Behind on your mortgage?
Maybe we can help! Contact us for information on how to keep your home!
No one should wait to start the conversation with their mortgage servicer.
Contact Catholic Charities' HUD-certified Mortgage Foreclosure Prevention Counselor at 607-317-5753 for free, confidential advice on how to keep your home.
We offer free credit counseling, financial management, and assistance negotiating with lenders. We work to find solutions for individuals and families in need, whether it’s saving their homes or rebuilding financial solvency, we are here to help.
We serve Chemung, Schuyler, Tompkins & Tioga Counties.
Funded through the New York State Attorney General Homeownership Protection Program.
For COVID-19 Mortage Relief, click the tab for more information.
HUD’s Homeowner’s Guide to Success
Guide du succès pour le propriétaire
The COVID-19 pandemic has made it harder for millions of homeowners to pay their mortgages. To reduce the risk of widespread foreclosures, Congress passed the Coronavirus Aid, Relief, and Economic Security Act (CARES Act) (Mar. 27, 2020). The CARES Act gives some borrowers temporary protection from foreclosure. But about a third of all borrowers are not covered. This article explains who is covered by the CARES Act, what it offers, how to help those who are covered, and how to help those who are not. Our thanks to the National Consumer Law Center and LAWNY for providing this information.
Please contact Catholic Charities of Chemung/Schuyler to talk with our skilled Housing Counselors who can help you work through this information and determine what course of action is best for you: Karen Wheeler (734-9784 x2132).
The CARES Act mortgage relief provisions apply to “federally backed mortgage loans,” defined as first or second mortgages on 1–4 family homes (including cooperative and condominium units) issued, purchased, or backed by the following agencies:
Fannie Mae or Freddie Mac;
U.S. Department of Veterans Affairs (VA);
Federal Housing Administration (FHA), including home equity conversion (HECM) reverse mortgages, and mortgages under the Indian Home Loan Guarantee program; and
U. S. Department of Agriculture (USDA).
If a homeowner has a mortgage loan that does not meet the definition of a “federally backed mortgage loan,” CARES Act protections do not apply (except for the credit reporting provisions in CARES Act § 4021, discussed above).
Contact our Housing Counseling Services for help: Karen Wheeler at 734-9784 x2132.
Want help learning how to make large purchases without going into debt?
Need to clean up your credit?
Want to create an emergency fund?
Call 607-317-5753, or email Karen today!
Serving Chemung, Schuyler, Steuben, Tompkins & Tioga Counties.
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We assist income-eligible, low to moderate-income individuals or families with down payment and closing cost assistance in purchasing their first home in the City of Elmira by offering a grant in the amount of $10,000 that is forgiven after five years. The City of Elmira contracts with Catholic Charities to administer this program. For more information, please contact Kathy at 607-317-5677.
We offer a Workshop for First Time Homebuyers.
Please note: the down-payment assistance grant is only for purchase in the City of Elmira, but anyone is welcome at the workshop.
As of 1/31/22, there have been 478 successful first-time homebuyers through our program!