Q

It is the vision of the St. Lawrence County Housing Council, Inc. that every resident of St. Lawrence County should have access to decent and affordable housing in vital and vibrant communities.

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FIRST TIME HOME OWNERSHIP

First-time home buyers, make your home owning dreams come true.

HOUSING REHABILITATION

Learn more about our housing rehabilitation program.

PROPERTY MANAGEMENT

Rental opportunities for people with low to moderate Income.

FINANCIAL COUNSELING

NoCo Housing provides One-to- One budget & mortgage counseling.

We are currently doing the First Time Home Buyer classes by ZOOM until the end of the year. Dates remain the same, but times are from 9am to 12pm.  If you are a participant, please be sure we have your valid email address and access to a device with audio.

More information.

The Housing Council partnered with the Ogdensburg Land Bank in a rehabilitation project for an Ogdensburg property located at 940 Lafayette Street.

The Ogdensburg Land Bank is seeking to sell this fully rehabbed property. If you are a home buyer and are interested in applying for our grant program which assists eligible first time home buyers with down payment and closing costs assistance for purchase, feel free to contact our office for more details on the grant and the property.

Click to see more photos.

A Note to Our Community,

All contact with customers continues to be on a scheduled appointment basis only.

We schedule and take appointments and answer phones between the hours of 8am to 4pm Monday through Thursday.

Our staff will be available to answer questions via phone and email during these  hours as well. Our emails and extensions are listed below.

Funding for down payment and closing cost assistance is limited and is on a first come first serve basis as available. Applicants must complete the in house or ZOOM homebuyer education course prior to application.

Please note: Our first time home buyer funding has been exhausted for this year we will update for next year when we get word of funding.

We appreciate your patience and understanding as we all navigate these uncertain times. Please be safe and stay healthy.

Connect by Facebook or here on our website for updates.

Annette Bowman X228 — Executive Director
abowman@slchc.org

Christine Martin X229 — Assistant Director of Operations
cmartin@slchc.org

Andrew Backus X222 — Housing & Homeownership Specialist
abackus@slchc.org

Shelley McLellan X221 — Administrative Assistant
smclellan@slchc.org

Grant Program Opportunities from NoCo Housing

HUD LEAD HAZARD
REDUCTION
FUNDING

Available Now!

 

HUD Lead Hazard Reduction Grant funding is available for privately-owned housing units built before 1978 that contain lead-based paint hazards. To be eligible, dwellings must be in St. Lawrence County and must house at least one child under the age of 6 or a pregnant woman.

 315-386-8576  |  cmartin@slchc.org

Download the grant application

HOME
IMPROVEMENT
Grants

 

Does your home need repairs, but you can't afford them? (Roof, Windows, Doors, Insulations, Heating, Plumbing, Electrical) Are you low to moderate income?  Contact Christine Martin:

 315-386-8576  |  cmartin@slchc.org

Download the information flyer.

Below you'll find tips you can use to help make the best homeownership choice in 2020: take a homebuyer education course, and learn how to strengthen your credit, shop wisely for a mortgage, choose the right house and negotiate the best price.

1. Check your credit score before looking for a mortgage.

Look at your finances before you start the search for a home. You need to understand your credit score, and what kind of home you can afford. Many people make the mistake of falling in love with a certain house then realize it doesn't make sense financially. Make sure your credit is strong. Since finding the right house takes an average of one to three months, it could pay off to use the time to strengthen your credit score, especially if it means getting a lower mortgage rate. Read More...

2. Shop around for the best mortgage.

Proactively compare services and costs. First-time homebuyers often realize they have choices and resources available to them. Doing your homework can help you choose wisely and save you money. The price of failing to do so can be quite significant after several years. The average borrower could save $1,500 over the life of the loan by obtaining an extra rate quote when applying for a mortgage, according to new report from Freddie Mac. More than $3,000 could be saved by getting five quotes. Read More...

3. Choose your house carefully.

With a mortgage-approval letter in hand, it's time to find your home. A market with low housing supply requires a buyer to look for a "diamond in the rough"-a not-so-perfect house that could be rehabbed to make it suitable. That doesn't mean you should settle for a house that doesn't meet your basic needs. Read More...

4. Negotiate.

Unless you're buying in one of the most competitive markets, there is always room for negotiation. Here's where selecting the right real estate agent pays off. Read More...

Housing Rehabilitation
2021 Rehab Application

 

First time Home buyer

2022 Registration/Schedule

19 Main Street

Canton, NY 13617

 

Phone: 315-386-8576

Fax: 315-386-1564

abowman@slchc.org

HOURS
Monday - Thursday 8am to 4pm
Friday - Closed

The North Country Housing Council is a non-profit organization that exists for the sole purpose of assisting St. Lawrence County residents in a variety of ways. We are not here to sell a product. This website is here to assist, educate and provide you with useful information.

© St. Lawrence County Housing Council, Inc. DBA North Country Housing Council

The Housing Council partnered with the Ogdensburg Land Bank in a rehabilitation project for an Ogdensburg property located at 940 Lafayette Street.

A Note to Our Community,

 

As we continue to navigate these times, in an effort to provide ongoing  protection to our staff and customers we continue to adhere to local, State and CDC recommendations:

All contact with customers continues to be on a scheduled appointment basis only. We schedule and take appointments and answer phones between the hours of 8am to 4pm Monday through Thursday.

Our staff will be available to answer questions via phone and email during these  hours as well. Our emails and extensions are listed below.

Funding for down payment and closing cost assistance is limited and is on a first come first serve basis as available. Applicants must complete the in house or ZOOM homebuyer education course prior to application.

Please note: Our first time home buyer funding has been exhausted for this year we will update for next year when we get word of funding.

We appreciate your patience and understanding as we all navigate these uncertain times.

Please be safe and stay healthy.

Stay connected by Facebook or on our website for updates.

Annette Bowman X228 — Executive Director
abowman@slchc.org

Christine Martin X229 — Assistant Director of Operations
cmartin@slchc.org

Andrew Backus X222 — Housing & Homeownership Specialist
abackus@slchc.org

Shelley McLellan X221 — Administrative Assistant
smclellan@slchc.org

The Housing Council partnered with the Ogdensburg Land Bank in a rehabilitation project for an Ogdensburg property located at 940 Lafayette Street.

The Ogdensburg Land Bank is seeking to sell this fully rehabbed property. If you are a home buyer and are interested in applying for our grant program which assists eligible first time home buyers with down payment and closing costs assistance for purchase, feel free to contact our office for more details on the grant and the property.

Click to see more photos.

Homebuying season is hitting high gear, and below are tips you can use to help make the best homeownership choice in 2019: take a homebuyer education course, and learn how to strengthen your credit, shop wisely for a mortgage, choose the right house and negotiate the best price.

1. Check your credit score before looking for a mortgage.

Look at your finances before you start the search for a home. You need to understand your credit score, and what kind of home you can afford. Many people make the mistake of falling in love with a certain house then realize it doesn't make sense financially. Make sure your credit is strong. Since finding the right house takes an average of one to three months, it could pay off to use the time to strengthen your credit score, especially if it means getting a lower mortgage rate. Read More...

2. Shop around for the best mortgage.

Proactively compare services and costs. First-time homebuyers often realize they have choices and resources available to them. Doing your homework can help you choose wisely and save you money. The price of failing to do so can be quite significant after several years. The average borrower could save $1,500 over the life of the loan by obtaining an extra rate quote when applying for a mortgage, according to new report from Freddie Mac. More than $3,000 could be saved by getting five quotes. Read More...

3. Choose your house carefully.

With a mortgage-approval letter in hand, it's time to find your home. A market with low housing supply requires a buyer to look for a "diamond in the rough"-a not-so-perfect house that could be rehabbed to make it suitable. That doesn't mean you should settle for a house that doesn't meet your basic needs. Read More...

4. Negotiate.

Unless you're buying in one of the most competitive markets, there is always room for negotiation. Here's where selecting the right real estate agent pays off. Read More...

 

Homebuying season will soon be hitting high gear, and below are tips you can use to help make the best homeownership choice in 2019: take a homebuyer education course, and learn how to strengthen your credit, shop wisely for a mortgage, choose the right house and negotiate the best price.

1. Check your credit score before looking for a mortgage.

Look at your finances before you start the search for a home. You need to understand your credit score, and what kind of home you can afford. Many people make the mistake of falling in love with a certain house then realize it doesn't make sense financially. Make sure your credit is strong. Since finding the right house takes an average of one to three months, it could pay off to use the time to strengthen your credit score, especially if it means getting a lower mortgage rate. Read More...

2. Shop around for the best mortgage.

Proactively compare services and costs. First-time homebuyers often realize they have choices and resources available to them. Doing your homework can help you choose wisely and save you money. The price of failing to do so can be quite significant after several years. The average borrower could save $1,500 over the life of the loan by obtaining an extra rate quote when applying for a mortgage, according to new report from Freddie Mac. More than $3,000 could be saved by getting five quotes. Read More...

3. Choose your house carefully.

With a mortgage-approval letter in hand, it's time to find your home. A market with low housing supply requires a buyer to look for a "diamond in the rough"-a not-so-perfect house that could be rehabbed to make it suitable. That doesn't mean you should settle for a house that doesn't meet your basic needs. Read More...

4. Negotiate.

Unless you're buying in one of the most competitive markets, there is always room for negotiation. Here's where selecting the right real estate agent pays off. Read More...