First Time Homebuyers & Mortgage Information

Community Action for Self Help, Inc.
48 Water St., Lyons, NY
315.946.6992
www.cashinc.org
C.A.S.H. is the administrator of NYSDHCR Section 8 subsidize housing. C.A.S.H. operates senior/disabled subsidized housing complex in Wolcott, NY, operates and manages units of 1, 2 & 3 bedroom apartments in Lyons for people under 50% of AMI, also provides first time home buyer assistance program, housing counseling, mortgage, and foreclosure prevention services. Some income requirements may apply and vary from program to program. Hours of operation of C.A.S.H. are Mon.-Fri. 9am-2pm.

PathStone
4075 Ridge Rd, Williamson, NY
315.483.9151
www.pathstone.org
PathStone also provides free counseling for borrowers who are having trouble making their mortgage payments. PathStone will help borrowers understand their budget issues, the mortgage details and the process of foreclosure and their rights during the process. When appropriate, and at the borrower.s request, enter into negotiations with their lender to modify their current loan so that they can become current on their loans and afford to pay the mortgage into the foreseeable future.

Reliant Community Credit Union Credit Planning
800.724.9282
www.reliantcu.com
Reliant's Credit Planner works with members to establish appropriate financial objectives and detailed plans to improve cash flow and increase savings. With the help of a credit planner, you can create realistic household budgets, establish payment schedules to reduce debts, work on improving your credit rating, and set savings goals. This program is available at all Reliant branches: Canandaigua, Irondequoit, Macedon, Newark, Sodus, Webster.