THE HOME OWNERSHIP CENTER OF BUFFALO

HomeFront, Inc is a community development agency which promotes healthy neighborhoods in Buffalo.

• Grant money and down payment assistance
• Home Repair programs
• Emergency Repair programs
• Bank Gift programs
• 50/50 Loans
• Weatherization program

Bad Credit Loans - These types of mortgages are for individuals with:

• Bankruptcy in the last 2 years
• Foreclosure in the last 3 years
• Low credit scores below 620

Not sure what your credit score is?  Go to: Get a Free Credit Score

Mortgage Assistance

These websites can assist you with obtaining mortgages for buying a home.

FHA Loans - Government insured - allow you to buy a home with only a 3% down.

VA Loans - If you are a veteran, you may buy a home with no money down.

Conventional Loans - Any mortgage loan that requires a 5% down payment and is less than $322,700 for a single family home.

Jumbo Loans - Any mortgages where the loan amount is higher than $322,700 for a single family home.

Mortgages - This site has information regarding fanniemae and freddiemac conventional loans.

TOWN PROGRAMS

Town of Amherst   631-7082   

Town of Hamburg  648-6216 

Town of Cheektowaga  961-6606

Town of Tonawanda   871-8850  

Town of Lackawanna  823-5134

City of Lockport  439-6687 

ERIE County

FIRST TIME HOMEBUYERS PROGRAM   For Erie County Residents    858-8390

Community Based

Asbury Shalom Zone - low cost housing for families in a multi-cultural neighborhood facility serving zip code: 14201   Ph.  886-8232

Belmont Shelter Corp  Ph. 312-8075   web: www.belmontshelter.org  

Bethel Community Dev Corp   Ph. 886-1650  Serving East Buffalo

Black Rock / Riverside NHS  Ph. 877-3910  Serving North Buffalo/Black Rock/Riverside 

Broadway/Filmore NHS   Ph.  852-3130  Serving: Fillmore District

Buffalo Urban League  Ph. 854-7625  Serving: Buffalo  www.buffalourban.org

Center City Neighborhood Dev Corp.  Ph.  282-3738  Serving: Center City and Niagara Falls

Citizen's Alliance  Ph. 895-2234  Serves: Delevan-Grider community

Community Action Org.  Ph. 881-5150  Serving: Erie County

Community Preservation  853-0266  www.communityp.com 

Department of Environment & Planning  Ph.  858-6927  Areas Served: Erie County (except City of Buffalo), Amherst, Cheektowaga, Tonawanda, Hamburg, plus villages within the towns

Ellicott District Community Development  Ph. 856-3262   Serving: Ellicott District of Buffalo

Fillmore/Leroy Area Residents (FLARE)   Ph. 838-6740  Serves: Central Park-Masten District

Hispanics United of Buffalo (H.U.B.)  Ph. 856-7110 

Homefront, Inc.  Ph. 856-2952   www.homefrontbflo.org   Serving: Erie County, Niagara County and Buffalo

Kensington-Bailey NHS   Ph. 836-3600   Serving: North-East Buffalo

Lackawanna Community Development  Ph. 823-5124  Serving: Lackawanna  

Lovejoy District Neighborhood Revitalization Services  Ph. 896-5010  Serves: Buffalo-Lovejoy District  

Native American Community Svcs of Erie & Niagara Counties            Phone: 874-4460

NHS of South Buffalo   Ph. 823-3630  Serves: South Buffalo

Niagara Falls NHS  Ph. 285-7778

North Buffalo Community Development   Ph. 874-6133

North Tonawanda Community Development  Ph. 695-8580 Ext 515

Old First Ward Community Center  Ph. 856-8613  Serving:  South Buffalo/Old First Ward

Tonawanda Community Development Agency   Ph. 695-8645

West Side Neighborhood Housing Services  Ph. 885-2344  Serving: West Side of Buffalo   

Government Programs

• Federal Housing Administration (FHA)
• Veteran's Administration (VA) Mortgage
• SONYA

Other Government Agencies that can help you finance a home:

• HUD:  Housing
• New York State Home Page
• NYS Div. of Housing (DHCR)
• Erie County Home Page
• City of Buffalo Home Page