Housing Counseling Services

​ Friends' Housing Counselors are experienced, trained professionals who can advise you on preventing foreclosure, buying a home, protecting  your credit, and other issues. 

Are you an advocate looking for information about our programs?

Pre-Purchase Counseling

Telephone or In Person Counseling Options Available

Friends' homebuyer education classes provide information and guidance relating to: the homebuying process, maintaining a sustainable budget, financing options and closing costs, calculating an affordable payment, and more.

Post-Purchase Counseling

Telephone or In Person Counseling Options Available

Friends' post-purchase counseling is designed to help homeowners establish and maintain long-term, successful homeownership. Counseling includes: review of budget, home maintenance education, and assistance in applying for applicable home repair grant programs that they may qualify for.

Credit & Budget Counseling

Telephone or In Person Counseling Options Available

Friends' credit and budget counseling involves: a soft pull of the credit score, extensive review of income and expenses, and an action plan with realistic goals and steps to achieve them.

Foreclosure Intervention

Telephone or In Person Counseling Options Available

Friends' housing counselors provide support to homeowners who are in default or at risk of defaulting on their mortgages or taxes. Assistance includes a review of budget and credit report. Counselors also assist with applications and help navigate the process by communicating with the lender to determine all available options.

Rental Counseling

Telephone or In Person Counseling Options Available

Friends' tenancy counseling is designed to provide clients with the necessary tools to: develop a sustainable budget, establish what an affordable monthly payment looks like, communicate with their landlord, know their rights and responsibilities, and how to search for and apply for board. 

Home Equity Conversion Mortgages

Telephone or In Person Counseling Options Available

Friends' HECM counseling covers how reverse mortgages work, including: application, payment options, costs, tax implications, alternative options, and various advantages and risks involved. After counseling clients will be better able to decide what decision best meets their needs.

*HECM Counseling may have a fee, based on affordability.

Homeless Assistance

Telephone or In Person Counseling Options Available

Friends' counseling provides referrals for immediate temporary shelter, food, and health care. Counselors also work with clients to: screen for benefits, review income and expenses to help build a sustainable budget, and provision of tenancy counseling to help obtain long-term, safe, and decent housing. 

Home Repair Grants

Friends facilitates federal and state grant funds for home rehabilitation or replacement of owner-occupied units. Rehabilitation activities include: window and door replacement; roof repair; intallation of insulation, siding, and heating systems; installation of septic and water systems; updated electrical and plumbing, etc.

Friends works with many other local agencies to best meet all client needs. 

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518-293-5045

1387 Hardscrabble Road,

Cadyville, NY 12918

info@friendsofthenorthcountry.org

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