We offer many services for home owners.

We are now accepting applications for manufactured home replacement assistance!

Creating a sound financial plan, setting and achieving financial goals and making wise consumer decisions all start the process for sustainable home ownership.

Our home advisors will work with each customer to develop a personalized action plan. They will help to examine finances, determine goals, establish individualized savings programs and address any credit issues.

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. **Free to those applying for a Home Rehabilitation Grant or Loan or are receiving Foreclosure Counseling**

The HomeOwnershipCenter offers a nationally accredited education class. As a member of the NeighborWorks Network, the HomeOwnershipCenter has certified Financial Educators to present comprehensive information on financial fitness and home maintenance issues. The nationally acclaimed training manual, Keeping the American Dream, was carefully designed and tested to best serve the needs of homebuyers.

The class is designed to educate consumers in matters of money management, which includes basic budgeting and understanding of how to use credit wisely.

Online Classes Now Available!

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.

Future appointments will be scheduled once a complete packet is returned.

Made up of a 4-hour Financial Education class and a 1-hour Financial Coaching session, Homeownership Counseling is a product utilized by the lender you are currently working with to receive a home equity loan.

Keeping up with necessary home maintenance projects can be a difficult task, as we mention in our Home Buyer Education Course. However, with the revolving grant funding that is available, we may be able to assist you with your interior or exterior home rehabilitation needs.

Due to the high volume of interested home owners, a waiting list has been created. Please click the button below to answer a few questions and to be placed on the list.

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

Give us a call at 315-724-4197 to get more information on Reverse Mortgage options.

We are now accepting applications for manufactured home replacement assistance! 

The manufactured home replacement program assists low income, rural Oneida County residents in securing new manufactured homes.  Assistance will be issued as a grant and will cover the cost of the manufactured home replacement, and the installation of a foundation system. THIS PROGRAM IS 100% GRANT FUNDED! GET A NEW HOME AT NO COST! 



Program eligibility requirements include:

  • Must own the land and the existing manufactured home (no liens, mortgages or loans)
  • Must meet the definition of low income, and provide documentation verifying income is below 80% of the area median income
  • Property must meet the definition of substandard
  • Property taxes, insurances and electric bills must be current
  • Applicants must occupy the manufactured home as a primary residence
  • Must demonstrate proof of ownership for both the manufactured home unit and the property on which it is situated.
  • Program participants will be required to complete a Financial Education workshop offered by HOC.

Success Story

“I knew my home was in need of some repairs, and was exploring ways to get the work done.  I was referred to the HomeOwnershipCenter by Herkimer County Office of the Aging.  The staff at the HomeOwnershipCenter was a tremendous help.  They worked with me to figure out exactly what work needed done on my home and found a reliable contractor to get the work done.

There were some codes issues which were fixed, my roof repaired, and some doors and windows replaced.  I also was able to get a new furnace and spray foam insulation was put in.  I have heating assistance and try my best to stretch it out over the winter.  Since this work was completed, I have noticed a significant drop in my heating bill which is a blessing when you are living on a fixed income.

I rate the service I received from the HomeOwnershipCenter as outstanding and I am very thankful for all their help.”

-Mr. Stubbs
Ilion, NY

Before & After

Loan Products

Home Purchase

We have developed, in cooperation with various lending partners, many specialized loan products for the purchase and rehabilitation of homes. Qualified home buyers may apply for a second mortgage to assist them with the down payment and closing costs.

Financial Coaching

Our advisors will provide the tools needed for individuals and families to establish their goals and achieve financial stability.

Home Repair Programs

Home owners needing emergency repairs, or home improvement may apply for a loan with the HomeOwnershipCenter. Typical loans range from $5,000 to $25,000.


Our HECM or Reverse Mortgage Counselor will provide you with all the information you need to decide if a reverse mortgage is right for you.

Check out our Forms Library

Access the required forms prior to meeting with one of our Home Advisors.

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