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New York HUD Approved Housing Counseling Agencies and Programs Offered
New York is a judicial foreclosure state, which provides homeowners with significant legal protections, including the right to a mandatory settlement conference. However, the high cost of property taxes and the complexity of state-specific loan modifications make professional guidance essential. Whether you are in the middle of a "90-day notice" period or have received a legal summons, these non-profit agencies are certified by the federal government to provide free or low-cost intervention.
The agencies listed below act as a bridge between homeowners and mortgage servicers. They assist with loan modifications, short sales, deeds-in-lieu of foreclosure, and credit restoration. Many also serve as entry points for the Homeowner Protection Program (HOPP), a statewide initiative funded by the New York State Attorney General to ensure every New Yorker has access to a housing counselor or legal aid attorney.
Note that in NY there is the Mandatory Settlement Conference
In New York, once a foreclosure action is filed in court, the law requires the court to schedule a settlement conference. Do not ignore this notice. You should bring a HUD-certified counselor from one of the agencies below to this conference. They can help you present a viable modification package to the bank’s attorneys, often stopping the foreclosure process entirely.
New York City (The Five Boroughs)
- Affordable Housing Centers of America - 2-4 Nevins Street, 2nd Floor, Brooklyn, NY 11217. Phone: 718-246-8080.
Unique Service: Offers comprehensive pre-purchase and post-purchase counseling for urban homeowners.
- Asian Americans for Equality (Multiple Locations) - 111 Division St, NY 10002; 108 Norfolk St, NY 10002; 133-04 39th Ave, Flushing, NY 11354. Phone: 212-964-2288.
Unique Service: Provides multilingual counseling in Mandarin and Cantonese for immigrant homeowners.
- Brooklyn Cooperative Federal Credit Union - 1474 Myrtle Ave, Brooklyn, NY 11237. Phone: 718-418-8232.
Unique Service: Combines housing counseling with community credit union banking resources.
- Brooklyn Housing and Family Services - 415 Albermarle Road, Brooklyn, NY 11218. Phone: 718-435-7585.
Unique Service: Specialized help for low-to-moderate income families facing displacement.
- Brooklyn Neighborhood Improvement Association - 482 Saint Johns Pl, Brooklyn, NY 11213. Phone: 718-773-4116.
Unique Service: Localized advocacy for Central Brooklyn property owners.
- CAMBA - Church Avenue Merchants Block Association - 884 Flatbush Avenue, Brooklyn, NY 11226. Phone: 718-282-2500.
Unique Service: Large-scale non-profit providing holistic support, from legal aid to emergency housing.
- Carroll Gardens Association - 201 Columbia St, Brooklyn, NY 11231. Phone: 718-243-9301.
Unique Service: Focuses on the preservation of affordable housing in waterfront communities.
- Chhaya Community Development Corporation - 37-43 77th Street, 2nd Floor, Jackson Heights, NY 11372. Phone: 718-478-3848.
Unique Service: Specializes in "Basement Apartment" advocacy and South Asian homeowner rights.
- Cypress Hills Local Development Corporation - 3214 Fulton Street, Brooklyn, NY 11208. Phone: 718-647-8100.
Unique Service: Offers green housing initiatives and neighborhood revitalization programs.
- Greenpath, Inc. (Multiple Locations) - 3250 Westchester Ave, Bronx; 175 Remsen St, Brooklyn; 120 Broadway, Manhattan; 250 W 34th St, Manhattan. Phone: 888-860-4167.
Unique Service: National leader in debt management and credit score restoration.
- Harlem Community Development Corporation - 163 West 125th Street, 17th floor, New York, NY 10027. Phone: 212-961-4100.
Unique Service: State-run agency focusing on upper Manhattan economic empowerment.
- Harlem Congregations for Community Improvement - 2854 Frederick Douglass Blvd, New York, NY 10039. Phone: 212-281-4887.
Unique Service: Faith-based initiative focusing on affordable rental and homeownership development.
- Housing Conservation Coordinators (HCC) - 777 Tenth Avenue, New York, NY 10019. Phone: 212-541-5996.
Unique Service: Specializes in legal services and technical assistance for Hell's Kitchen residents.
- Housing Partnership Development Corp. - 450 7th Avenue, New York, NY 10123. Phone: 646-217-3392.
Unique Service: Works with developers to create new affordable homeownership opportunities.
- Margert Community Corporation - 325 Beach 37th Street, Far Rockaway, NY 11691. Phone: 718-471-3724.
Unique Service: Specialized counseling for coastal residents and flood-impacted homeowners.
- Money Management International (MMI) - 26 Court Street, Brooklyn, NY 11242. Phone: 866-889-9347.
Unique Service: Appointments are needed in advance. High-volume counseling for reverse mortgages and budget management.
- Nazareth Housing Inc. - 19 East 11th Street, New York, NY 10009. Phone: 212-777-1010.
Unique Service: Provides emergency homelessness prevention and stability for low-income families.
- Neighborhood Housing Services (NHS) Locations:
Unique Service: These hubs offer specific local grants and down-payment assistance programs. https://hcr.ny.gov/housing-counseling-agencies
- NHS North Bronx: 1178 East Gun Hill Road. 718-881-1180.
- NHS South Bronx: 200 East 161st Street. 718-992-5979.
- NHS Bedford-Stuyvesant: 1012 Gates Avenue. 718-919-2100.
- NHS East Flatbush: 2806 Church Avenue. 718-469-4679.
- NHS Jamaica: 89-70 162nd Street. 718-291-7400.
- NHS Staten Island: 1205 Castleton Avenue. 718-442-8080.
- NHS NYC (Manhattan): 307 West 36th St. 212-519-2500.
- NHS Northern Queens: 60-20 Woodside Avenue. 718-457-1017.
- Neighbors Helping Neighbors - 443 39th Street, Brooklyn, NY 11232. Phone: 718-686-7946.
Unique Service: Focuses on tenant organizing and first-time homebuyer education in Sunset Park.
- New York City Commission on Human Rights - (Locations in Bronx, Brooklyn, Manhattan, Queens, Staten Island). Phone: 212-306-7450.
Unique Service: Investigates cases of mortgage discrimination and fair housing violations.
- New York Mortgage Coalition - 50 Broad Street, New York, NY 10004. Phone: 212-742-0762.
Unique Service: A partnership of non-profits and lenders offering specialized loan products.
- Northern Manhattan Improvement Corporation - 76 Wadsworth Avenue, New York, NY 10033. Phone: 212-822-8300.
Unique Service: Offers combined legal and housing services for Washington Heights and Inwood.
- Northfield Community LDC of Staten Island - 160 Heberton Ave, Staten Island, NY 10302. Phone: 718-442-7351.
Unique Service: Focuses on the North Shore of Staten Island with a heavy emphasis on community development.
- Operation HOPE, Inc - 2511 Frederick Douglass Blvd, New York, NY 10030. Phone: 917-477-2800.
Unique Service: Focuses on "financial dignity" through credit building and entrepreneurship education.
- Pratt Area Community Council - 1224 Bedford Avenue, Brooklyn, NY 11216. Phone: 718-783-3549.
Unique Service: Advocacy for historic preservation and affordable community-owned housing.
- RiseBoro Community Partnership - 217 Wyckoff Avenue, Brooklyn, NY 11237. Phone: 718-366-3800. https://www.riseboro.org/housing.
Unique Service: Specialized counseling for seniors and multi-generational households.
- Rockaway Development and Revitalization Corp - 1920 Mott Ave, Far Rockaway, NY 11691. Phone: 718-327-5300.
Unique Service: Focuses on economic revitalization in the Rockaways.
- St. Nicholas Neighborhood Preservation Corp - 11 Catherine Street, Brooklyn, NY 11211. Phone: 718-388-5454.
Unique Service: Combines housing services with workforce development in Williamsburg.
- Strycker’s Bay Neighborhood Council - 61 West 87th Street, New York, NY 10024. Phone: 212-874-7272.
Unique Service: Dedicated housing advocacy for residents of Manhattan's Upper West Side.
- United Jewish Council of the East Side - 235 East Broadway, New York, NY 10002. Phone: 212-233-6037.
Unique Service: Serves the diverse needs of the Lower East Side with a focus on senior housing.
- University Settlement - 184 Eldridge Street, New York, NY 10002. Phone: 212-505-1995.
Unique Service: One of the oldest social service agencies in the country, providing neighborhood-based stabilization.
- West Harlem Group Assistance (Multiple Locations) - 500 West 134th St; 1652 Amsterdam Ave. Phone: 212-862-1399.
Unique Service: Focuses on the redevelopment of properties into permanent affordable housing.
Long Island (Nassau and Suffolk Counties)
- American Debt Resources - 248C Larkfield Road, East Northport, NY 11731. Phone: 631-912-9542.
Unique Service: Expert assistance in negotiating debt settlements before applying for mortgage modifications.
- Bellport, Hagerman, East Patchogue (BHEP) Alliance - 1492 Montauk Highway, Bellport, NY 11713. Phone: 631-286-9236.
Unique Service: Localized housing counseling for Suffolk County's South Shore.
- Community Development Long Island - 1660 Walt Whitman Rd # 130, Melville, NY 11747. Phone: 631-471-1215. https://www.cdli.org
Unique Service: Massive regional hub for Section 8, emergency home repairs, and mortgage help.
- Community Housing Innovations - 285 Sills Road, Building 18, Suite B, Patchogue, NY 11772. Phone 631-475-6390. https://www.communityhousing.org.
Unique Service: Provides transitional housing and path-to-homeownership programs.
- Economic Opportunity Council of Suffolk (Multiple Locations) - Amityville, Bellport, Greenport, Patchogue, Riverhead. Phone: 631-289-2124. https://eoc-suffolk.com.
Unique Service: Comprehensive community action agency providing energy assistance alongside foreclosure help.
- Family and Children’s Association - 336 Fulton Avenue, Hempstead, NY 11550. Phone: 516-292-1300.
Unique Service: Focuses on family stability and the financial health of Nassau County households.
- Greenpath, Inc. - Phone: 888-860-4167.
Unique Service: Provides credit counseling and bankruptcy pre-filing certificates.
- Housing Help, Incorporated - 91-101 Broadway, Greenlawn, NY 11740. Phone: 631-754-0373.
Unique Service: Specialized bilingual assistance for Long Island's north shore.
- La Fuerza Unida, Inc. - 251 School St, Glen Cove, NY 11542. Phone: 516-759-0788.
Unique Service: Focuses on the Hispanic community with Spanish-language housing workshops.
- Long Island Housing Partnership - 180 Oser Ave, Hauppauge, NY 11788. Phone: 631-435-4710.
Unique Service: Administers workforce housing programs and regional down-payment grants.
- Long Island Housing Services - 640 Johnson Avenue, Bohemia, NY 11716. Phone: 631-467-5111.
Unique Service: The primary resource for fair housing enforcement and legal rights advocacy on the Island.
- Nassau County Economic Development (Housing Affairs) - 40 Main Street, Hempstead, NY 11550. Phone: 516-572-1903.
Unique Service: Government-run housing department providing direct links to county programs.
- North Fork Housing Alliance - 110 South St, Greenport, NY 11944. Phone: 631-477-1070.
Unique Service: The only HUD agency specifically serving the rural North Fork.
- The SafeGuard Group - Address is 112 Parkway Drive South, Suite A, Hauppauge NY 11878. Phone: 631-930-9158.
Unique Service: Small-scale, personalized credit and debt reduction plans.
- Town of East Hampton Office of Housing - 159 Pantigo Road, East Hampton, NY 11937. Phone: 631-267-7896.
Unique Service: Municipal resource for residents of the East End.
- Wyandanch Community Development Corp - 59 Cumberbach Street, Wyandanch, NY 11798. Phone: 631-253-0139.
Unique Service: Focuses on grassroots neighborhood improvement and homeowner education.
Hudson Valley & Catskills
- Hudson River Housing - 313 Mill Street, Poughkeepsie, NY 12601. Phone: 845-454-5176
Unique Service: The leading provider of homeless services and housing counseling in Dutchess County.
- Human Development Services of Westchester (HDSW) - 28 Adee St, Port Chester, NY 10573.. Phone: 914-939-2005.
Unique Service: Integrates housing help with community mental health and wellness support.
- Kiryas Joel Community Housing Development Org - 51 Forest Road, Monroe, NY 10950. Phone: 845-782-7790.
Unique Service: Culturally specific housing assistance for the Kiryas Joel community.
- Orange County Rural Development Advisory Corp (RDAC) - 3 North Street, Walden, NY 12586.
. Phone: 845-713-4568..
Unique Service: Specializes in rural home preservation and loan modifications in Orange County.
- Putnam County Housing Corporation - 11 Seminary Hill Road, Carmel, NY 10512. Phone: 845-225-8493.
Unique Service: The primary Section 8 and housing counseling agency for Putnam County.
- Rockland Housing Action Coalition - 475 Route 304, First Floor, New City, NY 10956. Phone: 845-708-5799.
Unique Service: Dedicated to creating and preserving affordable housing in Rockland County.
- Housing Opportunities for Growth (HOGAR) - 17 West Broad Street, Suite 2, Haverstraw, NY 1092. Phone: 845-429-1100.
Unique Service: Bilingual Spanish-language foreclosure prevention in the Haverstraw area.
- Rural Sullivan Housing Corporation - 33 Lakewood Ave, Monticello, NY 12701. Phone: 845-794-0348.
Unique Service: Specialized help for mobile home owners and rural Sullivan County residents.
- RUPCO (Rural Ulster Preservation Company) - 289 Fair St, Kingston, NY 12401. Phone: 845-331-2140. https://www.rupco.org.
Unique Service: Promotes sustainable living through green energy grants and housing aid.
- Westchester Residential Opportunities (WRO) - 470 Mamaroneck Ave, White Plains; 144 N 5th Ave, Mt Vernon; 164 Ashburton Ave, Yonkers. Phone: 914-428-4507. https://wroinc.org.
Unique Service: Expert counseling on reverse mortgages (HECM) and fair housing advocacy.
- Western Catskills Community Revitalization Council - 125 Main Street, Suite 1, Stamford, NY 12167.. Phone: 607-652-2823.
Unique Service: Serves rural Delaware, Schoharie, and Otsego counties with home repair and housing help.
Capital Region
- Affordable Housing Partnership - 255 Orange St, Albany, NY 12210. Phone: 518-434-1730. https://www.ahphome.org/contact-us.
Unique Service: Offers a "Homeowners Tool Library" to help residents maintain their properties.
- Albany County Rural Housing Alliance (Multiple Locations) - 24 Martin Road, Voorheesville, NY 12186. Phone: 518-765-2425.
Unique Service: Essential resource for rural Albany County residents facing mortgage distress.
- Catholic Charities of the Albany Diocese - 40 N. Main Ave, Albany, NY 12203. Phone: 518-436-8997.
Unique Service: Provides emergency financial assistance and shelter referrals.
- United Tenants of Albany - 255 Orange St, Suite 104, Albany, NY 12210.. Phone: 518-436-8997.
Unique Service: Strong focus on eviction prevention and tenant-homeowner mediation.
- CCCS of Central New York - Phone: 800-479-6026.
Unique Service: Specializes in credit restructuring and debt management plans.
- Cornell Cooperative Extension - 50 W High St, Ballston Spa, NY 12020. Phone: 518-885-8995.
Unique Service: University-backed financial education and budget counseling.
- Better Community Neighborhoods, Inc. (BCNI). - 816 Union Street, Schenectady, NY 12308. Phone: 518-372-7616. https://bcnihousing.org/contact-us/.
Unique Service: Local neighborhood improvement through housing rehabilitation.
- Rensselaer County Housing Resources - 409 River Street, Troy, NY 12180. Phone: 518-690-0020.
Unique Service: Helps Troy and Rensselaer residents navigate the HUD grant process.
- Troy Rehabilitation and Improvement Program (TRIP) - 415 River Street, Troy, NY 12180. Phone: 518-690-0020. https://triponline.org/contact-us/.
Unique Service: Offers homebuyer education and landlord-tenant training.
Central NY & Southern Tier
- CCCS of Central New York (Multiple Locations) - Binghamton, Syracuse, Utica, Watertown. Phone: 607-723-2671 (Binghamton) / 315-474-6026 (Syracuse).
Unique Service: Extensive financial counseling network covering the majority of Central NY.
- Metro Interfaith Housing Management Corp. - 21 New St, Binghamton, NY 13903. Phone: 607-772-6766. https://hcr.ny.gov/location/metro-interfaith-housing-management-corp.
Unique Service: Faith-based advocacy for low-income housing in the Southern Tier.
- Catholic Charities (Elmira) - 380 South Main Street, Elmira, NY 14904. Phone: 607-734-4898.
Unique Service: Localized emergency aid and mortgage assistance for Chemung County.
- Cortland Housing Assistance Council - 36 Taylor Street, Cortland, NY 13045. Phone: 607-753-8271.
Unique Service: Dedicated housing help for Cortland County residents.
- Greater Opportunities (formerly Opportunities for Chenango) - 44 W Main St, Norwich, NY 13815. Phone: 607-336-2101. https://www.greaterops.org.
Unique Service: Head Start and weatherization provider that also offers housing counseling.
- Ithaca Neighborhood Housing Services - 115 W Clinton St, Ithaca, NY 14850. Phone: 607-277-4500.
Unique Service: Provides affordable rental units and "mini-loans" for home repairs.
- Better Housing for Tompkins County - 950 Danby Road, Ithaca, NY 14850. Phone: 607-273-2187.
Unique Service: Focuses on home repair and housing stability for seniors.
- CAP Madison County - 3 East Main Street, Morrisville, NY 13408. Phone: 315-684-3144.
Unique Service: Community Action agency serving all of Madison County.
- Southern Hills Preservation Corp - 2383 Route 11, LaFayette, NY 13084. Phone: 315-677-3863.
Unique Service: Specialized help for rural residents of southern Onondaga County.
- Syracuse Housing Resources
Unique Service: These groups provide localized grants for Syracuse "inner-city" revitalization.
- Cooperative Federal Credit Union: 723 Westcott St. For dedicated HUD Housing Counseling, residents should contact their Financial Education office at 315-476-5290.
- Home Headquarters, Inc.: 625 Erie Boulevard West, Syracuse, NY 13204. 315-474-1939. https://www.homehq.org.
- Northeast Hawley Development Association: 101 Gertrude St. 315-425-1032.
- The Homeownership Center - 1611 Genesee Street, Utica, NY 13501. Phone: 315-724-4197.
Unique Service: Comprehensive center for Oneida County homebuyer education.
Western NY & Finger Lakes
- Belmont Housing Resources for WNY - 2393 Main St, Buffalo, NY 14214 Phone: 716-884-7791. https://belmonthousingwny.org.
Unique Service: Large administrator for Section 8 and Western NY housing counseling.
- Buffalo Urban League - 15 East Genesee St, Buffalo, NY 14203. Phone: 716-250-2400.
Unique Service: Civil rights organization providing economic empowerment and housing aid.
- NACA Buffalo - 1094 Hertel Ave, Buffalo, NY 14216. Phone: 716-834-6222.
Unique Service: Offers specialized 100% financing and mortgage restructure programs.
- NHS South Buffalo - 1937 South Park Avenue, Buffalo, NY 14220. Phone: 716-823-3630.
Unique Service: Neighborhood-based assistance for Buffalo's South Side.
- West Side NHS - 359 Connecticut St, Buffalo, NY 14213. Phone: 716-885-2344.
Unique Service: Urban revitalization and foreclosure help for the West Side.
- CCCS Buffalo / West Seneca - 40 Gardenville Parkway, West Seneca, NY 14224. Phone :800-926-9685.
Unique Service: High-volume debt management for Western New York.
- Niagara Falls NHS - 479 16th Street, Niagara Falls, NY 14303. Phone: 716-285-7778.
Unique Service: Dedicated housing help for Niagara County residents.
- Rochester Resources
Unique Service: This massive network provides everything from student loan counseling to emergency roof repairs for Rochester residents.
- Urban League of Rochester: 265 North Clinton Avenue. 585-325-6530.
- CCCS of Rochester: 1000 University Avenue. 888-724-2227.
- Housing Council in Monroe County: 275 College Avenue. 585-546-3700.
- NeighborWorks Rochester: 570 South Ave. 585-325-4170.
- PathStone (formerly Rural Opportunities): 400 East Ave. 585-546-7180.
- Providence Housing Development Corp: 1136 Buffalo Road. 585-328-3228..
- Chautauqua Opportunities (Multiple Locations) - Dunkirk and Jamestown. Phone: 716-366-3333.
Unique Service: Holistic support including childcare and housing for Chautauqua County.
- CHRIC (Chautauqua Home Rehabilitation) - 2 Academy Street, Mayville, NY 14757. Phone: 716-753-4650.
Unique Service: Focuses on home accessibility and rural preservation.
- Keuka Housing Council - 160 Main Street, Penn Yan, NY 14527. Phone: 315-536-8707. https://keukahousingcouncil.org
Unique Service: Dedicated housing resource for Yates County.
North Country
- St. Lawrence Housing Assistance Program (SLHAP) - 19 Main Street, Canton, NY 13617. Phone: 315-386-8576. https://slhap.org.
Unique Service: The primary housing aid group for the massive St. Lawrence region.
- Franklin County Community Housing Council - 337 West Main Street, Malone, NY 12953. Phone: 518-483-5934.
Unique Service: Localized housing counseling for North Country residents.
- Neighbors of Watertown - 112 Franklin Street, Watertown, NY 13601. All housing counseling intake is now centralized via their online portal or by calling 315-782-8497 to schedule an appointment. https://www.neighborsofwatertown.com
Unique Service: Revitalizes downtown Watertown and offers mortgage assistance.
- Friends of the North Country - 11387 Hardscrabble Rd, Cadyville, NY 12918. Phone: 518-834-9606. https://www.friendsofthenorthcountry.org.
Unique Service: Specialized rural development and mobile home grants for Clinton/Essex counties.
- Delaware Opportunities - 35430 State Hwy 10, Hamden, NY 13782. Phone: 607-746-1650.
Unique Service: Comprehensive social services for rural Delaware County.
- Oswego Housing Development Council - 726 W. Broadway, Fulton, NY 13069.. Phone: 315-625-4520.
Unique Service: Rural preservation and foreclosure help in Oswego County.
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