“They really did open that door for me to make the choice when it comes to finding the right house for me.”
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TranslateResources for Renters and Prospective Homeowners
- Resources to Strengthen Financial Confidence
- Information for Renters
- Preparing for Homeownership
- Keeping and Maintaining Your Home
- Fair Housing
These resources are for informational and self-guidance purposes. If you are having a housing emergency or are at risk of loosing housing, contact our Emergency Housing Assistance Program.
Resources to Strengthen Financial Confidence
- Get Your Free Annual Credit Report
- Understanding Your Credit (video)
- Credit Score Basics
- Determining Debt-to-Income Ratio
- Income and Expense Worksheet
- FDIC: Consumer Resource Center
Information for Renters
Affordable Housing Options
- Academy Arms: Oneonta (Age 62+ and disabled any age, Subsidized)
- Bronner Manor: Richfield Springs (Age 62+ and disabled any age, Subsidized)
- Chase Housing: New Berlin (Age 62+ and disabled any age, Subsidized)
- Cooper Lane Apartments: Cooperstown
- Dietz Street Lofts: Oneonta
- Ford Block: Oneonta
- JGB Properties: Richfield Springs
- Lettis Apartments: Oneonta (Subsidized)
- Mayrose Apartments: Oneonta (Subsidized)
- Milford Family Housing: Milford
- Nader Towers: Oneonta (Senior housing, Subsidized)
- Oneonta Heights: Oneonta (Age 62+ and disabled any age, Subsidized)
- Talbot Apartments: West Winfield (Age 62+ and disabled any age, Subsidized)
- Unadilla Neighborhood Apartments: Unadilla (Age 62+ and disabled any age)
- West Hill Terrace: Edmeston (Age 62+ and disabled any age, Subsidized)
- Wilber Park Apartments: Oneonta
Tenants Rights
- Tenants’ Rights & Responsibilities: A Guide for Renters in Otsego County
- Tenant Protection Act of 2019
- Manufactured Home Tenants' Rights
- Renters/Tenants Rights in New York State
Preparing for Homeownership
- How to Find the Best Mortgage
- Step-by-Step Mortgage Guide: From Application to Closing (English or Espanol)
- How To: Examining Homes (before you buy)
- For Your Protection: Get a Home Inspection (English or Espanol)
- Ten Important Questions to Ask Your Home Inspector (English or Espanol)
Keeping and Maintaining Your Home
- Routine Home Maintenance Checklist
- Guide: Creating a Home Repair Emergency Fund
- Energy Saver Guide
- Foreclosure Delay and Prevention (Legal Aid Society of Mid-NY)
Fair Housing
- Fair Housing Guide
- Watch "Accents", a short public service announcement about housing discrimination.
