Directory of Western New York Housing Services

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1 Directory of Western New York Housing Services a comprehensive listing of housing agencies and services available throughout Western New York June 2003

2 FOREWORD One role of the Community Affairs office of the Buffalo Branch, Federal Reserve Bank of New York, is to encourage and support community partnerships that identify and address concerns impacting the well-being of residents and communities throughout western and central New York. As part of an on-going commitment to assist with housing issues, the Buffalo Branch, in cooperation with several housing agencies, is pleased to release Phase One of a comprehensive housing resource directory. The directory catalogs non-profit housing agencies and services available throughout Erie and Niagara Counties. Phase Two, scheduled for completion at the end of 2003, will incorporate agencies and services available in the Monroe County area. The Fed and its partners are pleased to support the community s access to housing agencies and services by supplying a vehicle which will help make the process of finding housing support agencies and services easier. We would like to thank all agencies that provided information for inclusion in the directory, with a special thanks to the Belmont Corporation and the Independent Living Center for their valuable input in this undertaking. i

3 FREQUENTLY ASKED QUESTIONS The agencies listed in this directory perform a wide variety of housing services for the community. According to an informal survey taken by the Belmont Shelter Corporation, the most frequently asked questions presented to their staff are as follows: Where can I get emergency housing? How can I find an affordable place in which to live? How can I get help with buying a house? How long is the wait for Section 8 assistance? Can I get rental assistance faster because I am disabled? Where can I get money to help me with a security deposit? I just got evicted: where can I go? For answers to these and other questions, we have compiled a comprehensive listing of agencies that offer assistance with these and many other questions related to housing. ii

4 TABLE OF CONTENTS Housing Services Index...1 Home Ownership...1 Pre-purchase Counseling...1 Finding and Evaluating Mortgages...1 Post-ownership...2 Default/Foreclosure Counseling...2 Home Equity Conversion Counseling (aka Reverse Mortgages)...3 Locating Housing...3 Housing Search...3 Rental...3 Apartments...3 Emergency Services...4 Homeless Services...4 Senior Services...4 Transitional...5 Rural...5 HOPWA...5 Veterans Services...5 Persons with Disabilities...5 Rental...5 Fair Housing Counseling...5 Landlord Counseling...6 Mobility Counseling...6 Home Improvement...6 Rehabilitation...6 Weatherization...7 Lead Abatement...7 Financial Assistance...7 iii

5 Section 8 Rental Assistance...7 Section 8 Homeowner Assistance...8 Grants...8 Lenders...8 Loans...9 Alphabetical Listing of Agencies...10 Websites...36 Related Links...37 Other Related Resources...39 Renter s Guide...40 Avoiding Foreclosure...45 Independent Senior Citizens Housing...49 Homeless Shelters...54 Affordable Housing Erie County...56 Affordable Housing Niagara County...68 Affordable Housing Wyoming/Genesee Counties...71 Affordable Housing Chautauqua/Cattaraugus Counties...72 Glossary...73 Acronym Index...96 Index iv

6 HOUSING SERVICES INDEX This section contains a listing of the most common services provided by housing agencies. Each listing is followed by the names of the agencies that offer the service. Home Ownership These agencies offer counseling in different stages and processes associated with acquiring residential property, from planning to ownership and post-ownership. Pre-purchase Counseling This includes topics such as advantages of renting vs. owning, the loan process, working with an agent, budgeting, fair housing laws, the closing process, home equity maintenance, preventing foreclosure, tax benefits, understanding various loan products, and understanding/improving your credit/mortgage score. Belmont Shelter Corp Bethel Community Development Corporation Black Rock-Riverside NHS Broadway-Fillmore NHS...13 Chautauqua Home Rehabilitation & Improvement Corp Chautauqua Opportunities Community Action Org Core Area Preservation Company Heart of the City Neighborhoods...21 Hispanics United of Buffalo...22 HomeFront...22 Kensington-Bailey Neighborhood Housing Services Lackawanna CDC...26 Lovejoy District NRS NHS of South Buffalo, Inc...27 Niagara Falls NHS North Tonawanda Comm. Dev. Office (City of)...29 Old First Ward Comm. Ctr Polish Community Center...30 Rural Revitalization Corp Seventy-Eight Restoration Corp University Heights CDA...34 Urban League of Buffalo West Side NHS Finding and Evaluating Mortgages These agencies offer counseling on the various loan products available. Belmont Shelter Corp Bethel Community Development Corporation Chautauqua Home Rehabilitation & Improvement Corp Chautauqua Opportunities

7 Community Action Org...17 Core Area Preservation Company Hispanics United of Buffalo...22 HomeFront...22 Lovejoy District NRS...26 North Tonawanda Comm. Dev. Office (City of)...29 Polish Community Center Rural Revitalization Corp...31 University Heights CDA Urban League of Buffalo...34 West Side NHS...34 Post-ownership These agencies counsel homeowners with respect to financial management, credit stability, property maintenance, and other matters which may assist in improving an individual s or family s housing conditions and in meeting the responsibilities of home ownership. Belmont Shelter Corp Chautauqua Home Rehabilitation & Improvement Corp...16 Community Action Org Core Area Preservation Company Hispanics United of Buffalo...22 HomeFront...22 Kensington-Bailey Neighborhood Housing Services...25 Polish Community Center Seventy-Eight Restoration Corp...32 University Heights CDA Urban League of Buffalo...34 West Side NHS...34 Default/Foreclosure Counseling These agencies offer counseling on how to avoid foreclosure which can include alternatives to foreclosure, communicating with your lender/servicer, re-negotiating loan terms, managing debt and re-establishing credit. Belmont Shelter Corp Black Rock-Riverside NHS...13 Chautauqua Home Rehabilitation & Improvement Corp...16 Chautauqua Opportunities Community Action Org...17 Core Area Preservation Company HomeFront...22 Niagara Comm. Action Program...28 Polish Community Center Rural Revitalization Corp...31 Seventy-Eight Restoration Corp...32 University Heights CDA

8 Urban League of Buffalo West Side NHS Home Equity Conversion Counseling (also known as Reverse Mortgages ) These agencies offer counseling on reverse mortgages which allow elderly homeowners to convert equity in their home to cash. Belmont Shelter Corp Chautauqua Home Rehabilitation & Improvement Corp Chautauqua Opportunities University Heights CDA...34 Urban League of Buffalo Locating Housing Housing Search These agencies help individuals/families find affordable housing. Belmont Shelter Corp Community Action Org Core Area Preservation Company Heart of the City Neighborhoods...21 Hispanics United of Buffalo...22 HomeFront...22 International League of Muslim Women...24 Polish Community Center...30 Rural Revitalization Corp University Heights CDA...34 Urban League of Buffalo...34 West Side NHS Rental These agencies offer general assistance to individuals/families seeking affordable rental property. Belmont Shelter Corp Bethel Community Development Corporation Community Action Org Core Area Preservation Company Heart of the City Neighborhoods...21 Hispanics United of Buffalo...22 Polish Community Center...30 Rural Revitalization Corp Seventy-Eight Restoration Corp University Heights CDA...34 Urban League of Buffalo West Side NHS Apartments Belmont Shelter Corp

9 Black Rock-Riverside NHS...13 Community Action Org...17 Core Area Preservation Company Heart of the City Neighborhoods HELP - Buffalo...21 Hispanics United of Buffalo...22 Kensington-Bailey NHS...25 Lackawanna MHA...26 Niagara Falls Housing Auth Polish Community Center Rural Revitalization Corp...31 Seventy-Eight Restoration Corp...32 Southtowns Rural Preservation Co., Inc...32 Urban League of Buffalo...34 West Side NHS...34 WNY Veteran s Housing Coalition...35 Emergency Services These agencies help individuals and families meet housing needs in crisis situations. American Red Cross...10 Chautauqua Opportunities City Mission (Buffalo)...17 Community Action Org...17 Hispanics United of Buffalo...22 International League of Muslim Women...24 Lovejoy District NRS...26 Salvation Army...31 University Heights CDA Urban League of Buffalo...34 Homeless Services Chautauqua Opportunities City Mission (Buffalo) Community Action Org...17 HELP - Buffalo...21 Hispanics United of Buffalo...22 International League of Muslim Women...24 Rental Assistance Corp...31 Salvation Army...31 Urban League of Buffalo...34 WNY Veteran s Housing Coalition...35 Senior Services Niagara Falls Housing Auth Old First Ward Comm. Ctr...29 Polish Community Center

10 Rental Assistance Corp...31 University Heights CDA...34 Urban League of Buffalo...34 WNY Veteran s Housing Coalition...35 Transitional Chautauqua Opportunities Community Action Org Hispanics United of Buffalo...22 International League of Muslim Women...24 Lackawanna MHA...26 Urban League of Buffalo WNY Veteran s Housing Coalition...35 Women for Human Rights and Dignity, Inc...35 Rural Belmont Shelter Corp Rural Revitalization Corp Southtowns Rural Preservation Co., Inc...32 HOPWA (Housing Opportunities for Persons with AIDS) Benedict House of WNY Chautauqua Opportunities Community Action Org Veterans Services Belmont Shelter Corp Community Action Org Rental Assistance Corp...31 WNY Veteran s Housing Coalition...35 Persons with Disabilities Belmont Shelter Corp Community Action Org Lackawanna MHA...26 Niagara Falls Housing Auth...28 Polish Community Center...30 WNY Veteran s Housing Coalition...35 Rental Fair Housing Counseling These agencies counsel individuals and families on issues related to fair housing and discrimination in all facets of the home-buying process on the basis of race, color, national origin, religion, sex, familial status, or disability. Black Rock-Riverside NHS Chautauqua Home Rehabilitation & Improvement Corp

11 Chautauqua Opportunities Core Area Preservation Company HomeFront...22 HOME (Housing Opportunities Made Equal)...23 Neighborhood Legal Services Niagara Comm. Action Program...28 Old First Ward Comm. Ctr...29 University Heights CDA Landlord Landlord Counseling is intended to assist first-time landlords in understanding the risks and responsibilities involved in the business of being a landlord. Belmont Shelter Corp Bethel Community Development Corporation...12 Community Action Org...17 Core Area Preservation Company Hispanics United of Buffalo...22 Old First Ward Comm. Ctr...29 University Heights CDA Urban League of Buffalo...34 West Side NHS...34 Mobility counseling This agency offers counseling to low-income, inner-city families who seek access to affordable housing opportunities throughout the metropolitan area. Belmont Shelter Corp University Heights CDA Home Improvement Rehabilitation The following agencies offer assistance with repairing existing properties. Town of Amherst Department of Planning & Comm. Dev...10 Belmont Shelter Corp Bethel Community Development Corporation...12 Black Rock-Riverside NHS...13 Broadway-Fillmore NHS...13 Chautauqua Home Rehabilitation & Improvement Corp...16 Chautauqua Opportunities Community Action Org...17 Core Area Preservation Company Heart of the City Neighborhoods Hispanics United of Buffalo...22 HomeFront...22 Kensington-Bailey Neighborhood Housing Services...25 Lackawanna CDC...26 Lovejoy District NRS

12 NHS of South Buffalo...27 Niagara Comm. Action Program...28 Niagara Falls NHS North Tonawanda Comm. Dev. Office (City of)...29 Old First Ward Comm. Ctr Rural Revitalization Corp Seventy-Eight Restoration Corp Southtowns Rural Preservation Co., Inc...32 University Heights CDA...34 Urban League of Buffalo West Side NHS Weatherization These agencies offer assistance with modifying a property to reduce energy loss, e.g., adding insulation or installing storm windows. Broadway-Fillmore NHS...13 Core Area Preservation Company NHS of South Buffalo...27 Niagara Community Action Program Niagara Falls NHS Old First Ward Comm. Ctr Polish Community Center...30 Seventy-Eight Restoration Corp City of Tonawanda Comm. Dev. Agency...33 Urban League of Buffalo...34 Lead Abatement These agencies offer assistance in clean up of lead-contaminated homes. Black Rock-Riverside NHS Chautauqua Home Rehabilitation & Improvement Corp Community Action Org Core Area Preservation Company Hispanics United of Buffalo...22 Old First Ward Comm. Ctr Seventy-Eight Restoration Corp Urban League of Buffalo West Side NHS Financial Assistance SECTION 8 Rental Assistance These organizations assist in securing housing for low- to moderate-income individuals and families through Housing Choice Vouchers. The government provides subsidies based on the tenant s ability to pay. For more information, see Belmont Shelter Corp

13 Bethel Community Development Corporation...12 Black Rock-Riverside NHS...13 Chautauqua Opportunities Community Action Org...17 HELP - Buffalo...21 International League of Muslim Women...24 Rental Assistance Corp...31 Urban League of Buffalo...34 WNY Veteran s Housing Coalition...35 SECTION 8 Homeowner Assistance Belmont Shelter Corp Chautauqua Opportunities Community Action Org...17 Urban League of Buffalo...34 Grants Bethel Community Development Corporation...12 Chautauqua Home Rehabilitation & Improvement Corp...16 Core Area Preservation Company Hispanics United of Buffalo...22 Kensington-Bailey Neighborhood Housing Services...25 Niagara Comm. Action Program...28 North Tonawanda Comm. Dev. Office (City of)...29 Old First Ward Comm. Ctr...29 Polish Community Center Rural Revitalization Corp...31 Southtowns Rural Preservation Co., Inc...32 University Heights CDA Urban League of Buffalo...34 West Side NHS...34 Lenders Alden State Bank...10 Bank of Akron...11 Bank of Holland...11 Buffalo Fire Department FCU*...13 Buffalo Metropolitan FCU*...13 Buffalo Postal Community FCU*...14 Buffalo Service CU*...14 Cattaraugus County Bank...15 Charter One Bank...15 Citibank...16 Evans National Bank...19 First Niagara Bank...20 Fleet National Bank

14 Greater Buffalo Savings Bank...21 HSBC Bank USA...23 Jamestown Savings Bank...24 JP Morgan Chase...24 KeyBank National Association...25 M&T Bank...27 * Credit Unions Loans Bethel Community Development Corporation Black Rock-Riverside NHS Chautauqua Home Rehabilitation & Improvement Corp Community Action Org Core Area Preservation Company Hispanics United of Buffalo...22 HomeFront...22 Kensington-Bailey Neighborhood Housing Services...25 Lackawanna CDC...26 Lovejoy District NRS North Tonawanda Comm. Dev. Office (City of)...29 Old First Ward Comm. Ctr Rural Revitalization Corp City of Tonawanda Comm. Dev. Agency...33 University Heights CDA...34 Urban League of Buffalo West Side NHS

15 ALPHABETICAL LISTING OF AGENCIES Alden State Bank Broadway Alden, NY Phone: Fax: Website: Alden State Bank, with locations in Alden and Lancaster, is a commercial bank offering a wide range of competitively priced services including term loans, short-term financing, lines of credit, commercial mortgages, construction mortgages and accounts receivable loans. American Red Cross 786 Delaware Ave. Buffalo, NY Phone: Fax: Website: Area Served: Erie County, North Tonawanda, and Cattaraugus County American Red Cross provides immediate shelter for disaster victims and counseling services. It offers an ombudsman program for the elderly living in Adult Homes/Skilled Nursing Facilities. The Life Project currently provides in-home support services to seniors on the west side of Buffalo. The service area for this project will expand, and the Red Cross welcomes calls for more information. Town of Amherst Department of Planning & Community Development 5583 Main Street Williamsville, NY Phone: Fax: Website: Area Served: Amherst Town of Amherst Department of Planning & Community Development administers Community Development Block Grants (CDBG) and HOME programs, provides first-time homebuyer assistance, housing rehabilitation loans, and supports other housing needs, including closing costs/down payment loans and grants, plus interest-free and deferredpayment loans. 10

16 Asbury Shalom Zone 520 Seventh Street Buffalo, NY Phone: Fax: Area Served: zip code area Asbury Shalom Zone provides low-cost housing to low-income families in a multicultural neighborhood facility. Bank of Akron 46 Main Street Akron, NY Phone: Fax: Website: Bank of Akron is a full-service commercial bank offering a full range of products and services. The Bank of Akron has been a part of the community for over 100 years, with a service area covering the towns of Newstead and Clarence and the communities of Lancaster and East Amherst. Offices are located in Akron, Clarence and Clarence Center. Bank of Holland 12 South Main Street Holland, NY Phone: Fax: Website: Bank of Holland is a full-service commercial bank serving parts of Erie, Cattaraugus, and Wyoming Counties. It offers a range of mortgage and home equity loans. Belmont Shelter Corporation 1195 Main Street Buffalo, NY Phone: Hamburg office: Fax: Website: Area Served: Western New York 11

17 Belmont supports quality, affordable housing opportunities for lower income families, seniors, and those with special needs. Belmont administers rental assistance programs, provides comprehensive housing counseling services. It also develops, manages, and consults on affordable housing throughout Western New York. Benedict House of WNY, Inc Main Street Buffalo, NY Phone: Fax: Website: Benedict House provides non-discriminatory residential housing opportunities and supportive services for persons living with AIDS in an environment promoting the principles of dignity, respect, understanding, compassion, and self-determination. Bethel Community Development Corp Michigan Avenue Buffalo, NY Phone: Fax: Area Served: East Buffalo Bethel CDC offers a wide variety of housing services and is active in revitalization projects in the Masten and Cold Spring neighborhoods, including rehabilitation of existing properties and new construction. Better Business Bureau Dispute Settlement Center 741 Delaware Ave. Suite 100 Buffalo, NY Phone: Fax: Website: Area Served: Western New York BBB handles landlord-tenant disputes by mediation and arbitration as an alternative to court action. Disputes include harassment, assault, trespass, property damage, theft of services and non-payment of rent. Fees are dependent on the amount in dispute, and disputes up to $5,000 may be referred. 12

18 Black Rock-Riverside NHS 203 Military Road Buffalo, NY Phone: Fax: Area Served: North Buffalo This is a not-for-profit, community-based organization dedicated to promoting homeownership, revitalizing neighborhoods, and promoting economic development. It offers home-improvement loans, commercial loans, down-payment assistance, home-buyer workshops, and counseling. Broadway-Fillmore NHS 780 Fillmore Avenue Buffalo, NY Phone: Fax: Area Served: Fillmore District This is a not-for-profit, community-based organization dedicated to promoting home ownership, revitalizing neighborhoods and promoting economic development. It offers home-improvement loans, commercial loans, down-payment assistance, home-buyer workshops and counseling. Buffalo Fire Department FCU 971 Kenmore Ave. Kenmore, NY Phone: Buffalo Fire Department FCU offers mortgages. Membership is limited to employees of the Buffalo Fire Department. Buffalo Metropolitan FCU 62 S. Elmwood Ave. Buffalo, NY Phone: Buffalo Metropolitan FCU offers mortgages. Membership is limited to select companies, located primarily in the downtown area. Call for details. 13

19 Buffalo City Office of Strategic Planning 920 City Hall Buffalo, NY Phone: Fax: Area served: City of Buffalo Buffalo City OSP offers real estate acquisition, renewal and redevelopment, relocation and allocation under renewal, commercial and economic development. Buffalo Municipal Housing Authority 300 Perry Street Buffalo, NY Phone: Fax: Area Served: Western New York Buffalo Municipal Housing Authority provides government-assisted housing for low- to moderate-income individuals, families, seniors, handicapped and disabled persons. Buffalo Postal Community FCU 1155 William St. Buffalo, NY Phone: Buffalo Postal Community FCU offers mortgages. Membership is limited to postal employees. Buffalo Service CU 111 W. Huron St. Room 1104 Buffalo, NY Phone: No first-time mortgages available only home equity. Membership is limited to Federal employees as well as their spouses, parents, grandparents and grandchildren. Catholic Charities of Buffalo 525 Washington Street Buffalo, NY Phone:

20 Fax: Website: Area Served: Erie County Catholic Charities provides housing, utility and home-repair advocacy. It offers referral services, relocation assistance, counseling services, landlord/tenant mediation, and casemanagement services. Cattaraugus County Bank 16 Main Street Little Valley, NY Phone: Fax: Website: Cattaraugus County Bank is a full-service commercial bank, offering conventional mortgages, home equity line of credit and home equity fixed rate. Cattaraugus County Bank serves Cattaraugus County, surrounding communities, and southern Erie County with branches in Randolph, Salamanca, Franklinville, Little Valley, and Springville. Center City Neighborhood Dev. Corp Main Street Niagara Falls, NY Phone: Fax: Website: Area Served: Center City area of Niagara Falls The Corporation rehabilitates substandard units and rents them to very low-income persons. In addition, Center City provides grant/loan assistance to landlords who make improvements to properties rented to low- and very-low-income persons. Homeimprovement programs are also offered to assist low- and very-low-income homeowners with their home improvement needs. Center City is Niagara County's only HUD-Certified Housing Counseling Agency. Charter One Bank 115 Lawrence Bell Drive Williamsville, NY Phone: Fax:

21 Website: Charter One Bank is a full-service savings bank. Mortgage Specialists can be found in all branches of Erie, Niagara, and Monroe Counties. Chautauqua Home Rehabilitation & Improvement Corporation 2 Academy Street 31 East 4 th St. Mayville, NY Dunkirk, NY Phone: Phone: Fax: Fax: Website: CHRIC.org Area Served: Chautauqua County CHRIC provides assistance for low-income individuals and families in areas of home ownership, including grants from the Community Housing Development Organization (CHDO), Youthbuild, Acquisition/Rehab/Re-sale, emergency repairs, and a Family Loan Program. Chautauqua Opportunities Incorporated 17 West Courtney Street Dunkirk, NY Phone: Web Site: Area Served: Chautauqua County Chautauqua Opportunities, Inc. (COI) provides a variety of housing and other services throughout Chautauqua County. Citibank 3330 Monroe Ave. Rochester, NY Phone: Website: Citibank is a full-service commercial bank with branches across Erie County. Citibank offers a range of mortgage loans as well as home equity loans. 16

22 Citizens Alliance, Inc. 836 East Delevan Ave. Buffalo, NY Phone: Area Served: Delevan-Grider community A community-based organization that provides access to housing for low- and moderateincome residents through its First-Time Homebuyer Program, 60/40 Owner-Occupied Home Improvement Program, Homebuyer Club, and Lease-to-Buy Program. City Mission (Buffalo) 100 East Tupper Street Buffalo, NY Phone: Fax: Website: Area Served: All Western New York City Mission provides safe lodging each night at its Men s Center located at 100 East Tupper Street. Nightly shelter for homeless women and children is available at its Cornerstone Manor facility. Claddagh Commission, Inc Lake Shore Road Derby, NY Phone: Fax: Area Served: Erie County This Commission provides residential services for developmentally disabled, including supervised community residences, apartments, and individual residential alternatives. Overnight respite is also available. Community Action Organization 99 Harvard Place Buffalo, NY Phone: Fax:

23 Area Served: Erie County One of the goals of the CAO is to make decent and affordable housing accessible to poor and low-income families. It subscribes to one of the strategic goals of HUD which provides buying or renting opportunities to families suiting their individual needs. It also provides assistance in obtaining and residing in affordable, safe housing. Compass House Resource Center 1451 Main Street Buffalo, NY Phone: Area Served: Erie County Compass House Resource Center provides non-residential support service for males and females ages Case management assistance is provided to secure housing. Core Area Preservation Company, Inc. (The) 109 East Second Street Dunkirk, NY Phone: Fax: Area Served: Chautauqua County The Core Area Preservation Company provides affordable housing and housing-related services in the Core Area of the City of Dunkirk. It also provides technical assistance in the area of housing feasibility studies to local non-profit organizations and administers a revolving loan fund through a local foundation. Delta Development of WNY 525 Washington Street Buffalo, NY Phone: Fax: Website: Area Served: Eight county region contained within the Buffalo Diocese It provides adequate, affordable housing for low-income households, senior citizens, and the handicapped, as well as case management. 18

24 Ellicott District Community Development Corp. 644 William St. Buffalo, NY Phone: Fax: This is a non-profit housing and community development organization funded by the City of Buffalo (CDBG), NYS Division of Housing and Community Renewal, and private donations. The Ellicott District CDC provides a wide range of information on housing services and referrals. Department of Environment and Planning (Erie County) 95 Franklin St. Buffalo, NY14202 Phone: Fax: Area Served: Erie County (except the City of Buffalo), Towns of Amherst, Cheektowaga, Tonawanda and Hamburg, plus villages within the Towns. Housing Programs for low- and moderate-income households include: First-Time Homebuyers Program, Housing Rehabilitation Program, Sewer Tap-In Program, and the Mobile Home Program. Eligible income at or below 80% of the median income. Erie County Fair Housing Partnership, Inc Main Street Buffalo, NY Phone: The Fair Housing Partnership is a nonprofit agency composed of agency representatives from various community organizations which are concerned about equal housing opportunity. The purpose of this organization is to promote fair housing through education and outreach. Evans National Bank North Main Street Angola, NY Phone: Fax:

25 Evans National Bank, with seven branches serving Erie, Northern Chautauqua, and Cattaraugus Counties, is a community bank providing a full range of services. Fillmore Leroy Area Residents (FLARE) 307 LeRoy Avenue Buffalo, NY Phone: Fax: Area Served: Central Park Masten District FLARE provides a wide variety of housing services throughout the Central Park section of the Masten District, including rental units, acquisition rehabilitation sale program, beautification projects, new construction projects, grants, and loans. First Niagara Bank P.O. Box South Transit Road Lockport, NY Phone: Fax: First Niagara Bank is a locally-based bank dedicated to delivering quick, personalized service and building long-term relationships with clients. Services include checking and savings accounts, cash management services, loan and mortgage products and others. Contact First Niagara Bank s Mortgage Production Manager for more information. Fleet National Bank 10 Fountain Plaza Buffalo, NY Phone: Fax: Website: Area Served: Western New York Fleet National Bank is a full-service commercial bank with branches across Western New York. Fleet offers a variety of mortgage services, including FHA and VA mortgages. 20

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