Corporation Rural Housing Opportunities Corporation Town of Irondequoit U.S. Department of Housing and Urban Development United Way of Greater Rochester Wells Fargo</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/1604936574963-37XBQ9B1LBC1OR1VVLET/r4--Artboard+7+copy+13%401600x-50.jpg</image:loc>
      <image:title>2019 Annual Report - Looking Ahead</image:title>
      <image:caption>As we continue to grow and transform, we look forward to furthering our support and providing the necessary services and resources to increase successful homeownership and improve tenancy experiences for low-to-moderate-income residents. We look forward to celebrating The Housing Council at PathStone’s commitment to providing Rochester residents with safe, affordable, and stable housing for nearly 50 years. The dedication of our staff and the tremendous support from so many community members, donors, and supporters are why we’ve been able to continue serving our community for half a century!</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/1604933939469-13WQ7BR80LF0140VNQRW/1200Artboard+7+copy+2.jpg</image:loc>
      <image:title>2019 Annual Report</image:title>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/1604936854713-QZSGPQ5PMBMUWEWID3KR/1200-gArtboard+7+copy+15.png</image:loc>
      <image:title>2019 Annual Report</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.thehousingcouncil.org/share-your-story</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-10-25</lastmod>
  </url>
  <url>
    <loc>https://www.thehousingcouncil.org/lhrp</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-04-24</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/d9183bfa-d51f-4183-8245-6ba480713c1d/LEAP+key+graphic.png</image:loc>
      <image:title>Landlord Housing Rehab Program</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/1674669009209-M936GVV1H87RHK1G0PI2/GHS%2Blogo%2B4.jpg</image:loc>
      <image:title>Landlord Housing Rehab Program - Geneva Housing Authority logo</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/1674668974004-NKWR0ROXCRS5KBU2S2JC/Newark%2BHS.jpg</image:loc>
      <image:title>Landlord Housing Rehab Program - Newark Housing Authority logo</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/1674669022238-7J6TBJAXHZ4JE2OVGIPS/Wayne%2Blogo.jpg</image:loc>
      <image:title>Landlord Housing Rehab Program - Wayne County logo</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/1674669038087-BUELK437AHN3T0QEH84V/Untitled%2Bdesign%2B%25286%2529.jpg</image:loc>
      <image:title>Landlord Housing Rehab Program - Enterprise logo</image:title>
      <image:caption />
    </image:image>
  </url>
  <url>
    <loc>https://www.thehousingcouncil.org/operating-rental-property</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-08-28</lastmod>
  </url>
  <url>
    <loc>https://www.thehousingcouncil.org/home-fair</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-01-21</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/18c58498-5f15-401b-8579-6cee2ea687be/Simple+2024+Home+Fair+logo.jpg</image:loc>
      <image:title>Home Fair - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/c77ed39e-80a8-4c96-9618-8013f5c45709/HOMEFAIR.png</image:loc>
      <image:title>Home Fair - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/1550859618434-HFUFBF26X9UA5F9RN7MG/HCPS_logo_2019_rgb.png</image:loc>
      <image:title>Home Fair - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/8bb592cc-bc82-44d4-a01d-2a72cdacde06/MonroeCounty_Green_+Bello2020.jpg</image:loc>
      <image:title>Home Fair - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.thehousingcouncil.org/rochesterfec</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-10-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/4460dd18-3c52-4d48-8c4a-a1f8f49bf9d1/FEC+Logo.jpg</image:loc>
      <image:title>Rochester Financial Empowerment Center</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.thehousingcouncil.org/20232024-annual-report</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-12-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/f3f47f11-d222-44ba-bb2e-4a28c3d898a2/Heading+%282000+x+1500+px%29.jpg</image:loc>
      <image:title>2023-2024 Annual Report</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.thehousingcouncil.org/leadership-page</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-10-31</lastmod>
  </url>
  <url>
    <loc>https://www.thehousingcouncil.org/spanish-fcp-page</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-11-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/f19c6e4d-a9f1-4104-8a8b-206d6c77d4c9/Untitled+design+%287%29.jpg</image:loc>
      <image:title>Spanish Language FCP</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.thehousingcouncil.org/community-choice-demonstration-copy</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-03-05</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/028f47c6-257a-4c9e-ace3-32aed0f4c082/image-asset.jpeg</image:loc>
      <image:title>Community Choice Demonstration (Copy)</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/d38c4f38-b97d-4623-9d0a-e64d1254f609/RHA+logo.png</image:loc>
      <image:title>Community Choice Demonstration (Copy) - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.thehousingcouncil.org/ehome-online</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-08-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/906db328-fb47-42f8-86e8-38d6b6f3057d/ChatGPT+Image+Apr+25%2C+2025%2C+10_07_01+AM.jpg</image:loc>
      <image:title>eHome Online</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/2c689670-2806-4e28-8c94-c82a2e4b2b47/Budgeting+%26+Credit+Icon+Design.png</image:loc>
      <image:title>eHome Online - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/eb0eaac1-71d2-4c8c-9620-b11ef630cb3d/Screenshot+2025-04-25+110807.png</image:loc>
      <image:title>eHome Online - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/8d853756-33a4-4dde-ab0b-05abe599db2a/Screenshot+2025-04-25+110816.png</image:loc>
      <image:title>eHome Online - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/cde19aa6-c958-4427-a3a0-75a4bb015a1c/Screenshot+2025-04-25+110822.png</image:loc>
      <image:title>eHome Online - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.thehousingcouncil.org/making-moves-program</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-02-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/7d8f5b3f-cd98-45e9-9ba0-3149245715ef/Making+Moves+CC+graphic+%283%29.jpg</image:loc>
      <image:title>Making Moves Program - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.thehousingcouncil.org/mmhousingprovider</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-31</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c703d3af4e53125880d7863/24e79b42-2bfc-4811-8a6f-6bbf22c42964/Enterprise_MMP_Carousel+Posts_06.jpg</image:loc>
      <image:title>Housing Provider Information - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.thehousingcouncil.org/1-on-1-counseling</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-02-18</lastmod>
  </url>
</urlset>

