Housing Counseling Services, including the First Time Homebuyer Program

First Time Home Buyer Program


This program is designed to 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 $8,000 that is forgiven after five years. The City of Elmira contracts with Catholic Charities to administer this program. For more information, please contact Amy, 607.734.9784, x2127. Workshop Information – please note: the down-payment assistant grant is only for purchase in the City of Elmira, but anyone is welcome at the workshop.

As of 1/28/21, there have been 469 successful first time home buyers through our program!

Funded through the New York State Attorney General
Homeownership Protection Program

Mortgage Foreclosure Prevention Services

COVID-19 Mortgage Relief
Housing Counseling Services Logo

This program offers 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, rebuilding financial solvency or minimizing the community impact in the event of a foreclosure, we are here to help. This program serves Chemung, Schuyler, Tompkins & Tioga Counties & Northern PA.

HUD’s Homeowner’s Guide to Success

FTHB familyFinancial Fitness Services

Crisis Budget Informational Video

Our Financial Fitness Services are designed to help individuals and families reach their financial goals. This can include opening a savings account, making large purchases without going into debt, cleaning up credit, creating an emergency fund, or just making your dollar go further. This program serves Chemung, Schuyler, Steuben, Tompkins & Tioga Counties & Northern PA.

For more information about any of our Housing Counseling Services, please contact Amy, 607.734.9784, x2127.

An interactive, printable workbook for children to teach them the importance of saving that sets them up for future success!

Browse Money as You Grow for 20 things kids need to know to live financially smart lives. Broken up by age group, you’ll find ideas & activities from 3 years old to young adults!

Lead in the human body can damage the brain and nervous system, and cause behavior and learning problems, especially in young children. Lead-based paint is usually not a hazard if it is in good condition (intact) and is not on an impact or high friction spots such as a window or the sills, or a door that is rubbing on its frame. Friction of two painted surfaces can create lead dust which may not be seen by the naked eye. However, it does become airborne. Lead dust can also form when lead-based paint is scraped, dry sanded or heated. Settled lead dust can re-enter the air when people sweep or walk through the dust or vacuum using an ordinary vacuum cleaner.

It is recommended that when doing renovations to your home, a HEPA vacuum be used for cleaning up dust. The First-Time Homebuyer office at Catholic Charities has a HEPA vacuum available for use. Please call or email Amy. We also recommend that you read the pamphlet “Renovate Right” available in our office, by calling 1-866-512-1800 or through the U.S. Government Printing Office.

Gateways Community Living ProgramGateways Logo

The Gateways Program provides community living, case management, and residential support services to at-risk individuals and families with a mental health condition, substance abuse, HIV/AIDS, and homelessness. In addition, the program provides a continuum of housing options ranging from residences with 24-hour supervision and intense case management to a supported housing program offering case management and support services including subsidized independent housing. For more information, call 607.734.9784 (Chemung) or 607.535.2050 (Schuyler). Click here for more program details.

LaFrance Apartmentsbuilding

Opening in 2020, LaFrance is a multi-family supportive housing community professionally managed by Providence Housing Development Corporation.
Applicants with Section 8 housing choice vouchers or certificates are welcome to apply for residency. Download a brochure for more information: English or Español


Residential Stabilization Program

A 120-day transitional housing program that provides individuals exiting the prison system with a comprehensive, solution-based approach to re-entering the community. The overall goal is to provide stability and guidance to individuals allowing them to avoid new crimes and rebuild their lives.