For any of our services, please take a moment to visit the forms library to access the required forms you will need to fill out prior to meeting with one of our Home Advisors.

Home Improvement Loans – Keeping up with all the necessary home maintenance projects can be difficult, but we can assist. The Personal Home Improvement Loan is an affordable and accessible, fixed rate loan available to help homeowners.

Financial Education – Financial education and good home maintenance are important to individuals as well as neighborhoods and communities. Our advisors will provide the tools needed for individuals and families to establish their goals and achieve financial stability.

Foreclosure Intervention – Falling behind on payments can happen for a number of reasons. However, it is important to protect your home! Our Home Advisors work with the customer and lender to explore all possible options for staying in the home.
Please call ahead 315-724-4197 or email us at Home@theHomeOwnershipCenter.org to sign up for an Orientation date. Furture appointments will be scheduled once Orientation is completed.

Reverse Mortgage Advisor – If you or someone you know is considering a reverse mortgage, you must get counseling from a government-approved agency first. Our trusted advisors will provide you with all the information you need to decide if a reverse mortgage is right for you.

Energy Smart Loan Programs – Eligible borrowers can receive financial incentives to make cost-effective, energy-efficient improvements to their home. We recognize that rising energy costs can be financially restricting to many. Our advisors are trained to evaluate the options and find the best money saving opportunities.

Loan Products – click here for a listing of available loan products!
Dave & Mr S