Directory of Western New York Housing Services

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

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

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

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

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...102 iv

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....11 Bethel Community Development Corporation....12 Black Rock-Riverside NHS....13 Broadway-Fillmore NHS...13 Chautauqua Home Rehabilitation & Improvement Corp....16 Chautauqua Opportunities....16 Community Action Org....17 Core Area Preservation Company....18 Heart of the City Neighborhoods...21 Hispanics United of Buffalo...22 HomeFront...22 Kensington-Bailey Neighborhood Housing Services.....25 Lackawanna CDC...26 Lovejoy District NRS....26 NHS of South Buffalo, Inc...27 Niagara Falls NHS....29 North Tonawanda Comm. Dev. Office (City of)...29 Old First Ward Comm. Ctr....29 Polish Community Center...30 Rural Revitalization Corp....31 Seventy-Eight Restoration Corp....32 University Heights CDA...34 Urban League of Buffalo......34 West Side NHS......34 Finding and Evaluating Mortgages These agencies offer counseling on the various loan products available. Belmont Shelter Corp....11 Bethel Community Development Corporation....12 Chautauqua Home Rehabilitation & Improvement Corp.....16 Chautauqua Opportunities....16 1

Community Action Org...17 Core Area Preservation Company....18 Hispanics United of Buffalo...22 HomeFront...22 Lovejoy District NRS...26 North Tonawanda Comm. Dev. Office (City of)...29 Polish Community Center......30 Rural Revitalization Corp...31 University Heights CDA....34 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....11 Chautauqua Home Rehabilitation & Improvement Corp...16 Community Action Org....17 Core Area Preservation Company....18 Hispanics United of Buffalo...22 HomeFront...22 Kensington-Bailey Neighborhood Housing Services...25 Polish Community Center......30 Seventy-Eight Restoration Corp...32 University Heights CDA....34 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....11 Black Rock-Riverside NHS...13 Chautauqua Home Rehabilitation & Improvement Corp...16 Chautauqua Opportunities....16 Community Action Org...17 Core Area Preservation Company....18 HomeFront...22 Niagara Comm. Action Program...28 Polish Community Center......30 Rural Revitalization Corp...31 Seventy-Eight Restoration Corp...32 University Heights CDA....34 2

Urban League of Buffalo......34 West Side NHS......34 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....11 Chautauqua Home Rehabilitation & Improvement Corp.....16 Chautauqua Opportunities....16 University Heights CDA...34 Urban League of Buffalo......34 Locating Housing Housing Search These agencies help individuals/families find affordable housing. Belmont Shelter Corp....11 Community Action Org....17 Core Area Preservation Company....18 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....31 University Heights CDA...34 Urban League of Buffalo...34 West Side NHS......34 Rental These agencies offer general assistance to individuals/families seeking affordable rental property. Belmont Shelter Corp....11 Bethel Community Development Corporation....12 Community Action Org....17 Core Area Preservation Company....18 Heart of the City Neighborhoods...21 Hispanics United of Buffalo...22 Polish Community Center...30 Rural Revitalization Corp....31 Seventy-Eight Restoration Corp....32 University Heights CDA...34 Urban League of Buffalo......34 West Side NHS......34 Apartments Belmont Shelter Corp....11 3

Black Rock-Riverside NHS...13 Community Action Org...17 Core Area Preservation Company....18 Heart of the City Neighborhoods....21 HELP - Buffalo...21 Hispanics United of Buffalo...22 Kensington-Bailey NHS...25 Lackawanna MHA...26 Niagara Falls Housing Auth......28 Polish Community Center......30 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....16 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......34 Urban League of Buffalo...34 Homeless Services Chautauqua Opportunities....16 City Mission (Buffalo)....17 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....28 Old First Ward Comm. Ctr...29 Polish Community Center......30 4

Rental Assistance Corp...31 University Heights CDA...34 Urban League of Buffalo...34 WNY Veteran s Housing Coalition...35 Transitional Chautauqua Opportunities....16 Community Action Org....17 Hispanics United of Buffalo...22 International League of Muslim Women...24 Lackawanna MHA...26 Urban League of Buffalo......34 WNY Veteran s Housing Coalition...35 Women for Human Rights and Dignity, Inc...35 Rural Belmont Shelter Corp....11 Rural Revitalization Corp....31 Southtowns Rural Preservation Co., Inc...32 HOPWA (Housing Opportunities for Persons with AIDS) Benedict House of WNY....12 Chautauqua Opportunities....16 Community Action Org....17 Veterans Services Belmont Shelter Corp....11 Community Action Org....17 Rental Assistance Corp...31 WNY Veteran s Housing Coalition...35 Persons with Disabilities Belmont Shelter Corp....11 Community Action Org....17 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....13 Chautauqua Home Rehabilitation & Improvement Corp....16 5

Chautauqua Opportunities....16 Core Area Preservation Company....18 HomeFront...22 HOME (Housing Opportunities Made Equal)...23 Neighborhood Legal Services.....28 Niagara Comm. Action Program...28 Old First Ward Comm. Ctr...29 University Heights CDA....34 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....11 Bethel Community Development Corporation...12 Community Action Org...17 Core Area Preservation Company....18 Hispanics United of Buffalo...22 Old First Ward Comm. Ctr...29 University Heights CDA......34 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....11 University Heights CDA....34 Home Improvement Rehabilitation The following agencies offer assistance with repairing existing properties. Town of Amherst Department of Planning & Comm. Dev...10 Belmont Shelter Corp....11 Bethel Community Development Corporation...12 Black Rock-Riverside NHS...13 Broadway-Fillmore NHS...13 Chautauqua Home Rehabilitation & Improvement Corp...16 Chautauqua Opportunities....16 Community Action Org...17 Core Area Preservation Company....18 Heart of the City Neighborhoods....21 Hispanics United of Buffalo...22 HomeFront...22 Kensington-Bailey Neighborhood Housing Services...25 Lackawanna CDC...26 Lovejoy District NRS...26 6

NHS of South Buffalo...27 Niagara Comm. Action Program...28 Niagara Falls NHS....29 North Tonawanda Comm. Dev. Office (City of)...29 Old First Ward Comm. Ctr....29 Rural Revitalization Corp....31 Seventy-Eight Restoration Corp....32 Southtowns Rural Preservation Co., Inc...32 University Heights CDA...34 Urban League of Buffalo......34 West Side NHS......34 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....18 NHS of South Buffalo...27 Niagara Community Action Program......28 Niagara Falls NHS....29 Old First Ward Comm. Ctr....29 Polish Community Center...30 Seventy-Eight Restoration Corp....32 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....13 Chautauqua Home Rehabilitation & Improvement Corp....16 Community Action Org.....17 Core Area Preservation Company....18 Hispanics United of Buffalo...22 Old First Ward Comm. Ctr......29 Seventy-Eight Restoration Corp....32 Urban League of Buffalo......34 West Side NHS......34 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 www.hud.gov/offices/pih/programs/hcv/about/fact_sheet.cfm Belmont Shelter Corp.....11 7

Bethel Community Development Corporation...12 Black Rock-Riverside NHS...13 Chautauqua Opportunities....16 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.....11 Chautauqua Opportunities....16 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....18 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......30 Rural Revitalization Corp...31 Southtowns Rural Preservation Co., Inc...32 University Heights CDA......34 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...20 8

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....12 Black Rock-Riverside NHS....13 Chautauqua Home Rehabilitation & Improvement Corp....16 Community Action Org....17 Core Area Preservation Company....18 Hispanics United of Buffalo...22 HomeFront...22 Kensington-Bailey Neighborhood Housing Services...25 Lackawanna CDC...26 Lovejoy District NRS....26 North Tonawanda Comm. Dev. Office (City of)...29 Old First Ward Comm. Ctr....29 Rural Revitalization Corp......31 City of Tonawanda Comm. Dev. Agency...33 University Heights CDA...34 Urban League of Buffalo......34 West Side NHS......34 9

ALPHABETICAL LISTING OF AGENCIES Alden State Bank 13216 Broadway Alden, NY 14004 Phone: 716-937-3381 Fax: 716-937-9662 Website: www.aldenstate.com 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 14209 Phone: 716-886-7500 Fax: 716-878-2389 Website: www.redcross.org/ny/buffalo 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 14221 Phone: 716-631-7082 Fax: 716-631-7153 Website: www.amherst.ny.us 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

Asbury Shalom Zone 520 Seventh Street Buffalo, NY 14201 Phone: 716-886-8232 Fax: 716-883-5607 Area Served: 14201 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 14001 Phone: 716-542-5401 Fax: 716-542-5510 Website: www.bankofakron.com 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 14080 Phone: 716-537-2264 Fax: 716-537-2490 Website: www.bankofhollandny.com 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 14209 Phone: 716-884-7791 Hamburg office: 716-312-8075 Fax: 716-884-8026 E-mail: Ehuckabone@belmontshelter.org Website: www.belmontshelter.org Area Served: Western New York 11

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. 2211 Main Street Buffalo, NY 14214 Phone: 716-834-4940 Fax: 716-834-7064 Website: www.benedicthouse.org 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. 1525 Michigan Avenue Buffalo, NY 14209 Phone: 716-886-1650 Fax: 716-886-2311 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 14209-2201 Phone: 716-883-5050 Fax: 716-883-5349 Website: www.upstateny.bbb.org 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

Black Rock-Riverside NHS 203 Military Road Buffalo, NY 14207 Phone: 716-877-3910 Fax: 716-877-3912 E-mail: riverrocknhs3@choiceonemail.com 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 14212 Phone: 716-852-3130 Fax: 716-852-3552 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 14217 Phone: 716-874-7284 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 14202 Phone: 716-847-6960 Buffalo Metropolitan FCU offers mortgages. Membership is limited to select companies, located primarily in the downtown area. Call for details. 13

Buffalo City Office of Strategic Planning 920 City Hall Buffalo, NY 14202 Phone: 716-851-5035 Fax: 716-854-0172 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 14202 Phone: 716-855-6711 Fax: 716-855-6761 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 14206 Phone: 716-854-2458 Buffalo Postal Community FCU offers mortgages. Membership is limited to postal employees. Buffalo Service CU 111 W. Huron St. Room 1104 Buffalo, NY 14202 Phone: 716-842-1320 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 14203 Phone: 716-856-4494 14

Fax: 716-842-1277 Website: www.ccwny.org/home/index.html 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 14755 Phone: 716-938-9128 Fax: 716-938-6021 Website: www.ccblv.com E-mail: smarranca@ccblv.com 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. 1824 Main Street Niagara Falls, NY 14305 Phone: 716-282-3738 Fax: 716-282-9607 Website: www.centercitynf.org 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 14221 Phone: 716-630-2142 Fax: 716-630-2175 15

E-mail: enegron@charteronebank.com Website: www.charterone.com/rcsb 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 14757 Dunkirk, NY 14048 Phone: 716-753-4652 Phone: 716-366-4258 Fax: 716-753-4508 Fax: 716-366-1350 E-mail: CHRIC@netsync.net 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 14048 Phone: 716-366-3333 Web Site: www.chautauquaopportunities.com 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 14618 Phone: 585-383-5250 Website: www.citibank.com 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

Citizens Alliance, Inc. 836 East Delevan Ave. Buffalo, NY 14215 Phone: 716-895-2234 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 14203 Phone: 716-854-8181 Fax: 716-854-7334 E-mail: buffalocitymission@juno.com Website: www.buffalomission.org 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. 7200 Lake Shore Road Derby, NY 14047 Phone: 716-947-5857 Fax: 716-947-5957 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 14209 Phone: 716-881-5150 Fax: 716-880-6010 17

E-mail: SDA27@hotmail.com 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 14209 Phone: 716-884-3066 Area Served: Erie County Compass House Resource Center provides non-residential support service for males and females ages 16-20. Case management assistance is provided to secure housing. Core Area Preservation Company, Inc. (The) 109 East Second Street Dunkirk, NY 14048 Phone: 716-366-1748 Fax: 716-366-2002 E-mail: Capco@netsync.net 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 14203 Phone: 716-897-1505 Fax: 716-856-7201 Website: www.deltadevelopmentwny.com 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

Ellicott District Community Development Corp. 644 William St. Buffalo, NY 14206 Phone: 716-856-3262 Fax: 716-856-7034 E-mail: ellicottcdc644@aol.com 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: 716-858-6927 Fax: 716-858-7248 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. 1195 Main Street Buffalo, NY 14209-2196 Phone: 716-884-2358 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 14-16 North Main Street Angola, NY 14006 Phone: 716-549-1000 Fax: 716-549-0720 19

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 14214 Phone: 716-838-6740 Fax: 716-838-6919 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 514 6950 South Transit Road Lockport, NY 14095-0514 Phone: 716-625-7531 Fax: 716-625-8692 www.first-niagara.com 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 14202 Phone: 716-847-7244 Fax: 716-847-4409 Website: http://mortgagecenter.fleet.com 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

Greater Buffalo Savings Bank 47 Court St. Buffalo, NY 14202 Phone: 716-842-0827 Fax: 716-842-0843 Website: www.gbsb.com Area Served: Western New York Greater Buffalo Savings Bank offers a variety of first mortgage loans with competitive rates, terms, and repayment options, throughout Western New York. Habitat for Humanity Buffalo PO Box 511 Buffalo, NY 14205 Phone: 716-741-3079 Fax: 716-741-8529 Website: www.habitat.bfn.org Area Served: Buffalo, Erie County Habitat for Humanity renovates existing homes and builds new ones. These homes are available for low-income families who do not have the resources to qualify for conventional mortgages. They are sold at no profit and bear no interest for 20 years. Heart of the City Neighborhoods, Inc. 671 Main Street Buffalo, NY 14203 Phone: 716-856-3150 Fax: 716-856-0861 Area Served: Near East & Lower West Buffalo This not-for-profit corporation is responsible for coordinating affordable housing and neighborhood supportive development in downtown Buffalo, the lower West Side and near East Side. HELP Buffalo Inc. 384 Broadway Buffalo, NY 14204 Phone: 716-842-0080 Fax: 716-842-0111 E-mail: jleary@helphousing.org Website: www.helpusa.org 21

Area Served: Erie and Niagara County Local affiliate of HELP USA. The local program provides 25 units of supportive housing for homeless single adults. These apartments are furnished, with utilities paid. Case management is also provided. Hispanics United of Buffalo 254 Virginia Street Buffalo, NY 14201 Phone: 716-856-7110 Fax: 716-856-9617 E-mail: HispanicsunitedofBuffalo@hotmail.com Area Served: Lower West Buffalo Hispanics United of Buffalo (HUB) advocates affordable housing for low- to moderateincome residents by offering assistance with loan and grant applications, counseling and referral services. HUB has helped develop a network of neighbors who help neighbors help themselves and encourages development of self-help groups to resolve community problems and provide Hispanic cultural activities. HomeFront (Buffalo) 361 Delaware Avenue, Suite 308 Buffalo, NY 14202 Phone: 716-856-2952 Fax: 716-856-4639 E-mail: bchomefront@excite.com Area Served: Erie County HomeFront operates the Homeownership Center which offers services to help local residents buy and maintain their own residences. In partnership with several other housing agencies, government agencies, and lenders, HomeFront is able to offer services which include Pre-Purchase Education Classes and Financial Assistance in addition to purchasing and rehabilitating homes. HomeFront also provides planning services for CBOs and referral services. Homespace Corp. PO Box 462, Station C Buffalo, NY 14209 Phone: 716-881-4600 Fax: 716-881-4604 Service Area: Erie County 22

Homespace provides transitional housing for single parents with 1-3 children or expectant single mothers in their third trimester, ages 18-25. This corporation provides affordable housing in a supportive community environment designed to meet the needs of homeless young families. Housing Opportunities Made Equal (HOME) 700 Main Street Buffalo, NY 14202 Phone: 716-854-1400 Fax: 716-854-1140 Website: www.homewny.com Area Served: Erie and Niagara County In addition to a variety of housing services, HOME provides assistance to housing discrimination victims through landlord/tenant counseling, workshops, seminars, diversity training and dissemination of publications designed to help landlords and tenants. Housing Options Made Easy, Inc. 75 Jamestown Street Gowanda, NY 14070 Phone: 716-532-5508 Fax: 716-532-5618 Website: www.housingoptions.org Area served: Chautauqua, Cattaraugus, Allegany and Erie Counties Housing Options Made Easy assists persons with mental illness in obtaining and retaining affordable housing and support services through rent subsidies. Eligibility is based on specific qualifications. HSBC Bank USA One HSBC Center Buffalo, NY 14203 Phone: 716-841-6787 www.banking.us.hsbc.com http://us.hsbc.com/sp/index.html en espagnol HSBC offers the First Home Club matched savings program, available for prospective home buyers in New York State. Financed by the Federal Home Loan Bank of New York, this program allows qualified first-time home buyers to earn $3 in grant monies for every $1 saved over a 10- to 30-month period. As a result, potential home owners can obtain a maximum grant of $5,000 for opening an account at HSBC Bank USA and saving $1,667 through regular monthly installments. At the conclusion of the program, the 23

applicant/depositor will have funds totaling as much as $6,667 to go toward the down payment and closing costs for purchase. International League of Muslim Women 162 Box Avenue Buffalo, NY 14211 Phone: 716-892-6013 Fax: 716-892-3211 Area Served: Riverside/Black Rock, East Buffalo, Lackawanna The International League of Muslim Women, Inc., works to improve housing conditions for Somali and Sudanese refugees. It offers assistance with the Section 8 application process contacting landlords, and assisting with security deposits and rent. International Marketplace 283 Grant Street Buffalo, NY14213 Phone: 716-886-4420 The Housing Unit coordinates and administers loans, grants, and city-sponsored programs to preserve and maintain area housing. JP Morgan Chase One Chase Square Rochester, NY 14643 Phone: 585-258-7490 Fax: 585-258-5091 Chase offers first-time homebuyer programs including FHA/VA/FHA 203K, SONYMA, no down payment and financed closing costs. Chase also offers home equity loans and lines of credit. In designated lower-middle income areas, Chase offers reduced closing costs and/or rates. Jamestown Savings Bank 1-7 W. Third St. Jamestown, NY 14701 Phone: 716-488-1265 24

Jamestown Savings Bank provides a full range of financial services at its seven branches in Chautauqua, Cattaraugus, and Erie Counties. Kenmore Housing Authority 657 Colvin Blvd. Kenmore, NY 14217 Phone: 716-874-6000 Kenmore Housing Authority provides housing assistance to income-eligible candidates. Kensington-Bailey NHS 995 Kensington Avenue Buffalo, NY 14215 Phone: 716-836-3600 Fax: 716-836-3686 E-mail: jeromekbnhs@yahoo.com Area Served: North-East Buffalo KBNHS is part of the City of Buffalo s housing services network, offering a variety of programs and services to identify and resolve issues and empower residents in improving housing and community needs. Working with a partnership of volunteers, government and private funders, its actions are undertaken for the benefit of residents, businesses, and property owners of the Kensington-Bailey neighborhood through CDBG and other city and state sources. KeyBank National Association 50 Fountain Plaza, 5 th Floor Buffalo, NY 14202 Phone: 716-847-2395 Fax: 716-847-7879 Website: www.key.com E-mail: Catherine_M_Braniecki@KeyBank.com KeyBank offers a full complement of mortgage products for the first-time buyer, or a current homeowner looking to refinance or consolidate finances. Key offers conventional fixed-rate and adjustable-rate mortgages, Rural Development mortgages, FHA and VA mortgages as well as state programs such as SONYMA in New York. Key also offers the Nehemiah program. 25

Lackawanna Community Development Corporation 697 Ridge Road Lackawanna, NY 14218 Phone: 716-823-5124 Fax: 716-823-5947 E-mail: LHDCORP@aol.com Area Served: City of Lackawanna This not-for-profit housing agency provides funds for first-time home buyers of new construction or the purchase of existing homes. LHDC assists homeowners with rehab costs, development of long-range housing planning for low-to moderate-income families through CDBGs. Lackawanna Municipal Housing Authority 135 Odell Street Lackawanna, NY 14218 Phone: 716-823-2551 Fax: 716-823-4418 Area Served: City of Lackawanna LMHA provides low-income housing in Lackawanna, serving elderly, disabled, and/or lowincome families at Parkview Towers, Baker Homes and the Gates Project. Lake Shore Behavioral Health Homeless Services Program 951 Niagara Street Buffalo, NY 14213 Phone: 716-884-0888 Area Served: Erie County This program provides psychiatric outreach services to individuals in the homeless shelters of Erie County, including housing assistance and case management. Lovejoy District NRS 615 Walden Avenue Buffalo, NY 14206 Phone: 716-896-5010 Fax: 716-896-5247 E-mail: dhldnrs@yahoo.com Area Served: Buffalo Lovejoy District 26

Lovejoy District Neighborhood Revitalization Services provides a variety of housing services encompassing acquisition, renovation and new-build construction for low- and moderate-income individuals and families within the Lovejoy District. It also offers home ownership education classes for new homeowners. The agency supports small business development through the Business Improvement/Attraction Program, which offers a matching grant for façade improvements to new and existing businesses. In 2002, Lovejoy District NRS expanded its community development role to include neighborhood planning services for any CDC or Neighborhood Housing Services (NHS) organization within and affecting the Lovejoy Councilmanic District. Lt. Col. Matt Urban Human Services Center of WNY (see Polish Community Center of Buffalo, Inc.) M&T Bank 4925 Main Street Amherst, NY 14226 Phone: 716-839-8700 Fax: 716-839-8744 www.mandtbank.com www.mtespanol.com en Espagnol M&T Bank offers counseling for first-time homebuyers seeking mortgages and home equity loans in addition to a full range of products and services, including traditional checking accounts and financing programs. Native American Community Services of Erie and Niagara County 1005 Grant Street Buffalo, NY 14207 Phone: 716-874-4460 Area Served: Erie and Niagara Counties NACS offers assistance with rental and mortgage costs to eligible persons. NHS of South Buffalo, Inc. 1937 South Park Avenue Buffalo, NY 14220 Phone: 716-823-3630 Fax: 716-823-2967 Area Served: 14210, 14220 - South Buffalo 27

NHS, part of the City of Buffalo s housing services network, offering a variety of programs and services to identifying and resolving issues and empowering residents to improve housing and community needs. Working with a partnership of volunteers, government, and private funders, its actions are undertaken for the benefit of the residents, businesses, and property owners in the 14210 and 14220 zip code areas and South Buffalo neighborhoods through CDBG and other city and State sources. Neighborhood Legal Services 295 Main Street, Room 495 Buffalo, NY 14203 Phone: 716-847-0650 Website: www.nls.org NLS provides legal services for matters involving evictions and other private landlord and tenant matters, housing conditions, public, and subsidized housing and housing discrimination. Services are provided free to financially eligible persons who reside in Erie County. A limited number of calls are accepted each day on a first-come first-served basis beginning promptly at 9:00 a.m. Monday - Friday. Niagara Community Action Program 1521 Main Street Niagara Falls, NY 14301 Phone: 716-285-9681 Fax: 716-285-9693 E-mail: sshears@prodigy.net Area Served: Niagara County Niagara Comm. Action Program, Inc., is a private, not-for-profit human services agency providing programs and services targeting low-income individuals and families in Niagara County. Niagara Falls Housing Authority 744 Tenth Street Niagara Falls, NY 14301 Phone: 716-285-6961 Fax: 716-285-3407 E-mail: nfha@nfha.org Website: www.nfha.org Area Served: Niagara County 28

The goal of the NFHA is to ensure safe, decent and affordable housing; create opportunities for residents self-sufficiency and economic independence; and assure fiscal integrity by all program participants. Niagara Falls NHS 479 16 th Street Niagara Falls, NY14303 Phone: 716-285-7778 NFNHS offers a variety of programs and services to identify and resolve issues and empower residents in improving housing and community needs. Working with a partnership of volunteers, government, and private funders, its actions are undertaken for the benefit of the residents, businesses, and property owners in Niagara Falls through CDBG and other city and state sources. North Buffalo Community Development Corporation 203 Sanders Road Buffalo, NY 14216 Phone: 716-874-6133 Fax: 716-874-1647 This Corporation 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 North Buffalo CDC provides a wide range of information on housing services and referrals. North Tonawanda Community Development Office (City of) 460 Wheatfield Street, Suite 207 North Tonawanda, NY 14120 Phone: 716-695-8580 ext 515 Fax: 716-695-8533 Area Served: North Tonawanda The North Tonawanda Community Development Office (CDO) administers housing to a variety of housing programs serving lower-income residents. The CDO also administers assistance programs for first-time home ownership, serving households with limited financial resources. Old First Ward Community Center 62 Republic Street Buffalo, NY 14204 29

Phone: 716-856-8613 Fax: 716-856-8273 E-mail: cathyphi@msn.com Area Served: Southern Erie County This agency provides a variety of housing services for low-to moderate-income individuals and families, including grants, loans, and referral services. People Inc. 1219 North Forest Road Williamsville, NY 14221 Phone: 716-634-8132 Fax: 716-634-3889 Website: www.people-inc.org People Inc. offers a variety of housing services for seniors, both with and without developmental disabilities. To qualify, individuals must be at least age 62. Polish Community Center of Buffalo, Inc. d/b/a Lt. Col. Matt Urban Human Services Center of WNY 1081 Broadway Buffalo, NY 14212 Phone: 716-893-7222 Fax: 716-893-7242 E-mail: mwesolowski@urbanctr.org Website: www.urbanctr.org Area Served: East Buffalo The Lt. Col. Matt Urban Human Services Center is a multi-purpose community center located on the east side of Buffalo. The Urban Center s mission is to provide programs that enhance the quality of life, preserve neighborhoods, and encourage economic development. It also owns and manages a 32-unit senior center and 20-unit refugee center. Rebuilding Together of Greater Buffalo 121 Century Road Buffalo, NY 14215 Phone: 716-870-6723 E-mail: info@rebuildtogether.com Website: www.rebuildtogether.org Area Served: Greater Buffalo 30

The Mission of Rebuilding Together is to preserve and revitalize houses and communities, assuring that low-income homeowners, particularly those who are elderly, disabled, and families with children, live in warmth, safety and independence. Rental Assistance Corp. of Buffalo 470 Franklin Street Buffalo, NY 14202 Phone: 716-882-0063 Fax: 716-882-9512 Website: www.racbny.org E-mail: DMD@RACBNY.ORG Area served: All of Buffalo and Erie County RACB administers the Section 8 Voucher and Programs. Through these Section 8 programs, RACB and the City seek to provide rental assistance on behalf of low-income families and elderly, handicapped, or disabled individuals who could not otherwise afford decent, safe, and sanitary housing. Rural Revitalization Corporation 67 Main Street Salamanca, NY 14779 Phone: 716-945-3120 Fax: 716-945-4741 Area Served: Cattaraugus County Rural Revitalization Corp. is a community based, not-for-profit organization dedicated to assisting low-to moderate-income people with housing needs in Cattaraugus, southern Wyoming and Erie County, in partnership with national, regional and local organizations. Salvation Army Buffalo 960 Main Street Buffalo, NY 14202 Phone: 716-883-9800 Fax: 716-888-6299 Website: www.buffalosalvationarmy.org Area served: Buffalo and Erie County The Salvation Army meets basic needs of the homeless by providing safe and secure housing to eligible single women, families with both parents, or single men or women with children. 31

Seventy-Eight Restoration Corp. 38 Emerson Place Buffalo, NY 14209 Phone: 716-884-0815 Fax: 716-856-5900 Area Served: Erie County and Western New York Seventy-Eight Restoration Corporation works to develop comprehensive neighborhood revitalization programs; ensure implementation of such programs; provide physical development by construction, restoration, renovation or otherwise, of low- and moderatecost homes for purchase and rental; and to assist persons of low-to moderate-income with owning or renting. Southtowns Rural Preservation Company, Inc. 9441 Boston State Road PO Box 153 Boston, NY 14025 Phone: 716-941-5788 Fax: 716-941-5787 E-mail: SouthtownsRPC@aol.com Area Served: Southern Erie County The Southtowns RPC is a local, non-profit community development corporation serving the 10 rural towns and five villages in southern Erie County. The SRPC provides assistance with needed home repairs to income-eligible homeowners and offers referrals for other services. The SRPC also owns and manages the Boston School Apartments. State of New York Mortgage Agency 107 Delaware Avenue Buffalo, NY 14202 Phone: 716-853-1548 Area served: Cattaraugus, Chautauqua, Erie, Niagara Counties SONYMA is a public-benefit corporation of the State of New York. The purpose of this agency is to create affordable homeownership opportunities for low- and moderate-income first-time homebuyers and other qualifying homebuyers, and to provide mortgage insurance for qualifying real property loans. Supportive Services Corporation 245 Elmwood Avenue Buffalo, NY 14202 32

Phone: 716-881-6350 Fax: 716-881-6294 Website: www.supportiveservices.org Supportive Services Corporation provides weatherization assistance to income-eligible Erie County residents outside of the City of Buffalo and an Enriched Housing Program which provides congregate living arrangements for frail, elderly individuals. Tonawanda City Housing Authority 200 Gibson Street Tonawanda, NY 14150 Phone: 716-692-3555 Fax: 716-692-0418 Area Served: City of Tonawanda The Tonawanda City Housing Authority provides public housing for low-income families in three complexes within the City of Tonawanda. Residents of the city have first priority. Tonawanda Community Development Agency (City of) 200 Niagara Street Tonawanda, NY 14150 Phone: 716-695-8645 Fax: 716-695-8314 Area Served: City of Tonawanda The City of Tonawanda CDA provides a variety of housing services in the City of Tonawanda for low- to moderate-income individuals through its neighborhood housing program. Transitional Services Inc. 389 Elmwood Ave Buffalo, NY 14222 Phone: 716-874-8182 Fax: 716-877-6445 Website: www.tsiwny.org Area Served: Erie County TSI provides accommodations for persons with severe mental illness in group home, supervised apartment and scattered-site community apartment settings. Staff provides individual assessment, rehabilitation services, case management, and supportive counseling. 33

University Heights CDA, Inc. 3242 Main Street Buffalo, NY 14214 Phone: 716-832-1010 Fax: 716-832-5099 E-mail: UHCDA@aol.com Area Served: North Buffalo University Heights CDA offers programs and services meeting a full range of housing needs, including housing and homeownership services, acquisition rehab and resale, homebuyer classes and foreclosure avoidance counseling. U.S. Department of Housing & Urban Development 465 Main Street Buffalo, NY 14203 Phone: 716-551-5755 Fax: 716-551-5752 Website: www.hud.gov Area Served: 48 County Upstate New York area This agency offers programs on home ownership, Sec. 203K home improvement loans, equal opportunity and fair housing programs, multi-family project-based housing, public housing, community planning and development CDBG grants as well as many others. HUD works with local housing agencies to provide access to Housing Counseling services for all residents. Urban League of Buffalo 15 East Genesee Street Buffalo, NY 14203 Phone: 716-854-7625 Fax: 716-854-8960 E-mail: Housing@Buffalourban.org Area Served: Erie County The Urban League offers housing assistance services to the community which provides a more comfortable transition to a new residence or maintenance of a current residence. The Buffalo Urban League is a HUD Certified Housing Agency. Homeownership Training, Mortgage Default Counseling, and Emergency Housing Assistance is available. West Side Neighborhood Housing Services 359 Connecticut Street Buffalo, NY 14213 34

Phone: 716-885-2344 Fax: 716-885-2346 E-mail: LC359@aol.com Area Served: West Buffalo West Side NHS is a partnership of area residents, business people and government officials who provide safe and affordable housing for low- to moderate-income families in addition to identifying and solving neighborhood problems. West Side NHS offers a security program and minor home-repair program in the form of grants to clients. Western New York Veterans Housing Coalition 25 W. Utica St. Buffalo, NY 14209 Phone: 716-882-5935 x21 Fax: 716-883-3756 Website: www.wnyvhc.org Area Served: The counties of Erie, Niagara, Chautauqua, Cattaraugus, Wyoming, Genesee, Allegany, and Orleans The WNY Veterans Housing Coalition, Inc., is a non-profit agency that develops new apartment structures and/or renovates existing buildings to help provide quality, affordable housing for veterans, and other special needs populations of Western New York. Women for Human Rights and Dignity, Inc. 2278 Main Street Buffalo, NY 14214 Phone: 716-831-9821 Fax: 716-831-9828 This organization provides transitional housing, helping women and their families to utilize professional and community resources, getting a better handle on their lives. YWCA Residence 245 North Street Buffalo, NY 14201 Phone: 716-884-4761 Fax: 716-884-4765 This is an adult residence providing housing for mentally disabled, homeless women and children and homeless single women. Eligibility varies depending on the program. 35

WEBSITES http://www.redcross.org/ny/buffalo Buffalo Chapter of the American Red Cross http://www.amherst.ny.us Town of Amherst Department of Planning & Community Development http://www.belmontshelter.org Belmont Shelter http://www.benedicthouse.org Benedict House of WNY http:/www.upstateny.bbb.org Better Business Bureau http://www.buffalo.com Everything about Buffalo http://www.ccwny.org/home/index.html Catholic Charities Buffalo http://www.centercitynf.org Center City Neighborhood Development Corporation http://www.chric.org - Chautauqua Home Rehabilitation & Improvement Co. http://www.chautauquaopportunities.com Chautauqua Opportunities Incorporated http://www.buffalomission.org City Mission (Buffalo) http://www.deltadevelopmentwny.com Delta Development of WNY http://www.habitat.bfn.org Habitat for Humanity Buffalo http://www.helpusa.org HELP Buffalo http://homewny.fairhousing.com Housing Opportunities Made Equal (HOME) http://www.housingoptions.org Housing Options Made Easy, Inc. http://www.nls.org Neighborhood Legal Services http://www.nfha.org Niagara Falls Housing Authority http://www.people-inc.org People Incorporated http://www.urbanctr.org Polish Community Center of Buffalo, Inc. http://www.racbny.org Rental Assistance Corporation of Buffalo http://www.buffalosalvationarmy.org Salvation Army of Buffalo 36

http://www.supportiveservices.org Supportive Services Corporation http://www.tsiwny.org Transitional Services Inc. http://www.hud.gov US Department of Housing and Urban Development RELATED LINKS http://allwny.com/living.htm All western New York Guide to area web sites http://apartmentassistant.net/ - Free service where you enter your apartment preferences and receive a response back from a Real Estate Agent. www.apartmentguide.com Helps locate apartment and all other facets of moving. www.apartmentsnationwide.com Primarily for people relocating to another area. www.apartments.com Listing of apartments by state, also searchable by maximum rent. http://www.centralreferral.org Central Referral of Buffalo http://www.city-buffalo.com/files/1_2_1/block_grants/cdbg.pdf - 2002-2003 CONSOLIDATED PLAN PROCESS YEAR 28 HANDBOOK for: Community Development Block Grant, Emergency Shelter Grant, Housing Opportunities for Persons with AIDS. http://www.erie.gov/depts/seniorservices Erie County Department of Senior Services contains a listing of independent senior citizens housing http://www.ecfhp.org Erie County Fair Housing Partnership http://www.fanniemae.com FannieMae www.homestore.com This site lists homes available for sale by area and by category. It also has information regarding moving, landscaping, loans, tools and calculators to help you plan. www.forrent.com/naac National Accessible Apartment Clearinghouse Free service to persons with disabilities. This organization finds housing based on individual needs. www.forrent.com This site allows you to search properties for rent and in some cases, floor plans, photographs, and 360 degree tours. http://www.usdoj.gov/crt/housing/title8.htm Fair Housing Act 37

http://www.oup.org/techassist/guidebook.pdf - Connecting with Communities: A User s Guide to HUD Programs and the 2002 SuperNOFA www.hud.gov/groups/disabilities.cfm One-stop shopping for persons with disabilities on the US Department of Housing and Urban Development website. www.livingchoices.com Provides listings of houses for sale and rental properties throughout the US and Canada. http://www.centerforhealthyhousing.org The National Center for Healthy Housing http://www.housingonline.com National Housing and Rehabilitation Association www.nehemiahprogram.org - Nehemiah Corporation (of California) serves as a catalyst for urban wealth creation and economic empowerment by its direct provision of affordable housing and homeownership and by providing support to other faith-based and communitybased organizations. http://www.dhcr.state.ny.us NYS Division of Housing and Community Renewal www.rent.com Free service designed to help locate rental properties in your area. www.reverse.org/basic%20q&a.htm Basic questions and answers about reverse mortgages. http://www.stlouisfed.org/community/selfstudy/default.html - A self-study guide on the subject of Community Development Financing. This site was developed by the Community Affairs Department of the Federal Reserve Bank of St. Louis. http://www.uwbec.org United Way of Buffalo and Erie County WEB SITES IN SPANISH http://www.mtespanol.com Spanish language site for M&T Mortgage Corporation. http://www.hud.gov/index.es.html Spanish translation of the Housing and Urban Development (HUD) site. http://us.hsbc.com/sp/index.html HSBC Spanish site 38

OTHER RELATED RESOURCES The Buffalo Don t Borrow Trouble Project 1-866-375-0408 or 854-7625. Call for advice on borrowing money, preventing foreclosure, and credit card debt. Buffalo Fair Housing Office 716-851-4212 Legal Aid Bureau 716-853-9555 The Western New York Independent Living Project, Inc. (ILP) 716-836-0822. This is a family of agencies operated by and for people with disabilities. Core services include: Benefits Advisement, Advocacy (Individual and Systems Advocacy, however NOT Legal Advocacy), Information and Referral (Disability laws, codes; Instructional videos; reference material; etc.) Peer Counseling, and Independent Living Skills Training. Call 716-836-0822 for more information. National Accessible Apartment Clearinghouse 800-421-1221 This agency provides information about handicapped accessible apartments throughout the United States. Apartment Finder guide -- 800-822-4300 39

RENTER S GUIDE 1 The following tips for renters were supplied by the Independent Living Center. You will find this comprehensive list to be very useful in helping you find the apartment that suits your individual needs. Before you begin your search, ask yourself these questions: How much can I afford for rent and utilities, and still have money for food and necessities? A government guideline is 25% to 40% of net income toward rent. Do I want to live alone, or with someone? Who? Do I want to live in an apartment building, complex, duplex, or individual house? How many rooms, bedrooms, bathrooms do I need? Do I have many belongings? Begin your search by looking in all available resources. Most of the agencies in this directory can help you locate safe, affordable housing. In addition, you may check the following resources: Buffalo News Metro Community News Apartment Spotlight or Renters Guides available in area supermarkets, in the free paper section. Walk or drive through the area, looking for FOR RENT signs. Check area Community Centers, Houses of Worship, Senior Centers and places of gathering. Ask the leader or staff if they know of any apartments. Ask if they have a newsletter or pamphlet you may have. Ask if you can put an advertisement in the newsletter or on the bulletin board. If yes, do it. Check bulletin boards. Stores, restaurants and laundromats often have bulletin boards; check those. Ask the manager if you can post a notice that you are looking for an apartment. If yes, do it. Ask friends, relatives, and co-workers if they know of any apartments in the area. Even if they don t live there, they might have friends or relatives who do, or know of vacancies. When you find an apartment: Call for availability, if it s been rented, or if there is a waiting list. If it s available, make an appointment to see it. KEEP the appointment. How much is the rent? Does it include utilities? When is rent due? Are rental subsidies available? What are the qualifications? How do you apply? Is there a waiting list? If you pay utilities, ask for a billing history. You have the right to see a billing history. Is a security deposit required? If so, how much? Is it to be paid with the first month s rent or can it be paid in installments? What are the conditions for the security deposit? 40

What are the conditions for return of the security deposit? How long will it take? Did the previous tenant(s) get the security deposit back? If not, why not? Is a lease required? Do I know anybody who lives in this complex or has this landlord? If so, ask them about the landlord. Are repairs completed in a timely fashion? Is yard work attended to? Is the landlord or a representative available when needed? Is there anything else they can tell you to help you make a more informed decision? Before you leave for the appointment: Things to take with you Name, address, phone number, time and date of meeting, and directions. Paper and pen for taking notes. Flashlight to look into cupboards, under sinks, and into storage areas, and other dimly-lit spaces. Hair dryer, lamp or other small appliance to make sure electrical outlets work. A friend for a second opinion. Especially helpful if your friend is apartment savvy. Just to be safe, always leave information on where you are going with another friend or relative. When you get there: Check if stairs (outer & inner) are well lit and in good condition? Do all have railings? Is the building secure? Are there dead bolt locks on common doors? Do locks work properly? Is the apartment secure? Are dead bolts installed on apartment doors? Do they function properly? Are locks changed between tenants? Do windows have guards? They are required on all common windows above the 1 st floor and in all apartments with children under 10. This also restricts unlawful entry. Are there smoke detectors? Are they outside all bedrooms? Are they on every floor of a multi-level house? The landlord is responsible to provide them. Is there a fire exit? Is there a second floor fire exit? How are emergencies and maintenance handled? Should you contact the landlord, the maintenance person or someone else? Are there signs of bugs? Are there signs of mice or rats? Use your flashlight to look under sinks, in closets, in basement, attic and storage areas. What is the heating system? (gas, electric, radiators, oil or fireplace) Is it in good working order? Turn it on, even if it is out of season, to see if it works. Are there circuit breakers or fuses? Where are they located? Ask to see them. Are there separate meters for each apartment? Ask to see all meters. Who controls the thermostat? Where is it located? Does it work? Turn it on to see if it works. Is the temperature in the apartment comfortable today? If not, ask why. 41

Is there an air conditioner or central air? Is it in good working order? Turn it on, even if it is out of season, to see if it works. Does the landlord arrange for cleaning of outside windows? This is important on upper floors. Is a good bus route conveniently located? Walk to it. Can you walk there every day? Can you carry groceries that distance, every week? Is there a place to park your car? Is there a garage? Off street parking? How many parking spots are there? Are they assigned, or on a first-come basis? Is there a spot for you to park today? Can you carry groceries that distance, every week? Do you have use of the yard? This is important if moving into multi-unit houses, (duplex or similar) especially if landlord lives on-site. Are pets allowed in apartment? Are pets allowed in the yard? Are waterbeds allowed? This is important if you have one. Is smoking allowed? Where is trash pick-up? Is trash pickup free, or is there a charge? If so, what is the fee? Is there on-site laundry? Is it free or coin-operated? Are there laundry hookups? Ask to see them. Who is responsible for grounds maintenance? (mowing, raking, shoveling, and ice/snow removal) Am I close to the places important to me: Stores Clinic School Family Job Doctor Pharmacy Friends Restaurant Laundromat Recreation Day treatment Church Volunteer work Check each room separately: Are windows cracked or broken? Are they clean? Are storms and screens provided for all windows? Is there a storm door? Can windows be opened and closed easily? Try them all. Are there drafts around any window or door frames? Is the floor or carpet clean and well maintained? Is it stained, marred or gouged? Check floor, ceiling and wall tiles. Are they loose or missing? Are floor, ceiling, and walls clean? Is any paint or plaster cracked or peeling? Check walls and ceiling. Are walls and ceiling clean? Are there any water stains indicating previous water damage on floor, walls or ceiling? Are there enough electrical outlets in every room--at least two or three per room? Are they conveniently located? Are there any burn marks or discolorations near outlets? This may indicate past fire damage. Do all switches and outlets work? Check each one. Bring a small appliance to check outlets, both top and bottom plugs. A hairdryer is a good choice. Is there overhead lighting? Turn on every switch. If you can t see what it controls, ask. Is there enough room for all your furniture and other belongings? Are telephone jacks installed? Are they in good locations? The landlord is NOT responsible for this. 42

Is there cable hookup? If so, is it in all the rooms you want? If not, will the landlord let you have cable hookups installed? The landlord is NOT required to let you have cable installed. Things to check in different rooms: Bedroom: Will your bed and dresser fit comfortably in this room? Will all other furniture you currently have in the bedroom fit? Include nightstands, desk, chair, exercise equipment, chest, and all other items. Is there enough closet space? Living areas: Will everything you currently have in your living room fit in the new place? Is there a dining room? Will your furniture fit? Kitchen: Will your kitchen table fit? Are there enough cupboards? Will your appliances and dishes fit? What appliances are provided? Are they in good working order? Are they included in the rent quoted, or is that an extra charge? If so, how much? If there is a stove, light each burner and light the oven. Do all work? If there is a refrigerator, open it. Is it cold? Does it smell? Is there ice buildup in the freezer? Who is responsible for repair and maintenance on appliances? Turn on the cold water. Turn on the hot water. Are both running clean and clear? Is the water pressure good? How long does it take for the water to get hot? Does it drain properly? Where are the water and gas shut-offs? In kitchen or basement? Ask to see them. Bathroom: Is the toilet clean? Does it leak? Does it flush properly? Flush it. Turn water on in sink and tub (or shower)--first cold, then hot. Are all running clean and clear? Is the water pressure good? Is pressure still good when you turn on more than one faucet? Is pressure good when you flush? How long does it take for water to get hot? Does the water drain properly? Where are water shut-offs? Ask to see them. Is there water leakage, either plumbing or rainwater? 43

Other rooms: Is storage space provided? Where? Is it locked and secure? Is it large enough for your belongings? Is it safe from water damage? Water is a major concern in attic, basement, garage, and outside shed. Do you want or need any other storage space? Are there any other things important to you? Finally: If you like the apartment, take a walk around the neighborhood. Is it where you want to live? 1 Source: Independent Living Center; Buffalo, NY 44

AVOIDING FORECLOSURE 2 The guidance below (and in the "How to Avoid Foreclosure" pamphlet) is applicable to homeowners with FHA insured loans. While a good deal of this information may apply to all homeowners in danger of losing their homes, not all of the foreclosure avoidance tools mentioned may be available to you if you have a VA or conventional loan. Additionally, HUD/FHA does not have any Loss Mitigation oversight over VA or conventional loans. Please contact your lender or a housing counseling agency. Q: What happens when I miss my mortgage payments? Foreclosure may occur. This is the legal means that your lender can use to repossess (take over) your home. When this happens, you must move out of your house. If your property is worth less than the total amount you owe on your mortgage loan, a deficiency judgment could be pursued. If that happens, you not only lose your home, you also would owe HUD an additional amount. Both foreclosures and deficiency judgments could seriously affect your ability to qualify for credit in the future. So you should avoid foreclosure, if possible. Q: What Should I Do? 1. DO NOT IGNORE THE LETTERS FROM YOUR LENDER. If you are having problems making your payments, call or write to your lender's Loss Mitigation Department without delay. Explain your situation. Be prepared to provide them with financial information, such as your monthly income and expenses. Without this information, they may not be able to help. 2. Stay in your home for now. You may not qualify for assistance if you abandon your property. 3. Contact a HUD-approved housing counseling agency. Call 1-800-569-4287 or TDD 1-800-877-8339 for the housing counseling agency nearest you. These agencies are valuable resources. They frequently have information on services and programs offered by Government agencies as well as private and community organizations that could help. The housing counseling agency may also offer credit counseling. These services are usually free of charge. Q: What Are My Alternatives? You may be considered for the following: Special Forbearance. Your lender may be able to arrange a repayment plan based on your financial situation and may even provide for temporary reduction or suspension of payments. You may qualify for this if you have recently experienced a reduction in income or an increase in living expenses. You must furnish information to your lender to show that you will be able to meet requirements of the new payment plan. 45

Mortgage Modification. You may be able to refinance the debt and/or extend the term of your mortgage loan. This may help you catch up by reducing the monthly payments to a more affordable level. You may qualify if you have recovered from a financial problem and can afford the new payment amount. Partial Claim. Your lender may be able to work with you to obtain a one-time payment from the FHA-Insurance fund to bring your mortgage current. You may qualify if: 1. your loan is at least four months but no more than 12 months delinquent; 2. you are able to begin making full mortgage payments. When your lender files a Partial Claim, the U.S. Department of Housing and Urban Development will pay your lender the amount necessary to bring your mortgage current. You must execute a Promissory Note, and a Lien will be placed on your property until the Promissory Note is paid in full. The Promissory Note is interest-free and is due when you pay off the first mortgage or when you sell the property. Pre-foreclosure sale. This will allow you to avoid foreclosure by selling your property for an amount less than the amount necessary to pay off your mortgage loan. You may qualify if: 1. the loan is at least two months delinquent; 2. you are able to sell your house within three to five months; and 3. a new appraisal (that your lender will obtain) shows that the value of your home meets HUD program guidelines. Deed-in-lieu of foreclosure. As a last resort, you may be able to voluntarily "give back" your property to the lender. This won't save your house, but it is not as damaging to your credit rating as a foreclosure. You can qualify if: 1. you are in default and do not qualify for any other options; 2. your attempts at selling the house before foreclosure were unsuccessful; and 3. you don't have another FHA mortgage in default. Q: How Do I Know if I Qualify for Any of These Alternatives? Your lender will determine if you qualify for the alternatives. A housing counseling agency can also help assist in determining which, if any, of these options will meet your needs and also assist you in interacting with your lender. Call 1-800-569-4287 or TDD 1-800-877-8339. 46

Q: Should I Be Aware of Anything Else? Yes. Beware of scams! Solutions that sound too simple or too good to be true usually are. If you're selling your home without professional guidance, beware of buyers who try to rush you through the process. Unfortunately, there are people who may try to take advantage of your financial difficulty. Be especially alert to the following: Equity skimming. In this type of scam, a "buyer" approaches you, offering to get you out of financial trouble by promising to pay off your mortgage or give you a sum of money when the property is sold. The "buyer" may suggest that you move out quickly and deed the property to him or her. The "buyer" then collects rent for a time, does not make any mortgage payments, and allows the lender to foreclose. Remember, signing over your deed to someone else does not necessarily relieve you of your obligation on your loan. Phony counseling agencies. Some groups calling themselves "counseling agencies" may approach you and offer to perform certain services for a fee. These could well be services you could do for yourself, such as negotiating a new payment plan with your lender, or pursuing a pre-foreclosure sale. If you have any doubt about paying for such services, call a HUD-approved housing counseling agency at 1-800-569-4287 or TDD 1-800-877-8339. Do this before you pay anyone or sign anything. Q: Are There Precautions I Can Take? Following are several precautions that should help avoid being "taken" by a scam artist: 1. Do not sign any papers you do not fully understand. 2. Make sure you get all "promises" in writing. 3. Beware of any contract of sale or loan assumption where you are not formally released from liability for your mortgage debt. 4. Check with a lawyer or your mortgage company before entering into any deal involving your home. 5. If you are selling the house yourself to avoid foreclosure, check to see if there are any complaints against the prospective buyer. You can contact your state's Attorney General, the State Real Estate Commission, or the local District Attorney's Consumer Fraud Unit for this information. Q: What Are the Main Points I Should Remember? 1. Do not lose your home and damage your credit history. 2. Call or write your mortgage lender immediately and be honest about your financial situation. 3. Stay in your home to make sure you qualify for assistance. 4. Arrange an appointment with a HUD-approved housing counselor to explore your options at 1-800-569-4287 or TDD 1-800-877-8339. 5. Cooperate with the counselor or lender trying to help you. 6. Explore every alternative to keep your home. 47

7. Beware of scams. 8. Do not sign anything you do not understand. Remember that signing over the deed to someone else does not necessarily relieve you of your loan obligation. Act now. Delaying will not help. If you do nothing, YOU WILL LOSE YOUR HOME and your good credit rating. 2 Source: HUD 48

INDEPENDENT SENIOR CITIZENS HOUSING The following is a listing of independent senior citizens housing, provided by the Erie County Department of Senior Services; 95 Franklin Street Room 1304; Buffalo, NY 14202-3968; 716-858-8526; http://www.erie.gov/depts/seniorservices PROPERTY ADDRESS ZIP UNITS BUFFALO 131 Southside Apartments 131 Southside Pkwy. 14220 823-3630 6 1165 Delaware Apartments 1165 Delaware Ave. 14209 885-1542 62 1490 Estates 1500 Jefferson Ave. 14208 881-6654 59 1490 Meadows 1527-45 Jefferson Ave. 14208 885-3701 24 400 Elmwood Apartments 400 Elmwood Ave. 14222 884-8251 77 Austin Manor **** 437 Tonawanda St. 14207 884-7791 x109 24 Baptist Manor 276 Linwood Ave. 14209 881-1120 50 Brent Manor 366 Elmwood Ave. 14222 884-3800 110 Buffalo River Apartments 67 Vincennes St. 14204 855-0674 16 Christine Apartments 526 Niagara St. 14201 884-3800 32 Ellicott Housing 421 South Division St. 14204 856-3100 180 Ellicott Place **** 1033 Ellicott St. 14209 884-7791 x166 12 Elmwood Square Apartments 505 Elmwood Ave. 14222 881-6662 138 Enriched Housing 333 Linwood Ave. 14209 881-6350 19 Excelsior Apartments **** 130 Central 14206 884-7791 x326 24 Francis John Apartments 1201 Broadway 14212 893-0716 62 Friendship Manor 132 Spring St. 14204 852-6911 50 Gethsemane Manor 228 Kingsley St. 14208 885-5455 49 God City Housing Development 175 Pershing St. 14208 881-2526 100 Gratwick Manor **** 840 Tonawanda St. 14207 884-7791 x326 24 Hertel Homes, Inc. 541 Hertel Ave. 14216 873-3117 158 Hertel Park Sr. Complex 1631 Hertel Ave. 14216 836-1444 138 Ivy Rose Housing Corp. 1180 Hertel Ave. 14216 875-0400 34 Jill Joseph Tower Sr. Apartments 66 Custer St. 14214 832-9720 127 Julianna Apartments 505 Abbott Rd. 14220 825-5611 32 La Casa de Los Tainos 333 Trenton St. 14201 849-0485 50 Linwood Elderly Housing 333 Linwood Ave. 14209 883-3343 75 Marine Drive Apartments 205 Marine Dr. 14202 856-5871 616 Maryner Tower Apartments Maryland & Efner Sts. 14201 842-6515 290 McCarley Gardens Various 14203 854-1251 146 Msgr. Adamski Village Apartments 855 William St. 14206 842-0646 49 Park View Apartments 104 Lewis St. @ 14206 893-7222 32 Lyman Pilgrim Village Apartments 37 Holloway Blvd. 14209 884-0464 89 Pine Harbor Village Apartments 10 Seventh St. 14201 855-3000 208 Riverview Manor Apartments 8 Hertel Ave. 14207 873-5937 110 49

PROPERTY ADDRESS ZIP UNITS Roosevelt Apartments 921 Main St. 14203 883-1705 113 St. Clare Apartments 2787 Main St. 14214 446-1667 39 St. John Bosco Apartments 158 Chenango St. 14213 847-1635 12 St. John Towers 865 Michigan Ave. 14203 855-1505 150 St. Mark's Manor **** 120 Albemarle 14207 871-0219 32 Santa Maria Towers 255 Connecticut St. 14213 882-2661 114 Schiller Residence 169 Schiller St. 14206 894-1814 6 School House Commons 1005 Grant St. 14207 447-1334 64 Seneca-Cazenovia Sq. 2171 Seneca St. 14210 823-8560 47 Shoreline Apartments 200 Niagara St. 14201 852-2027 614 Stadnitski Apartments 100 Beck St. 14212 897-3204 100 Timon Towers Apartments 1015 Delaware Ave. 14209 882-2123 124 Touraine Apartments 274 Delaware Ave. 14202 847-0169 104 Town Garden Apartments 440 Clinton St. 14204 856-8870 360 Trinity Tower of Buffalo 33 Linwood Ave. 14209 882-4348 88 Walden Park Sr. Apt. Complex 101 Bakos Blvd. 14211 892-9070 126 Watergate II 10 & 12 Hertel Ave. 14207 874-1922 103 Whitney Neighborhood Various 14201 854-1251 135 Wingate Management Various 881-2233 180 BMHA-BUFFALO MUNICIPAL HOUSING AUTHORITY - To Apply to All BMHA Buildings, call 855-6774. Alfred D. Price Courts 95 Willert Park Ct. 14204 853-2726 472 Camden Apartments 229 Camden Ave. 14216 None 24 Commodore Perry Homes 386 Perry St. 14204 852-0258 1200 Elmhurst Apartments 828 Amherst St. 14216 None 24 Ferry-Grider Homes 967 E. Ferry St. 14211 894-7418 210 Frank A. Sedita Apartments 355 Summer St. 14222 881-1785 101 Frederick Douglass Towers 515 Clinton St. 14204 853-8378 300 Holling Homes 1 Holling Dr. 14216 876-3553 132 Jasper Parrish Apartments 6 Jasper Parrish Dr. 14207 873-6362 212 Kelly Gardens 110 Cornwall St. 14215 None 44 Kenfield/Langfield Homes 39 Tower St. 14215 833-3300 1240 Kowal Apartments 307 Sobieski Dr. 14211 None 24 Lakeview Homes 1 Pennsylvania St. 14201 852-1467 668 Lasalle Courts 110 Blum St. 14216 873-1214 206 Lyndon B. Johnson Apartments 167 Humboldt Pkwy. 14214 886-2525 206 Msgr. Geary Apartments 1250 Bailey Ave. 14206 895-1775 100 Mullen Manor 200 Mineral Springs 14210 None 40 Rd. Schwab Terrace 1096 Fillmore Ave. 14211 None 35 Shaffer Village 90 Isabelle St. 14207 876-1506 233 Slater Court 1687 Seneca St. 14210 None 24 Stuyvesant Apartments 245 Elmwood Ave. 14222 883-0040 155 50

Outside the City of Buffalo PROPERTY ADDRESS ZIP UNITS AKRON/NEWSTEAD The Cloisters 10-12 Westgate Ave. 14001 542-3030 80 Leisure Timers 364 Bloomingdale Rd. 14001 542-5984 22 The Meadows 31 Westgate Ave. 14001 542-3030 32 ALDEN Alden Square 1450 Rusher Dr. 14004 854-1251 30 AMHERST Allenhurst Apartments 42A Oxford Ave. 14226 838-5850 316 Brewster Mews 925 Robin Rd. 14228 689-7600 215 Jackson Square Apartments 2199 N. French Rd. 14068 834-0371 160 Pepper Tree Heights Apartments 285 Pepper Tree Dr. 14228 691-9663 100 Princeton Court Apartments 165 Princeton Ave. 14226 835-1914 304 Shaarey Zedek Apartments 410 Hartford Rd. 14226 847-1635 59 Sutton Place Apartments 113 Travers Blvd. 14228 691-5525 142 BLASDELL Cambridge Square 3180 Cambridge Sq. S. 14219 826-1177 150 Good Counsel Apartments 4288 Lake Ave. 14219 825-3711 39 Lilly Housing Corp. 36 Arthur Ave. 14219 821-1230 49 BOSTON Boston Square 7355 Boston State Rd. 14075 854-1251 20 CHEEKTOWAGA Bell Tower Senior Apartments 42 Haley Lane 14227 656-7262 112 Cayuga Village 100 Hutchens Dr. 14227 668-3109 80 Cedargrove Harlem & Walden 14225 854-1251 36 Convent Apartments 520 Maryvale Dr. 14225 847-1635 8 Liberty Park Sr. Apartments 10 Manko Lane 14227 892-0243 104 Maryvale East Sr. Citizen Complex 100 & 120 Moorman 14225 681-5061 185 Dr. Southwind Landing 5074 Transit Rd. 14043 884-7791 100 Woodland Place 4791 William St. 14043 668-9534 86 CLARENCE Brothers of Mercy Apartments 10500 Bergtold Rd. 14031 759-2122 100 The Claremount 10338 Main St. 14031 759-8325 75 EAST AURORA Maple Terrace I Apartments 206 Maple Rd. 14052 655-4117 32 51

Maple Terrace II Apartments 208 Maple Rd. 14052 655-4117 24 PROPERTY ADDRESS ZIP UNITS Trinity Park Apartments 100 Trinity Park Lane 14052 652-9706 33 EDEN Welch Village Welch Lane 14057 854-1251 48 EVANS Friendly Senior Housing 8445 N. Main St. 14006 800-848-8569 24 Steepleview Apartments 1045 Sturgeon Point Rd. 14047 947-4256 55 GOWANDA Gowanda Meadows 164 Buffalo St. 14070 854-1251 30 GRAND ISLAND Island View Apartments 2136 Baseline Rd. 14072 884-7791 x117 50 Marigold Housing Corp. 3026 Grand Island Blvd. 14072 634-8152 x142 38 HAMBURG Bethel Estates S-4647 Southwestern 14075 648-6444 261 Blvd. Creekbend Heights Apartments 25 Buffalo St. 14075 648-5200 129 Iris Housing Corp. 4150 Sowles Rd. 14075 648-3255 49 HOLLAND Holland Meadows 37 Meadow Lane 14080 854-1251 24 KENMORE Kenmore Village Apartments 657 Colvin Blvd. 14217 874-6000 100 Ken-Ton Presbyterian Village 3735 Delaware Ave. 14217 874-6070 150 Theater Apartments 1065 Kenmore Ave. 14217 874-6000 100 Westchester Park Apartments 55 Ralston Ave. 14217 875-5521 200 LACKAWANNA Baker Homes 216 Steelawanna Ave. 14218 823-2551 271 Gates Homes 52 Gates Ave. 14218 823-2551 132 Parkview Tower 600 Ridge Rd. 14218 823-5350 94 Victoria Square Apartments 727 Ridge Rd. 14218 822-4367 35 LANCASTER Colonial Meadows 6010 Broadway 14086 884-7791 x325 24 Lancaster Towers 1 W. Pleasant Ave. 14086 683-4300 121 Townview Apartments 50 Grambo Dr. 14086 884-7791 x325 50 52

PROPERTY ADDRESS ZIP UNITS NORTH COLLINS Musacchio Garden Apartments 10325 Main St. 14111 337-0431 20 NORTH TONAWANDA Carousel Park Apartments 100 Oliver St. 14120 693-5536 162 Bishop Gibbons Apartments 1110 Payne Ave. 14120 694-2558 120 Gibbons Common Gibbons Ct. & 19th 14120 694-2558 12 Ave. Scarfone Apartments 33 Spruce St. 14120 693-0400 50 ORCHARD PARK Angle Park Senior Apartments 2766 Angle Rd. 14127 675-2777 72 SPRINGVILLE 508 East Main St. Apartments 508 East Main St. 14141 884-7791 x166 15 Community Village 10-50 Colonial Dr. 14141 826-0354 40 Enriched Housing 109 N. Buffalo St. 14141 881-6350 6 Springbrook Apartments 109 N. Buffalo St. 14141 592-3134 62 TONAWANDA Jacob J. Guzzetta Apartments 200 Gibson St. 14150 692-3555 50 Kibler Senior Housing 284 Main St. 14150 883-3547 74 St. Timothy's Park Villa 625 East Park Dr. 14150 447-8876 49 Tonawanda Towers 5 Main St. 14150 692-6333 100 WEST SENECA Seneca Pointe 1187 Orchard Park Rd. 14224 677-4141 112 United Church Manor 50 North Ave. 14224 668-5804 49 Seneca Woods 745 Indian Church Rd. 14224 884-7791 x109 50 WILLIAMSVILLE Jewish Federation Housing 275 Essjay Rd. 14221 631-8471 150 Village Square Apartments 5403 Main St. 14221 631-8720 99 **** Must be physically disabled or challenged 53

HOMELESS SHELTERS The following list identifies housing opportunities for homeless individuals and families in transition. Alcohol and Drug Dependency Services (ADDS) Crisis Center 291 Elm Street Buffalo, NY 14203 (716) 854-2977 Buffalo City Mission - Men's Shelter 100 East Tupper Street Buffalo, NY 14203 (716) 854-8181 Buffalo City Mission - Cornerstone Manor 45 Carlton Street Buffalo, NY 14203 (716) 852-0761 Community Action Organization 70 Harvard Place Buffalo, NY 14218 (716) 881-5150 Community Services for Developmentally Disabled 452 Delaware Avenue Buffalo, NY 14202 (716) 877-1111 Compass House 370 Linwood Avenue Buffalo, NY 14209 (716) 886-1351 (716) 886-0935 Alcohol and Drug Dependency Services is home to eight different programs related to chemical dependency treatment regardless of means. The Crisis Center is available 24 hours a day and 7 days a week for chronic substance abusers who are homeless or at the risk for homelessness. Buffalo City Mission's Men's Shelter is a Christianbased emergency shelter offering emergency shelter for up to 156 males (over 18 years of age). The Mission acts as a safety net to ensure that no one is left on the street. Individuals receive three meals a day, clothing, and referrals in a safe location. Medical attention and a long-term treatment program are also available on site. Buffalo City Mission's Cornerstone Manor is a faith-based emergency shelter offering housing for up to 60 women and children. Families receive three meals a day, clothing, and assistance/referrals. Medical attention is also available as well as a school program for children and parenting classes. It is also a safe house for individuals experiencing family violence. Four beds are marked for a residential treatment program. Community Action Organization provides emergency housing for the homeless. The emergency shelter is located in Lackawanna and has five rooms. The shelter can accommodate unaccompanied males and females as well as females with one child. Community Services for the Developmentally Disabled's mission is to provide or obtain services for people who are developmentally disabled and their families. The program helps individuals to achieve their highest level of independent living. A not-for-profit safe shelter and services for runaway and homeless youth (aged 12-17 years), in an atmosphere that supports the dignity, respect, and self-sufficiency of each youth. 54

Franciscan Center 1910 Seneca Street Buffalo, NY 14210 (716) 822-8017 Haven House PO Box 451 Ellicott Station Buffalo, NY 14205 (716) 884-6000 Interfaith Hospitality Network 27 Jewett Parkway Buffalo, NY 14214 (716) 836-9100 Little Portion Friary 1305 Main Street Buffalo, NY 14209 (716) 882-5705 The Salvation Army Family Shelter 960 Main Street Buffalo, NY 14202 (716) 884-4798 St. Luke's Mission of Mercy 325 Walden Avenue Buffalo, NY 14211 (716) 894-4476 Transitional Services, Inc. 336 Forest Avenue Buffalo, NY 14213 (716) 874-8190 The Franciscan Center is a dual runaway and homeless youth shelter offering short-term emergency shelter (6 beds) and a long-term transitional independent living program (8 beds). The Franciscan Center provides a homelike setting and intensive case management, using a tough love approach. Haven House provides shelter for married and unmarried women over 18 (or women age 16 with children) coming from a situation of abuse and children who are abused physically or sexually accompanied by non-abusing adult. Women who are still being abused by an ex-spouse or partner can also seek shelter. There are a total of 36 spaces available: 11 rooms usually 3 beds to a room. The Network provides a way for homeless families to receive temporary shelter, meals, and assistance while seeking their own independence. Also, provides support after the family moves home. Volunteer-based ministry committed to providing shelter and three meals a day to 26 homeless individuals (18 men/8 women). Referrals are made by police, mental health agencies, substance abuse treatment/rehabilitation centers, and hospitals. Shelter is aimed at trying to prevent the reoccurrence of homelessness by focusing on issues related to homelessness. Provides shelter, bed, food, and referrals to locate service providers to families and single females. Catholic Christian Community gathered together to live the gospel of mercy through works of mercy. Not-for-profit mission that provides shelter to those in need. The Emergency Housing Service provides temporary housing for homeless psychiatric disabled persons.. Priority is given to individuals who have the potential to live independently. Individuals must be 18 years or older and have a psychiatric diagnosis. Length of stay must not exceed 28 days. 55

Affordable Housing Opportunities Erie County Number of Units Twin Court Knapp Road Akron NY 14001 542-3185 8 subsidized units with rent based on income 2 - BR 3 - BR 4 - BR 14 Cloister Associates I Westgate Avenue Akron NY 14001 542-3030 37 subsidized units with rent based on income 48 Cloister Associates II Westgate Avenue Akron NY 14001 542-3030 26 subsidized units with rent based on income 24 2 - BR 3 - BR 4 - BR 8 The Meadows 31 Westgate Ave. Akron NY 14001 542-3030 14 subsidized units with rent based on income 28 2 - BR 3 - BR 4 - BR 4 Leisure Times 364 Bloomingdale Rd. Akron NY 14001 542-5984 All units subsidized; rent based on income 18 2 - BR 3 - BR 4 - BR 4 Alden Square 1450 Rusher Dr. Alden NY 14004 937-6710 4 subsidized units with rent based on income 10 2 - BR 3 - BR 4 - BR 20 Hopkins Court Apartments 2250 North French Rd Amherst NY 14068 636-9598 No subsidies; seniors 55 and over; Section 8 accepted 71 2 - BR 3 - BR 4 - BR 34 Princeton Court Apts. 165 Princeton Ave. Amherst NY 14226 835-1914 304 total units; 144 subsidized with rent based on income 48 108 2 - BR 3 - BR 4 - BR 148 Allenhurst Apartments 42A Oxford Ave Amherst NY 14226 853-1548 All units subsidized; rent based on income 2 - BR 3 - BR 4 - BR 315 Jackson Square 2199 North French Rd. Amherst NY 14228 834-0371 All units subsidized; rent based on income 39 2 - BR 60 3 - BR 50 4 - BR 11 Many of these apartment complexes offer subsidized rents; tenants pay a percentage of their income to rent or rents might be somewhat lower than area rents. For information on availability, eligibility and rents, please contact manager at the phone number listed. Every attempt has been made to provide accurate information; please let us know if you discover any errors. List compiled by Belmont Shelter Corp. 56 Page #1 Rev. Tuesday, December 11, 2001

Affordable Housing Opportunities Erie County Number of Units Parkside Houses 827D Robin Rd Amherst NY 14228 688-4200 No subsidies available; call for rents 44 2 - BR 78 3 - BR 48 4 - BR 10 Sutton Place Apartments 113 Travers Boulevard Amherst NY 14228 691-5525 246 total units; call for rents Yes 2 - BR Yes 3 - BR 4 - BR Yes Brewster Mews Apartments 925 Robin Road Amherst NY 14228 689-7600 Senior housing; all units subsidized; rent based on income 199 2 - BR 3 - BR 4 - BR 17 Pepper Tree Heights 285 Pepper Tree Drive Amherst NY 14228 691-9663 All units subsidized; rent based on income 100 Friendly Senior Housing 8541 N. Main Street Angola NY 14006 800-8488569 All units subsidized; rent based on income 20 2 - BR 3 - BR 4 - BR 4 Good Counsel Apartments 4288 Lake Ave. Blasdell NY 14219 825-3711 All units subsidized; rent based on income; 4 accessible 10 39 Cambridge Square 3180 Cambridge Square Blasdell NY 14219 826-1177 150 units with rent based on income Yes 2 - BR Yes 3 - BR 4 - BR Yes Lilly Housing 36 Arthur Drive Blasdell NY 14219 821-1230 Rent based on income; 3 accessible units 49 Maryner Towers Maryland and Efner Sts. Buffalo NY 14201 842-6505 All units subsidized; rent based on income 84 2 - BR 113 3 - BR 4 - BR 75 Pine Harbor 10 Seventh Street Buffalo NY 14201 855-3000 No subsidies available; call for rents 85 2 - BR 43 3 - BR 40 4 - BR 40 Many of these apartment complexes offer subsidized rents; tenants pay a percentage of their income to rent or rents might be somewhat lower than area rents. For information on availability, eligibility and rents, please contact manager at the phone number listed. Every attempt has been made to provide accurate information; please let us know if you discover any errors. List compiled by Belmont Shelter Corp. 57 Page #2 Rev. Tuesday, December 11, 2001

Affordable Housing Opportunities Erie County Number of Units Shoreline 200 Niagara Street Buffalo NY 14201 852-2027 142 total units; 28 subsidized with rent based on income Yes 2 - BR Yes 3 - BR 4 - BR Yes Christine Apartments 526 Niagara Street Buffalo NY 14201 884-3800 Resident pays the greater of basic rent or 30% of income 8 2 - BR 3 - BR 4 - BR 24 Whitney Neighborhood 190 Carolina Street Buffalo NY 14201 847-6362 All units subsidized; rent based on income 12 35 2 - BR 59 3 - BR 25 4 - BR 3 Waterfront (Shoreline II) 200 Niagara Street Buffalo NY 14201 852-2027 472 total units; 188 subsidized with rent based on income Yes Yes 2 - BR Yes 3 - BR 4 - BR Yes Touraine Apartments 274 Delaware Ave. Buffalo NY 14202 847-0169 All units subsidized; rent based on income 17 78 2 - BR 3 - BR 4 - BR 9 Roosevelt Apartments 921 Main Street Buffalo NY 14203 883-1705 All units subsidized; rent based on income 114 McCarley Gardens 818 Michigan Avenue Buffalo NY 14203 845-6120 All units subsidized; rent based on income 2 - BR 27 3 - BR 94 4 - BR 28 Ellicott Com.Redvlpt.Foundation Inc 10 Durham Ct. Buffalo NY 14204 856-5200 150 subsidized units with rent based on income 33 2 - BR 102 3 - BR 4 - BR 82 Ellicott Houses 421 S.Division St. Buffalo NY 14204 856-3100 56 subsidized units with rent based on income 2 - BR 72 3 - BR 72 4 - BR 36 Towne Gardens (Phase II) 440 Clinton Street Buffalo NY 14204 856-8870 360 total units; 302 subsidized with rent based on income Yes 2 - BR Yes 3 - BR 4 - BR Yes Many of these apartment complexes offer subsidized rents; tenants pay a percentage of their income to rent or rents might be somewhat lower than area rents. For information on availability, eligibility and rents, please contact manager at the phone number listed. Every attempt has been made to provide accurate information; please let us know if you discover any errors. List compiled by Belmont Shelter Corp. 58 Page #3 Rev. Tuesday, December 11, 2001

Affordable Housing Opportunities Erie County Number of Units Friendship Manor 132-154 Spring Street Buffalo NY 14204 852-6911 All units subsidized; rent based on income; some accessible Saint John Tower 865 Michigan Avenue Buffalo NY 14204 855-1505 All units subsidized; rent based on income Msgr.Adamski Village Apts. 855 William St. Buffalo NY 14204 842-0646 Rent based on income; 5 accessible Buffalo River Apartments 67 Vincennes Buffalo NY 14204 847-1635 Rent $295, includes heat,hot water 12 50 150 37 16 Excelsior Apartments 130 Central Avenue Buffalo NY 14206 891-5915 Rent based on income;adult member with physical disability 20 2 - BR 3 - BR 4 - BR 3 Saint Mark's Manor 120 Albemarle Street Buffalo NY 14207 884-3800 All units subsidized and accessible; rent based on income Riverview Manor Apartments 8 Hertel Avenue Buffalo NY 14207 873-5937 All units subsidized; rent based on income 32 110 Gratwick Manor 840 Tonawanda Street Buffalo NY 14207 875-9763 No subsidies;persons with phys. disability;will accept Sect 8 20 2 - BR 3 - BR 4 - BR 4 The Schoolhouse Commons 1005 Grant Street Buffalo NY 14207 447-1334 Rent based on income; seniors 62 years and older 64 Austin Manor Tonawanda & Austin Buffalo NY 14207 874-1572 No subsidies;persons with phys disability;will accept Sect 8 20 2 - BR 3 - BR 4 - BR 2 Many of these apartment complexes offer subsidized rents; tenants pay a percentage of their income to rent or rents might be somewhat lower than area rents. For information on availability, eligibility and rents, please contact manager at the phone number listed. Every attempt has been made to provide accurate information; please let us know if you discover any errors. List compiled by Belmont Shelter Corp. 59 Page #4 Rev. Tuesday, December 11, 2001

Affordable Housing Opportunities Erie County Number of Units God City Senior Housing 175 Pershing St. Buffalo NY 14208 881-2526 All units subsidized; rent based on income; 10 accessible Gethsemane Manor 227 Kingsley Street Buffalo NY 14208 885-5455 Rent based on income 100 50 1490 Meadows 1527-1545 Jefferson Str Buffalo NY 14208 885-3701 All units subsidized; rent based on income 22 2 - BR 3 - BR 4 - BR 2 Pilgrim Village 37 Holloway Boulevard Buffalo NY 14209 884-0464 88 units subsidized; rent based on income 2 - BR 60 3 - BR 4 - BR 30 Veterans Housing Coalition 17 West Utica Buffalo NY 14209 882-5935 Rent based on income; seniors / phys.disabled 20 2 - BR 3 - BR 4 - BR 4 Veterans Hsg (Stratford Arms) 25 West Utica Buffalo NY 14209 882-5935 No subsidies; call for rents 4 33 2 - BR 3 - BR 4 - BR 4 Veterans Housing (Engine 16) 1416 Main Street Buffalo NY 14209 882-5935 Rent based on income; for severely phys.hdcp. 7 2 - BR 3 - BR 4 - BR 2 Veterans Housing Coalition 1125 Main Street Buffalo NY 14209 882-5935 Some subsidies with rent based on income or basic rent Baptist Manor 276 Linwood Avenue Buffalo NY 14209 881-1120 50 subsidized units with rent based on income Elmwood Square 505 Elmwood Ave Buffalo NY 14209 881-6662 10 subsidized units: age 55 and over or disabled/handicapped 10 32 8 127 106 Many of these apartment complexes offer subsidized rents; tenants pay a percentage of their income to rent or rents might be somewhat lower than area rents. For information on availability, eligibility and rents, please contact manager at the phone number listed. Every attempt has been made to provide accurate information; please let us know if you discover any errors. List compiled by Belmont Shelter Corp. 60 Page #5 Rev. Tuesday, December 11, 2001

Affordable Housing Opportunities Erie County Number of Units Timon Towers 1015 Delaware Avenue Buffalo NY 14209 882-2123 Rent based on income; 62 & older / mobility impaired 124 Trinity Tower Senior Apts 33 Linwood Avenue Buffalo NY 14209 882-4348 Call for rents 31 54 2 - BR 3 - BR 4 - BR 3 Emerson Row Houses 38 Emerson Buffalo NY 14209 882-8177 No subsidies; rent is $300+util.(Jan '99) 28 Ellicott Place 1033 Ellicott Street Buffalo NY 14209 881-4904 Rent based on income; adult member with physical disability 8 2 - BR 3 - BR 4 - BR 4 Linwood Elderly Housing 333 Linwood Avenue Buffalo NY 14209 883-3343 75 total units; rent based on income Yes 2 - BR 3 - BR 4 - BR Yes St.Patrick Village S.Division & Emslie Buffalo NY 14210 856-4494 Pay greater of 30% of income or basic rent; townhouses 3 2 - BR 3 3 - BR 4 - BR 4 St Ann's Apartments 371 Watson Street Buffalo NY 14211 856-4494 Resident pays greater of 30% of income or basic rent Stadnitski Gardens 100 Beck Street Buffalo NY 14212 897-3204 All units subsidized; rent based on income Francis John Apts 1201 Broadway Buffalo NY 14212 893-0716 Rents start at $244 including heat and water 19 100 62 Wingate Management 491 Connecticut Street Buffalo NY 14213 881-2233 All units subsidized; rent based on income 74 2 - BR 63 3 - BR 29 4 - BR 22 Many of these apartment complexes offer subsidized rents; tenants pay a percentage of their income to rent or rents might be somewhat lower than area rents. For information on availability, eligibility and rents, please contact manager at the phone number listed. Every attempt has been made to provide accurate information; please let us know if you discover any errors. List compiled by Belmont Shelter Corp. 61 Page #6 Rev. Tuesday, December 11, 2001

Affordable Housing Opportunities Erie County Number of Units Santa Maria Towers 255 Connecticut Street Buffalo NY 14213 882-2661 Rent based on income; HUD 202 senior project 28 86 La Casa de Los Tainos 333 Trenton Street Buffalo NY 14213 856-4494 All units subsidized; rent based on income 0 49 2 - BR 0 3 - BR 0 4 - BR 0 St John Bosco Apts 158 Chenango Street Buffalo NY 14213 847-1635 Rent based on income 11 2 - BR 3 - BR 4 - BR 1 146 Jewett Ave. 146 Jewett Ave. Buffalo NY 14214 838-6740 No subsidies; rent $220-$290+util.(Jan 2000) 8 Jill Joseph Tower 66 Custer St. Buffalo NY 14214 832-9720 All utilities included; units accessible or adaptable 122 2 - BR 3 - BR 4 - BR 5 St. Clare Apts 2787 Main St Buffalo NY 14214 446-1667 Rent based on income 39 Manhattan Square Apartments 200 Manhattan Avenue Buffalo NY 14215 833-1264 No subsidies; $525/mo incl.util.(june 2000) 2 - BR 3 - BR 4 - BR 72 Hertel Park Apartments 1631 Hertel Avenue Buffalo NY 14216 836-1444 No subsidies; call for rents, must be at least 60 yrs of age 126 2 - BR 3 - BR 4 - BR 12 Ivy Rose Housing 1180 Hertel Ave Buffalo NY 14216 634-8132 Rent based on income;some accessible units Julianna Apartments 510 Abbott Rd. Buffalo NY 14220 825-5611 Rent based on income; some accessible units 10 35 22 Many of these apartment complexes offer subsidized rents; tenants pay a percentage of their income to rent or rents might be somewhat lower than area rents. For information on availability, eligibility and rents, please contact manager at the phone number listed. Every attempt has been made to provide accurate information; please let us know if you discover any errors. List compiled by Belmont Shelter Corp. 62 Page #7 Rev. Tuesday, December 11, 2001

Affordable Housing Opportunities Erie County Number of Units Seneca-Cazenovia Community Sq. 2171 Seneca St Buffalo NY 14220 823-8560 Rent based on income;some accessible 49 Bflo Municipal Hsg (BMHA) 245 Elmwood Avenue Buffalo NY 14222 855-6774 All units subsidized; rent based on income Yes Yes 2 - BR Yes 3 - BR Yes 4 - BR Yes Braco I 354 Franklin St. Buffalo NY 14222 852-3303 220 total units; scattered sites; rent based on income Yes Yes 2 - BR Yes 3 - BR Yes 4 - BR Yes Brent Manor Inc. 366 Elmwood Avenue Buffalo NY 14222 884-3800 No subsidies; rents $325-$415 incl.util.(jan 2000) 105 5 Walden Park Senior Complex 101 Bakos Drive Buffalo NY 14225 892-9070 No subsidies; call for rents, must be at least 55 yrs of age 114 2 - BR 3 - BR 4 - BR 12 Convent Apartments 200 Old Maryvale Drive Cheektowaga NY 14225 856-4494 Resident pays greater of 30% of income or basic rent Maryvale East 100-120 Moorman Drive Cheektowaga NY 14225 681-5061 No subsidies; call for rents, must be at least 60 yrs of age 100 8 100 Cedargrove Heights scattered sites Cheektowaga NY 14225 854-1251 Scattered sites; call mgmt agent for information Yes 2 - BR Yes 3 - BR Yes 4 - BR Yes Cayuga Village 100 Hutchens Drive Cheektowaga NY 14227 668-3109 All units subsidized; rent based on income 80 Liberty Park Apartments 2941 William Street Cheektowaga NY 14227 892-0243 No subsidies; call for rents; will accept Section 8 2 - BR 3 - BR 4 - BR 104 Many of these apartment complexes offer subsidized rents; tenants pay a percentage of their income to rent or rents might be somewhat lower than area rents. For information on availability, eligibility and rents, please contact manager at the phone number listed. Every attempt has been made to provide accurate information; please let us know if you discover any errors. List compiled by Belmont Shelter Corp. 63 Page #8 Rev. Tuesday, December 11, 2001

Affordable Housing Opportunities Erie County Number of Units Brothers of Mercy 10500 Bergtold Road Clarence NY 14031 759-2122 No subsidies; greater of basic rent or 30% of income; util.incl. 50 50 The Claremount 10338 Main Street Clarence NY 14031 759-8325 75 units with rent based on income; 8 accessible 71 2 - BR 3 - BR 4 - BR 4 Steeple View Housing 1045 Sturgeon Point Roa Derby NY 14047 947-4256 Rent based on income 34 2 - BR 3 - BR 4 - BR 2 Maple Terrace 206 Maple Road East Aurora NY 14052 655-4117 All units subsidized; rent based on income; 4 accessible 32 Trinity Park Apts. 100 Trinity Park Lane East Aurora NY 14052 652-9706 Rents start at $305 including heat and water 32 2 - BR 3 - BR 4 - BR 1 Welch Village 2854 Welch Lane Eden NY 14057 992-2005 All units subsidized; rent based on income; 6 accessible 48 Gowanda Meadows 164 Buffalo Street Gowanda NY 14070 532-5745 24 subsidized units with rent based on income; 4 accessible 24 2 - BR 3 - BR 4 - BR 12 Islandview Apartments 2136 Baseline Road Grand Island NY 14072 773-2416 All units subsidized; rent based on income; 5 accessible Iris Housing Corporation 4150 Sowles Rd. Hamburg NY 14075 648-3255 Rent based on income; seniors Boston Square 7355 Boston State Road Hamburg NY 14075 648-3746 21 subsidized units with rent based on income; 2 accessible 13 37 49 24 Many of these apartment complexes offer subsidized rents; tenants pay a percentage of their income to rent or rents might be somewhat lower than area rents. For information on availability, eligibility and rents, please contact manager at the phone number listed. Every attempt has been made to provide accurate information; please let us know if you discover any errors. List compiled by Belmont Shelter Corp. 64 Page #9 Rev. Tuesday, December 11, 2001

Affordable Housing Opportunities Erie County Number of Units Bethel Estates 4647 Southwestern Blvd Hamburg NY 14075 648-6444 All units subsidized; rent based on income 245 2 - BR 3 - BR 4 - BR 16 Creek Bend Heights 25 Buffalo Street Hamburg NY 14075 648-5200 No subsidies; income must be sufficient to pay basic rent 130 Claire Court Apartments 5570 South Park Avenue Hamburg NY 14075 648-9203 Rents include heat, hot water No 8 2 - BR Yes 3 - BR Yes 4 - BR No Holland Meadows 37 Meadow Drive Holland NY 14080 537-2998 All units subsidized; rent based on income; 2 accessible Kenmore Housing Authority 657 Colvin Blvd. Kenmore NY 14217 874-6000 Kenmore Village Apts & Theater Apts; rent based on income 24 200 Westchester Park Apartments 55 Ralson Avenue Kenmore NY 14217 875-5521 Rent based on income 9 183 2 - BR 3 - BR 4 - BR 8 Ken-Ton Presbyterian Village 3735 Delaware Avenue Kenmore NY 14217 874-6070 All units subsidized; rent based on income 144 2 - BR 3 - BR 4 - BR 6 Lackawanna Housing Authority 135 Odell Lackawanna NY 14218 823-2551 Rent based on income 176 2 - BR 173 3 - BR 100 4 - BR 42 Colonial Meadows 6102 Broadway Lancaster NY 14086 683-3244 Rent based on income;seniors and persons with disability Lancaster Towers 1 Pleasant Avenue Lancaster NY 14086 683-4300 All units subsidized; rent based on income 24 155 Many of these apartment complexes offer subsidized rents; tenants pay a percentage of their income to rent or rents might be somewhat lower than area rents. For information on availability, eligibility and rents, please contact manager at the phone number listed. Every attempt has been made to provide accurate information; please let us know if you discover any errors. List compiled by Belmont Shelter Corp. 65 Page #10 Rev. Tuesday, December 11, 2001

Affordable Housing Opportunities Erie County Number of Units Townview Apartments 50 Grambo Drive Lancaster NY 14086 684-3509 Rent based on income;seniors 62 years and older 50 Woodland Place 4791 William St Lancaster NY 14086 884-7791 No subsidies;seniors 55 and over; Section 8 accepted 70 2 - BR 3 - BR 4 - BR 16 Musacchio Garden Apts 10325 Main Street North Collins NY 14111 337-0431 All units subsidized; rent based on income 24 Angle Road Apartments 2766 Angle Road Orchard Park NY 14127 675-2777 No subsidies; must be at least 60 yrs of age 36 2 - BR 3 - BR 4 - BR 36 508 East Main St. Apts. 508 E. Main Street Springville NY 14141 854-1251 11 units / rent based on income;seniors,persons with disability Community Village Apartments 10-50 Colonial Drive Springville NY 14141 854-1251 Rent based on income; 4 accessible units 15 40 Springbrook Apartments 109 North Buffalo Street Springville NY 14141 592-3134 All units subsidized; rent based on income 50 2 - BR 4 3 - BR 4 - BR 8 Tonawanda Housing Authority 200 Gibson Street Tonawanda NY 14150 692-3555 264 total units; all rents based on income; incl.guzzetta Apts. Yes Yes 2 - BR Yes 3 - BR Yes 4 - BR Yes St.Timothy Park Villa 625 East Park Tonawanda NY 14150 856-4494 Rent based on income Tonawanda Towers 5 Main Street Tonawanda NY 14150 692-6333 All units subsidized; rent based on income 49 100 Many of these apartment complexes offer subsidized rents; tenants pay a percentage of their income to rent or rents might be somewhat lower than area rents. For information on availability, eligibility and rents, please contact manager at the phone number listed. Every attempt has been made to provide accurate information; please let us know if you discover any errors. List compiled by Belmont Shelter Corp. 66 Page #11 Rev. Tuesday, December 11, 2001

Affordable Housing Opportunities Erie County Number of Units Kibler Senior Housing 284 Main Street Tonawanda NY 14150 883-3547 Must be at least 55 years or older 55 2 - BR 3 - BR 4 - BR 19 United Church Manor 50 North Avenue West Seneca NY 14224 668-5804 All units subsidized; rent based on income Seneca Woods 745 Indian Church Road West Seneca NY 14224 884-7791 Open summer 2002;rent based on income;seniors 62 and over Village Square 5403 Main Street Williamsville NY 14221 631-8720 No subsidies available 12 37 50 100 Jewish Federation 275 Essjay Road Williamsville NY 14221 631-8471 150 total units; rent based on income Yes 2 - BR 3 - BR 4 - BR Yes Many of these apartment complexes offer subsidized rents; tenants pay a percentage of their income to rent or rents might be somewhat lower than area rents. For information on availability, eligibility and rents, please contact manager at the phone number listed. Every attempt has been made to provide accurate information; please let us know if you discover any errors. List compiled by Belmont Shelter Corp. 67 Page #12 Rev. Tuesday, December 11, 2001

Affordable Housing Opportunities Niagara County Number of Units Barker Commons 1888 Quaker Road Barker NY 14012 795-3912 20 subsidized units with rent based on income 24 Lewiston Country Estates 916 Upper Mountain Rd. Lewiston NY 14092 298-4966 Rent based on income 24 2 - BR 3 - BR 4 - BR 1 Woods at Blairville 830 Oriole Lane Lewiston NY 14092 754-7866 NYS Tax Credit; Section 8 accepted 0 40 2 - BR 80 3 - BR 0 4 - BR 0 Lewiston Villa 930 Upper Mountain Roa Lewiston NY 14092 298-4966 Subsidized housing for seniors:rent based on income Yes 2 - BR No 3 - BR No 4 - BR No Apple Blossom Acres Ruhlmann Rd. Lockport NY 14094 433-3310 Rent based on income 35 2 - BR 64 3 - BR 4 - BR 64 Autumn Gardens (Phase II) East High St. Lockport NY 14094 433-5810 All units subsidized; rent based on income 96 South Town Park Apartments Sweetwood Drive Lockport NY 14094 434-3057 Rent based on income 2 - BR 50 3 - BR 27 4 - BR 15 Urban Park Towers 77 Main Street Lockport NY 14094 433-8911 All units subsidized; rent based on income; 150 Walden Park Strauss Road Lockport NY 14094 542-3030 Rent based on income 50 2 - BR 3 - BR 4 - BR 10 Lockport Housing Authority 301 Michigan St., P.O.Bo Lockport NY 14095 434-0001 Public housing; rent based on income 243 2 - BR 44 3 - BR 46 4 - BR 20 Many of these apartment complexes offer subsidized rents; tenants pay a percentage of their income to rent or rents might be somewhat lower than area rents. For information on availability, eligibility and rents, please contact manager at the phone number listed. Every attempt has been made to provide accurate information; please let us know if you discover any errors. List compiled by Belmont Shelter Corp. 68 Page #1 Rev. Tuesday, December 11, 2001

Affordable Housing Opportunities Niagara County Number of Units Middleport Villa & Country Estate 89 Telegraph Rd. Middleport NY 14105 298-4966 45 units subsidized with rent based on income; 48 2 - BR 3 - BR 4 - BR 1 Niagara Village 6935 Village Dr N Tonawanda NY 14120 884-7791 Rent based on income; adult member with physical disability 16 2 - BR 6 3 - BR 4 - BR 2 Bishop Gibbon Apartments 1110 Payne Avenue N. Tonawanda NY 14120 694-2558 All units subsidized; rent based on income Carousel Park 100 Oliver Street N. Tonawanda NY 14120 693-5536 No subsidies; call for rents 33 120 129 North Tonawanda Housing Auth. 33 Spruce Street N. Tonawanda NY 14120 693-0400 Public housing; rent based on income 26 40 2 - BR 144 3 - BR 4 - BR 40 Hamlet Square Edwards Avenue Newfane NY 14108 778-9351 All units subsidized; rent based on income; 2 accessible 24 Meadowbrooke Prospect Street Newfane NY 14180 542-3030 14 subsidized units with rent based on income 2 - BR 20 3 - BR 4 - BR 2 Niagara Towers 901 Cedar Ave. Niagara Falls NY 14301 284-4488 All units subsidized; rent based on income Wheatfield Towers 6849 Plaza Drive Niagara Falls NY 14304 731-4600 Rent based on income; Sawyer Gardens 2132 Sawyer Drive Niagara Falls NY 14304 298-3529 Rent based on income 200 100 58 Many of these apartment complexes offer subsidized rents; tenants pay a percentage of their income to rent or rents might be somewhat lower than area rents. For information on availability, eligibility and rents, please contact manager at the phone number listed. Every attempt has been made to provide accurate information; please let us know if you discover any errors. List compiled by Belmont Shelter Corp. 69 Page #2 Rev. Tuesday, December 11, 2001

Affordable Housing Opportunities Niagara County Number of Units Colt Block Apartments 2117 Main Street Niagara Falls NY 14305 282-8614 All units subsidized; rent based on income 3 61 2 - BR 3 - BR 4 - BR 7 Estella Apartments 942 Niagara Avenue Niagara Falls NY 14305 284-1467 Rent based on income 10 2 - BR 3 - BR 4 - BR 10 Monteagle Ridge Estates 4600 Hyde Park Bouleva Niagara Falls NY 14305 285-2454 132 subsidized units with rent based on income 8 2 - BR 60 3 - BR 74 4 - BR 8 Apple Walk Houses 9th Street Niagara Falls NY 14305 284-9993 102 subsidized units with rent based on income 20 47 2 - BR 144 3 - BR 135 4 - BR 56 Cambria Commons 5801 Unicorn Drive Sanborn NY 14132 884-7791 No subsidies; call for rents:will accept Section 8 Wendt's College View Shank Road Sanborn NY 14132 668-3109 20 subsidized units w/ rent based on income Wilson Country Estates 250 Autumn View Dr. Wilson NY 14172 298-4966 All units subsidized; rent based on income 24 24 24 Youngstown Village Square 90 Lake Street Youngstown NY 14174 745-3839 Rent based on income 10 2 - BR 3 - BR 4 - BR 20 Many of these apartment complexes offer subsidized rents; tenants pay a percentage of their income to rent or rents might be somewhat lower than area rents. For information on availability, eligibility and rents, please contact manager at the phone number listed. Every attempt has been made to provide accurate information; please let us know if you discover any errors. List compiled by Belmont Shelter Corp. 70 Page #3 Rev. Tuesday, December 11, 2001

Affordable Housing Opportunities Wyoming and Genesee Counties Number of Units Arcade Manor Sherman Dr. & Rt.39 Arcade NY 14009 814-455-8031 Rent based on income Garden Park North Street Arcade NY 14009 854-1251 40 Subsidized units; rent based on income 24 40 Colony Run Townhouses 89E Colony Run Attica NY 14011 591-2799 11 subsidized townhouses with rent based on income 2 - BR 4 3 - BR 12 4 - BR 8 Village Park Sokol Drive Attica NY 14011 800-848-8569 Rent based on income Corfu Meadows Apts. 53 W.Main Street Corfu NY 14036 343-2356 Rent based on income Schoolhouse Manor 1 N.Pearl Street Oakfield NY 14125 948-5039 Rent based on income Oatka Village Linwood Avenue Warsaw NY 14569 658-4627 Rent based on income 32 24 27 24 Humphreys Hollow Oak Street Warsaw NY 14569 315-437-2178 31 total units; rent based on income Yes 2 - BR Yes 3 - BR 4 - BR Yes Crestview Terrace 32 Salina Street Warsaw NY 14569 786-8684 Rent based on income; HUD 202 senior project Yorkshire Corners 1209 County Line Road Yorkshire NY 14173 814-455-8031 Rent based on income 35 24 Many of these apartment complexes offer subsidized rents; tenants pay a percentage of their income to rent or rents might be somewhat lower than area rents. For information on availability, eligibility and rents, please contact manager at the phone number listed. Every attempt has been made to provide accurate information; please let us know if you discover any errors. List compiled by Belmont Shelter Corp. 71 Page #1 Rev. Tuesday, December 11, 2001

Affordable Housing Opportunities Chautauqua and Cattaraugus Counties Number of Units Herbert Star Apartments 54 Central Avenue Brocton NY 14716 792-7585 All units subsidized; rent based on income Cattaraugus Manor West & Mills Streets Cattaraugus NY 14719 814-455-8031 Rent based on income Delevan Terrace Delevan Avenue Delevan NY 14042 699-2075 Rent based on income Ellicottville Terrace Cort Road Ellicottville NY 14731 292-0480 Rent based on income Franklinville Terrace 7 Franklin Street Franklinville NY 14737 699-2075 Rent based on income Maple Leaf Apartments South Main Street Franklinville NY 14737 814-455-8031 Rent based on income Little Valley Terrace Court Street Little Valley NY 14755 699-2075 Rent based on income 10 32 24 24 40 24 24 24 Hanover Hill 1413 Central Avenue Silver Creek NY 14136 792-7585 6 subsidized units with rent based on income 16 2 - BR 3 - BR 4 - BR 8 Many of these apartment complexes offer subsidized rents; tenants pay a percentage of their income to rent or rents might be somewhat lower than area rents. For information on availability, eligibility and rents, please contact manager at the phone number listed. Every attempt has been made to provide accurate information; please let us know if you discover any errors. List compiled by Belmont Shelter Corp. 72 Page #1 Rev. Tuesday, December 11, 2001

GLOSSARY This glossary contains commonly used terms related to apartment rental, housing and financing. 203(b) - FHA program which provides mortgage insurance to protect lenders from default; used to finance the purchase of new or existing one-to-four family housing; characterized by low down payment, flexible qualifying guidelines, limited fees, and a limit on maximum loan amount. 203(k) - this FHA mortgage insurance program enables homebuyers to finance the purchase of a house and the cost of its rehabilitation through a single mortgage loan. Abatement - A reduction or decrease. Usually applies to a government-granted decrease in property taxes, but can also refer to the reduction or termination of other debt. Abstract - A short legal history of a piece of property, tracing its ownership (title) through the years. An attorney or title insurance company reviews the abstract to make sure the title comes to a buyer free from any defects (problems). Abutting - Having property or district lines in common. Acquisition Financing - Funds obtained for the purpose of purchasing vacant land or properties (exclusive of any funds needed for property improvements or rehabilitation). Acquire, Rehab and Sale - A strategy of purchasing and rehabbing substandard homes, then selling them with affordable financing to low- or moderate-income buyers. Adjustable Rate Mortgage (ARM) - A mortgage in which the interest rate is adjusted periodically based on an index. Also called a variable rate mortgage. Adjustment Interval - For an adjustable rate mortgage, the time between changes in the interest rate charged. The most common adjustment intervals are one, three or five years. Affordable Housing - (also called public housing and assisted housing) - HUD's affordable housing program was established to provide decent and safe rental housing for eligible low-income families, the elderly, and persons with disabilities. Because public housing is limited to low-income families and individuals, local Public Housing Authorities determine each individual's eligibility based upon the following criteria: (1) annual gross income; (2) whether a person qualifies as elderly, a person with a disability, or as a family; and (3) U.S. citizenship or eligible immigration status. Public Housing Authorities use income limits, which are set by HUD; these income limits vary from area to area. All affordable housing facilities comply with federal fair housing regulations, accepting income-qualified residents without regard to race, color, religion, sex, handicap, familial status, or national origin. 73

Affordable Rental Investment Fund - A program through the Minnesota Housing Finance Agency that provides zero percent interest-deferred loans to help cover costs of providing permanent affordable rental housing. Affordable Senior Housing - The Department of Housing and Urban Development (HUD) 202 Program offers rental assistance for seniors who meet the requirements of the federal program. Rents are based on a resident's adjusted gross income, which is calculated by subtracting approved medical expenses from their income. The resident then pays 30 percent of the adjusted gross income for rent and utilities. Residency requirements have been determined by the United States Department of Housing and Urban Development (HUD). To be eligible for an apartment under the HUD 202 program, individuals or their spouse must be at least 62 years of age; individuals must have an annual income consistent with HUD guidelines for income maximums; individuals must be able to meet the posted residency criteria. All affordable senior housing facilities comply with federal fair housing regulations, accepting age- and income-qualified residents without regard to race, color, religion, sex, handicap, familial status, or national origin. Amenity - A feature of the home or property that serves as a benefit to the buyer but that is not necessary to its use; may be natural (like location, woods, water) or man-made (like a swimming pool or garden). American Association of Homes and Services for the Aging (AAHSA) - This national organization represents not-for-profit organizations that are dedicated to providing highquality health care, housing, and services to the nation's elderly. Its membership consists of over 5,000 not-for-profit nursing homes, continuing care retirement communities, senior housing facilities, assisted living, and community services. AAHSA organizations serve more than one million seniors of all income levels, creeds, and races. Americans with Disabilities Act (ADA) - The purpose of the ADA is to: (1) provide a clear and comprehensive national mandate for the elimination of discrimination against individuals with disabilities; (2) provide a clear, strong, consistent, enforceable standard addressing discrimination against individuals with disabilities; (3) ensure that the Federal Government plays a central role in enforcing the standards established in this chapter on behalf of individuals with disabilities; and (4) invoke the sweep of congressional authority, including the power to enforce the fourteenth amendment and to regulate commerce, in order to address the major areas of discrimination faced day-to-day by people with disabilities. The Act has subchapters or titles: Title I covers employment; Title II covers public services; Title III covers privately operated public accommodations and transportation services; Title IV covers telecommunications relay services; and Title V covers miscellaneous provisions. Title III of the ADA requires that public buildings meet minimum standards and make reasonable accommodations for disabled persons. Multifamily dwellings may require an ADA review prior to rehabilitation design. Amortization - Repayment of a mortgage loan through monthly installments of principal and interest; the monthly payment amount is based on a schedule that will allow you to own your home at the end of a specific time period (for example, 15 or 30 years). 74

Annual Percentage Rate (APR) - Calculated by using a standard formula, the APR shows the cost of a loan; expressed as a yearly interest rate, it includes interest, points, mortgage insurance, and other fees associated with the loan. Application - The first step in the official loan approval process. This form is used to record important information about the potential borrower necessary to the underwriting process. Application Fee - The fee charged by the lender to the borrower for loan application. Payment of this fee does not guarantee that a loan will be approved. Some lenders may apply the application fee to certain closing costs. Appraisal - A document that gives an estimate of a property s fair market value; an appraisal is generally required by a lender before loan approval to ensure that the mortgage loan amount is not more than the value of the property. Appraiser - A qualified individual who uses his or her experience and knowledge to prepare the appraisal estimate. Appreciation - The increase in the value of a property. Appropriation - A form of federal or state budget authority that permits obligations to be incurred and payments to be made. Assessment - A tax levied on a property or a value placed on the worth of property by a taxing authority. Assessment Rolls - The public record of all taxable property within a jurisdiction. Assessor - A government official who is responsible for determining the value of a property for the purpose of taxation. Assumable mortgage - A mortgage that can be transferred from a seller to a buyer; once the loan is assumed by the buyer, the seller is no longer responsible for repaying it; there may be a fee and/or a credit package involved in the transfer of an assumable mortgage. Balance Sheet An accounting statement of the financial position of a company showing all assets, liabilities and net worth as of a specific date. Balloon Mortgage Similar to a fixed-rate mortgage for a set number of years (usually five or seven) and then must be paid off in full in a single balloon payment. Balloon loans are popular with those expecting to sell or refinance their property within a definite period of time. Bankruptcy A federal law whereby a person s assets are turned over to a trustee and used to pay off outstanding debts; this usually occurs when someone owes more than they have the ability to repay. Basic Rent - The rent charged in a subsidized housing project and computed on the basis of a maximum subsidy. Below Market Interest Rate Program (BMIR) - This program was created in 1988 when approximately 301 of HUD's below-market interest rate (BMIR) multifamily 75

housing mortgage loans were purchased by the Arkansas Development Finance Authority (ADFA) in order to preserve thousands of low-income housing units. The loans were purchased through the sale of $215,625,000 in Government National Mortgage Association (GNMA) Guaranteed Bonds. This innovative financing by ADFA was accomplished in order to provide assurances to low-income housing advocates regarding preservation of the low-income rental housing projects, which secure the BMIR loans. The 3 to 3-1/2 percent interest rate BMIR loans offered through ADFA include lowincome rental requirements that must be met. The BMIR loans also prohibit prepayments for 20 years. Binder - A receipt for a deposit paid to secure the right to purchase a home at terms agreed upon by the buyer and seller. BOCA (Building Officials and Code Administrators) - Refers to the basic building code manual, used nationally as a standard, and locally with certain adaptations. Borrower - A person who has been approved to receive a loan and is then obligated to repay it and any additional fees according to the loan terms. Bridges - A rent subsidy program that links housing with social services for persons with severe and persistent mental illness. Bridges is operated by a local housing agency, which provides housing services, and a local mental health authority, which provides other support services while persons are on waiting lists for federal or other permanent housing subsidies. Broker - An individual in the business of assisting in arranging funding or negotiating contracts for a client but who does not lend the money himself. Brokers usually charge a fee or receive a commission for their services. Budget - A detailed record of all income earned and spent during a specific period of time. Buffer Zone - A strip of land, identified in the zoning ordinance, established to protect one type of land use from another with which it is incompatible. Buffer zones may either be shown on the zoning map or described in the ordinance with reference to neighboring districts. Building Code - Local or state regulations that control design, construction, alteration, use, occupancy, etc. of any structure. Buydown - A subsidy (usually paid by a builder or developer) to reduce the monthly payments on a mortgage loan. Cap - A limit to the amount an interest rate or a monthly payment can increase for an adjustable rate loan either during an adjustment period or over the life of the loan. Capital - Money invested either in a business or property to create income. Capital Asset - An asset of a permanent or fixed nature, or one used in carrying on a business or trade. 76

Capital Expenditures - The cost of an improvement made to extend the useful life of a property or to add to its value. Capital Gain or Capital Loss - The gain or loss incurred from the sale or disposition of a capital asset (such as a property). Capital Improvements - Improvements on a property that increase its value; also, improvement of public facilities such as streets, sewers, etc. Cash Flow - In investment property, the actual cash the investor will receive after deduction of operating expenses and debt service (loan payment) from gross income. Cash Reserves - A cash amount sometimes required to be held in reserve in addition to the down payment and closing costs; the amount is determined by the lender. Census Tract - A census tract is a small statistical subdivision of a county. Census tract data identifies population and housing statistics about a specific part of an urban area. This is particularly important when you want information about a particular part of a large city. A single community may be composed of several census tracts. Certificate of Compliance - Commonly used synonymously with zoning permit in which an official certifies that the plans for a proposed use conform with the zoning ordinance. Certificate of Occupancy - A document from an official agency stating that the property meets the requirements of local codes, ordinances, and regulations. Certificate of Title - A document provided by a qualified source (such as a title company) that shows the property legally belongs to the current owner. Before the title is transferred at closing, it should be clear and free of all liens or other claims. Certified Property Manager (CPM) - A professional certification in property management. Civil Rights Act of 1968 Title VIII, also known as the Federal Fair Housing Law, made illegal any discrimination in the sale, lease, rental, advertising, or inspection of real property based on race, color, religion, sex or national origin. Closing - Also known as settlement, this is the time at which the property is formally sold and transferred from the seller to the buyer; it is at this time that the borrower takes on the loan obligation, pays all closing costs, and receives title from the seller. Closing Costs - Customary costs above and beyond the sale price of the property that must be paid to cover the transfer of ownership at closing; these costs generally vary by geographic location and are typically detailed to the borrower after submission of a loan application. Code Compliance - To be in accordance with required building codes (local, state, BOCA). Code Inspection - The assessment of the design, construction, and material used in buildings in meeting required building codes. 77

Collateral - Property pledged as security for a debt, for example, mortgaged real estate. Comments - Lenders may provide a brief description of some of their programs or special features on the caller.com Mortgage Center Tables. Many lenders offer discounts to any borrower who mentions caller.com. It is always recommended that you tell your lender that you found him on the caller.com Mortgage Tables, because some lenders offer these discounts even if they do not explicitly say so in their comments. Commission - An amount, usually a percentage of the property sales price, that is collected by a real estate professional as a fee for negotiating the transaction. Commitment - A written letter of agreement detailing the terms and conditions by which the lender will lend and the borrower will borrow funds to finance a home. Community Development Block Grants (CDBG) - A federal program administered by HUD which provides grant funds to local and state governments to develop viable urban communities by providing decent housing and expanding economic opportunities for low- and moderate-income residents. Community Development Financial Institutions - An array of diverse institutions that lend to low-income and, increasingly, middle-income persons, American Indian reservations and community development projects, complementing the work of conventional lenders. Included are community development banks, community development credit unions, community development loan funds and micro-loan funds. Community Investment Program - A federal program established by the Financial Institutions Reform, Recovery, and Enforcement Act through which Federal Home Loan Banks provide low-cost advances and direct subsidies to member banks for purchasing or renovating owner-occupied or rental housing for families with incomes up to 115 percent of the area median, for low- or moderate-income commercial or economic development, and for mixed-use projects combining housing and commercial or economic development activities. Community Land Trust - A means of restricting use of land and housing through notfor-profit ownership of land with leases to the land users. It is often used to protect lowincome housing from speculation. Community Reinvestment Act (CRA) - A 1977 federal law that requires banks and savings and loan associations to help meet the credit needs of their local communities, including low-income communities. Conditions, Covenants, and Restrictions (CC and Rs) - The standards that define how a property may be used and the protections the developer has made for the benefit of all owners in a subdivision. Condominium - A home in a multi-unit complex; each purchaser owns an individual unit, and all the purchasers jointly own the common areas, such as the surrounding land, hallways, etc. Conforming Loan - A mortgage loan for up to $300,700 in the continental United States (Alaska and Hawaii limits are higher). 78

Consolidated Plan - A document written by a state or local government describing the housing needs of the low- and moderate-income residents and outlining strategies to meet those needs. The consolidated plan is required by HUD in order to receive Community Planning and Development funds. Construction Loan - A short-term loan for funding the cost of construction. The lender advances funds to the builder as the work progresses. Conventional Loan - A mortgage neither insured by the FHA nor guaranteed by the VA. Conversion - The right of a borrower to convert an adjustable or balloon loan into a fixed loan. Conventional Loan - A private sector loan, one that is not guaranteed or insured by the U.S. government. Cooperative (Co-op) - A form of ownership in a multi-unit complex; the purchasers own shares of the entire complex rather than owning individual units. Credit Bureau Score - a number representing the possibility a borrower may default; it is based upon credit history and is used to determine ability to qualify for a mortgage loan. Credit History - History of an individual s debt payment; lenders use this information to gauge a potential borrower s ability to repay a loan. Credit Rating - A report ordered by a lender from a credit bureau to determine if the borrower is a good credit risk. Credit Report - A record that lists all past and present debts and the timeliness of their repayment; it documents an individual s credit history. Debt-to-income Ratio - A comparison of gross income to housing and non-housing expenses. With the FHA, the monthly mortgage payment should not exceed more than 29% of monthly gross income (before taxes) and the mortgage payment combined with non-housing debts should not exceed 41% of income. Deed - The document that transfers ownership of a property from the seller to the buyer. Deed-in-lieu - To avoid foreclosure ( in lieu of foreclosure), a deed is given to the lender to fulfill the obligation to repay the debt; this process doesn t allow the borrower to remain in the house but helps avoid the costs, time, and effort associated with foreclosure. Deed Restrictions - Clauses in a deed limiting the future uses of the property. Deed restrictions can take many forms - They may limit the density of buildings, dictate the types of structures that can be erected, prevent buildings from being used for specific purposes or used at all, and limit the resale price, etc. Default - The failure to make payments on a loan. Delinquency - Failure of a borrower to make timely mortgage payments under a loan agreement. 79

Density - The number of homes built on a particular acre of land. Allowable densities are usually determined by local jurisdictions. Department of Housing and Urban Development (HUD) - A federal government agency responsible for national policy and programs that address the nation s need for fair and affordable housing for low- and moderate-income people. HUD administers several programs, including Community Development Block Grants, Section 8 certificates and vouchers, subsidized public housing, homeless assistance, and fair housing education and enforcement. Depreciation - A sum representing presumed loss (from physical wear and economic obsolescence) in the value of a building or other real-estate improvement and deducted annually from net income to arrive at taxable income. Discount Point - Normally paid at closing and generally calculated to be equivalent to 1% of the total loan amount, discount points are paid to reduce the interest rate on a loan. Down Payment - Money paid by a buyer from his own funds, as opposed to that portion of the purchase price which is financed. The down payment is usually paid at closing. Due-on-Sale - A clause in a mortgage contract requiring the borrower to pay the entire outstanding balance upon sale or transfer of the property. A mortgage with a due-on-sale clause is not assumable. Earnest money - Money put down by a potential buyer to show that he or she is serious about purchasing the home; it becomes part of the down payment if the offer is accepted, is returned if the offer is rejected, or is forfeited if the buyer pulls out of the deal. Easement - Right-of-way granted to a person or company authorizing access to the owner s land; for example, a utility company may be granted an easement to install pipes or wires. An owner may voluntarily grant an easement, or in some cases, be compelled to grant one by a local jurisdiction. Economic Development Administration (EDA) - An agency of the Department of Commerce that provides planning, technical assistance and financial resources to qualifying programs. Eminent Domain - The right of governmental bodies, public utilities and public service corporations to take private property for public use (e.g., schools, roads, sewer, power line towers) on payment of its fair market value. Empowerment Zone/Enterprise Community (EZ/EC) - This is an initiative sponsored through HUD's Community Planning and Development Office. The goal of the EZ/EC initiative is to create self-sustaining, long-term economic development in under-served areas. The initiative accomplishes this by using innovative and comprehensive strategic plans developed and implemented through partnerships among private, public, and nonprofit entities in each community. The EZ/EC framework is represented in four key principles: strategic vision for change, economic opportunity, sustainable community development, and community-based partnerships. Eligible applicants include local governments and states in which a nominated area is located. 80

Encumbrance - An outstanding claim or lien on a property. A property with a mortgage is said to be encumbered by that mortgage. Energy Audit - A building evaluation to assess the condition and efficiency of heating units and to identify locations of heat loss. Energy Efficient Mortgage (EEM) - An FHA program that helps homebuyers save money on utility bills by enabling them to finance the cost of adding energy efficiency features to a new or existing home as part of the home purchase. Escrow Account - A separate account into which the lender puts a portion of each monthly mortgage payment; an escrow account provides the funds needed for such expenses as property taxes, homeowners insurance, mortgage insurance, etc. Escrow Fee - These costs cover the preparation and transmission of all home purchaserelated documents and funds. Escrow fees range from several hundred to over a thousand dollars, based on the purchase price of the home. Not all states require placement of into escrow accounts for closing. Equity - The difference between the value of a home and what is owed on it. Equity Capital - Money invested by owners or others who share in profits or tax breaks. Fair Housing Act - A law that prohibits discrimination in all facets of the home buying process on the basis of race, color, national origin, religion, sex, familial status, or disability. (See also Civil Rights Act of 1968). Fair Housing Amendments Act of 1988 The amended Fair Housing Act strengthened the law of 1968 by covering discrimination based on disability and familial status. (See also Civil Rights Act of 1968). Fair Market Rent (FMR) - Rent guidelines determined by HUD to be the cost of modest, non-luxury rental units in a specific market area for various size units (1- bedroom, 2-bedroom, etc.). With certain exceptions, it is the highest rent chargeable for that market under the Section 8 program. FMRs are revised annually and are different for each community. Fair Market Value - The price at which property is transferred between a willing buyer and a willing seller, based on accurate appraisals. Neither party is under compulsion to buy or sell. Family Homeless Prevention and Assistance Program - A program that provides grants to encourage and support innovations at the county, regional, or local level in redesigning the existing homelessness support system or in establishing a comprehensive system. Funds are used for a broad range of purposes aimed at preventing homelessness, shortening the length of stay in emergency shelters, and/or assisting families with securing transitional or permanent affordable housing. Fannie Mae Federal National Mortgage Association (FNMA) - A federallychartered enterprise owned by private stockholders that purchases residential mortgages and converts them into securities for sale to investors. By purchasing mortgages, Fannie Mae supplies funds that lenders may loan to potential homebuyers. 81

Federal Environmental Assessments - A Phase I Environmental Site Assessment is a visual and record search of a site in order to determine environmental hazards. There are several Phase I Environmental Site Assessment (ESA) protocols that have been developed. A Phase II Environmental Site Assessment is a site assessment that identifies the characteristics and extent of suspected contamination. Phase II site assessments involve taking samples for analysis and often require several testing cycles before completion. Federal Housing Administration (FHA) - A federal agency which insures mortgages that have lower down payment requirements than conventional loans. Finance Charge - The total dollar amount your loan will cost you. It includes all interest payments for the life of the loan, any interest paid at closing, your origination fee and any other charges paid to the lender and/or broker. Appraisal, credit report, and title search fees are not included in the finance charge calculation. Fixed-Rate Mortgage - A mortgage in which the interest rate does not change for the life of the loan. Fixed Schedule Mortgage - A mortgage whose payment schedule for the life of the loan is established at closing. The payments and interest rate are not necessarily level. Float - Between the time of application and closing, a borrower may choose to bet on interest rates decreasing by electing to float. Floating is essentially choosing not to lock the interest rate. Since it is the borrower s responsibility to lock his or her rate before (or at) closing, choosing to float is considered risky and may result in a higher interest rate. Request information from your lender regarding lock procedures. Flood Insurance - Insurance that protects homeowners against losses from a flood; if a home is located in a flood plain, the lender will require flood insurance before approving a loan. Foreclosure - A legal process in which mortgaged property is sold to pay the loan of the defaulting borrower. Freddie Mac - Federal Home Loan Mortgage Corporation (FHLM) A federallychartered corporation that purchases residential mortgages, securitizes them, and sells them to investors; this provides lenders with funds for new homebuyers. Front-End Money (Front Money) - Funds required to start a project and generally advanced by the developer or equity owner as a capital contribution to the project, also called seed money. Ginnie Mae - Government National Mortgage Association (GNMA) A governmentowned corporation overseen by the U.S. Department of Housing and Urban Development, Ginnie Mae pools FHA-insured and VA-guaranteed loans to back securities for private investment; as with Fannie Mae and Freddie Mac, the investment income provides funding that may then be lent to eligible borrowers by lenders. Good Faith Estimate - An estimate of charges which a borrower is likely to incur in connection with a loan closing. 82

Graduated Payment Mortgage (GPM) - A fixed-rate, fixed-schedule loan which starts with lower payments than a level payment loan; the payments rise annually over the first 5 to 10 years and then remain constant for the remainder of the loan. GPMs involve negative amortization. Grandfathered - Zoning use that, once allowed, may be continued even though other zoning is changed, e.g., a prior commercial use on a lot may be continued even after residential zoning has been instituted on surrounding property. Gross Monthly Income - The total amount the borrower earns per month, not counting any taxes or expenses. Often used in calculations to determine whether a borrower qualifies for a particular loan. Growing Equity Mortgage (Rapid Payoff Mortgage) - A fixed-rate, fixed-schedule loan which starts with the same payments as a level payment loan; payments rise annually, with the entire increase used to reduce the outstanding balance. No negative amortization occurs, and the increase in payments may enable the borrower to pay off a 30-year loan in 15 to 20 years, or less. Hard Cost - The cost of land acquisition and improvement. Hazard Insurance - Protection against damage caused by fire, windstorm, or other common hazards. Many lenders require borrowers to carry it in an amount at least equal to the mortgage. Heating, Ventilation and Air Conditioning (HVAC) - A home s heating and cooling system. Homebuyer Education Learning Program (HELP) An educational program from the FHA that counsels people about the home buying process; HELP covers topics like budgeting, finding a home, getting a loan, and home maintenance; in most cases, completion of the program may entitle the homebuyer to a reduced initial FHA mortgage insurance premium-from 2.25% to 1.75% of the home purchase price. Home Energy Assistance Program (HEAP) Federally funded grant program that provides assistance to eligible households to pay their home heating bills. Eligibility is based on income guidelines, and applicants must provide documentation to prove eligibility. HEAP grants are administered by the Department of Social Services and the Department of Senior Services. For more information call: Erie County - 716-858-7644; Chautauqua County 716-363-3500; Niagara County 716-278-8645. Home Inspection - An examination of the structure and mechanical systems to determine a home s safety--makes the potential homebuyer aware of any needed repairs. HOME Investment Partnerships Program This program is operated by HUD and is a federal housing block grant program that allows states and local governments the flexibility to fund a wide range of low-income housing activities, including moderate and substantial rehabilitation, new construction, tenant-based rental assistance and other housing-related activities. 83

Home Warranty - Offers protection for mechanical systems and attached appliances against unexpected repairs not covered by homeowner s insurance; coverage extends over a specific time period and does not cover the home s structure. Homeowner s Insurance - An insurance policy that combines protection against damage to a dwelling and its contents with protection against claims of negligence or inappropriate action that result in someone s injury or property damage. Housing Authority - An agency charged with providing housing for low-income citizens; it often owns and/or operates public housing units. Housing Choice - The housing choice voucher program is a federal program for assisting very low-income families, the elderly, and the disabled to afford decent, safe, and sanitary housing in the private market. Since housing assistance is provided on behalf of the family or individual, participants are able to find their own housing, including singlefamily homes, townhouses and apartments. The participant is free to choose any housing that meets the program s requirements and is not limited to units located in subsidized housing projects. For more information, see http://www.hud.gov/offices/pih/programs/hcv/about/fact_sheet.cfm Housing Counseling Agency - Provides counseling and assistance to individuals on a variety of issues, including loan default, fair housing, and home buying. Housing Development Corporation - A private, multifamily housing corporation established to serve a specific geographic area (neighborhood, city, state, and region). Provides technical assistance, lends seed money, and directly sponsors housing developments. Generally, community residents, local business people and government officials have representation on its board of directors. Housing Finance Agency - A state agency which offers a limited amount of belowmarket-rate home financing for low- and moderate-income households. Housing Ratio - The ratio of the monthly housing payment to total gross monthly income. Also called Payment-to-Income Ratio or Front-End Ratio. Housing Trust Fund - Provides deferred loans without interest for the development, construction, acquisition, preservation and rehabilitation of low-income rental housing, limited equity cooperative housing and homes for ownership through community housing organizations. HUD - The U.S. Department of Housing and Urban Development; established in 1965, HUD works to create a decent home and suitable living environment for all Americans; it does this by addressing housing needs, improving and developing American communities, and enforcing fair housing laws. HUD Income Guidelines - Income levels used for determining eligibility for HUD assistance programs, typically expressed as a percentage of the area median income. Very Low Income - Households whose income does not exceed 50% of the area median income. 84

Low Income - Generally, a household whose income does not exceed 80% of the area median income. Moderate Income - Generally, households whose income ranges between 81% and 95% of the area median income. HUD1 Statement - Also known as the settlement sheet, it itemizes all closing costs; must be given to the borrower at or before closing. Income Qualifiers - "Very low-income" is defined as 50 percent of the median family income for the area, subject to specified adjustments for areas with unusually high or low incomes. "Low-income" is defined as 80 percent of the median family income for the area, subject to adjustments for areas with unusually high or low incomes or housing costs. Index - A published interest rate not controlled by the lender to which the interest rate on an Adjustable Rate Mortgage (ARM) is tied. The index and the interest rate linked to it may increase or decrease. Inflation - The number of dollars in circulation exceeds the amount of goods and services available for purchase; inflation results in a decrease in the dollar s value. Infrastructure - The public facilities and services needed to support residential development, including highways, bridges, schools, and sewer and water systems. Insurance - Protection against a specific loss over a period of time that is secured by the payment of a regularly scheduled premium. Interest - The cost paid to a lender for the use of borrowed money. Interest Rate - The percentage of an amount of money which is paid for its use for a specified time. Joint Tenancy - A form of ownership by which the tenants own a property equally. If one dies, the other would automatically inherit the entire property. Joint Venture - An agreement between two or more parties to invest in a business or property. Judgment - A legal decision; when requiring debt repayment, a judgment may include a property lien that secures the creditor s claim by providing a collateral source. Jumbo Loan - A loan for $300,700 or more in the continental United States (Alaska and Hawaii limits are higher). These limits are set by the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation. Because jumbo loans cannot be funded by these two agencies, they usually carry a higher interest rate. Land Contract - An agreement to transfer title to a property once the conditions of the contract have been fulfilled. Usually the buyer does not receive title to the property until the final payment is made. Land Loan - A loan for the purchase of property, which is held pending zoning or financial approval. 85

Land Trusts or Leases - A technique popular in England and recently popular with affordable housing groups in the United States in which a trust or other nonprofit developer sells a building to the residents but retains ownership of the land on which it is located and provides a long-term lease. This technique reduces the cost of acquisition (since the buyer need not purchase the land) and helps the nonprofit to retain future control over disposition of homestead property. Land Use Plan - Policy for the use of land that is intended to serve the general welfare. Lead-Safe Housing - A new standard for cleaning up lead-contaminated housing that recognizes that intact lead paint is not hazardous to children while lead paint that is deteriorating can cause a child to become lead poisoned. Under this standard, education about lead hazards and safe cleanup are seen as critical to preventing children from becoming lead poisoned. Lead-safe cleanup is much less costly, much more practical, and more child-protective than lead-free (also called abatement) cleanup. Lease Purchase - Assists low- to moderate-income homebuyers in purchasing a home by allowing them to lease a home with an option to buy; the rent payment is made up of the monthly rental payment plus an additional amount that is credited to an account for use as a down payment. Lender - The bank, mortgage company, or mortgage broker offering the loan. Many institutions only originate loans and then resell the obligation to third parties. Lessee - The tenant. Lessor - The landlord. Level Payment Mortgage - A mortgage whose payments are identical for each month over the life of the loan. LIBOR - The London Interbank Offered Rate Index (LIBOR) is an average of the interest rates that major international banks charge each other to borrow U.S. dollars in the London money market. Like the U.S. Treasury and the CD indexes, LIBOR tends to move and adjust quite rapidly to changes in interest rates. Lien - A legal claim against a property that must be satisfied when the property is sold. Limited Partnership - A partnership consisting of one or more general partners and limited partners. The general partner manages the business, while the limited partner(s) contribute(s) cash. The limited partner s liability is limited to the amount he or she has invested. Life of Loan Cap - The maximum interest rate that can be charged during the life of the loan. Also called Lifetime Cap. Loan - Money borrowed that is usually repaid with interest. Loan Fraud - Purposely giving incorrect information on a loan application in order to better qualify for a loan; may result in civil liability or criminal penalties. 86

Loan-to-value (LTV) Ratio - A percentage calculated by dividing the amount borrowed by the price or appraised value of the home to be purchased; the higher the LTV, the less cash a borrower is required to pay as down payment. Lock-in - Since interest rates can change frequently, many lenders offer an interest rate lock-in that guarantees a specific interest rate if the loan is closed within a specific time. Loss Mitigation - A process to avoid foreclosure; the lender tries to help a borrower who has been unable to make loan payments and is in danger of defaulting on his or her loan. Low Income Housing Preservation and Resident Homeownership Act (LIHPRHA) - This Act, which was passed in 1991, provides incentives to owners to extend affordability terms on Section 236 and 221(d)(3) housing where subsidy contracts have expired or where owners have reached an "opt out" point. During the last five years, thousands of units have been "preserved" under LIHPRHA provisions. The term "preservation" relates to the federal assistance program that helps owners keep their properties affordable to low-income individuals. Under this program, federal assistance pays the difference between 30 percent of a tenant's income and market rents. Low Income Housing Tax Credit - A tax credit allowed for investors as an incentive for the development and preservation of multifamily rental housing affordable to low- and very-low-income households, sometimes referred to as Section 42. Low Income Residential Assistance (LIRA) National Fuel program designed to assist payment-troubled customers with high gas use and low incomes. Customers who are selected to participate in the program receive a lower monthly gas rate and debt forgiveness. Further reductions are offered for using less gas. For more information, contact National Fuel 716-686-6123. Margin - An amount the lender adds to an index to determine the interest rate on an adjustable rate mortgage. Minimum Credit - This field on the caller.com tables refers to the minimum credit rating a borrower must have in order to qualify for the listed loan. Mobility Counseling - In an effort to reduce concentrations of inner-city poverty, the U.S. Department of Housing and Urban Development (HUD) has developed a set of initiatives intended to ensure that low-income, inner-city families have access to affordable housing opportunities throughout their metropolitan area. For more information, see http://www.huduser.org:80/publications/txt/resmobil.txt Monthly Housing Expense - Total principal, interest, taxes, and insurance paid by the borrower on a monthly basis. Used with gross income to determine affordability. Mortgage - A lien on the property that secures the promise to repay a loan. Mortgage Banker - A company that originates loans and resells them to secondary mortgage lenders like Fannie Mae or Freddie Mac. Mortgage Broker - A firm that originates and processes loans for a number of lenders. 87

Mortgage Commitment - A formal written communication by a lender, agreeing to make a mortgage loan on a specific property, specifying the loan amount, length of time, and conditions. Mortgage Company (Mortgage Banker) - A company that borrows money from a bank, lends it to consumers who want to buy homes, then sells the loans to investors. Mortgagee - The lender who makes a mortgage loan. Mortgage Insurance - A policy that protects lenders against some or most of the losses that can occur when a borrower defaults on a mortgage loan; mortgage insurance is required primarily for borrowers with a down payment of less than 20% of the home s purchase price. Mortgage Insurance Premium (MIP) - A monthly payment (usually part of the mortgage payment) paid by a borrower for mortgage insurance. Mortgage Loan - A contract in which the borrower s property is pledged as collateral and which can be repaid in installments over a long period. The mortgagor (buyer) promises to repay principal and interest, keep the home insured, pay all taxes, and keep the property in good condition. Mortgage Modification - a loss mitigation option that allows a borrower to refinance and/or extend the term of the mortgage loan and thus reduce the monthly payments. Mortgage Origination Fee - A charge by a lender for the work involved in preparing and servicing a mortgage application (usually 1 percent of the loan amount). Negative Amortization - An increase in the outstanding balance of a loan when a monthly payment is not large enough to cover all interest due. Neighbor For Neighbor Heat Fund National Fuel program which helps qualified households meet basic energy needs. To be eligible, you must be disabled, or have a certified medical emergency, or meet the minimum age requirement. For more information, contact National Fuel 716-686-6123. Net Operating Income (NOI) - In rental properties, this is the gross income from rents and other sources minus the vacancy allowance and operating expenses. The net operating income is the amount available for making loan payments (debt service) and paying investors (cash flow). New York State Human Rights Law 296 Landlords may not refuse to lease or renew accommodations to, or otherwise discriminate against any person or group of persons because of race, creed, color, national origin, sex, disability, age or marital status. New York State Real Property Law 236 Landlords may not refuse to lease an apartment or discriminate against any person in the terms and conditions of a rental property because a person has children living with them. New York State Real Property Law 237 A lease may not require that tenants agree to remain childless during their tenancy. 88

Note - A formal document showing the existence of a debt and stating the terms of repayment. Occupancy Regulations - Regulations limiting the number of people who are allowed to live in a housing unit and the kinds of activity permitted on the premises. The most prevalent form of occupancy regulation is the requirement that each housing unit be occupied by only one family. Offer - Indication by a potential buyer of a willingness to purchase a home at a specific price; generally put forth in writing. Origination - The process of preparing, submitting, and evaluating a loan application; generally includes a credit check, verification of employment, and property appraisal. Origination Fee - The fee imposed by a lender to cover certain processing expenses in connection with making a loan; usually a percentage of the amount loaned and paid at closing. Partial Claim - A loss mitigation option offered by the FHA that allows a borrower, with help from a lender, to get an interest-free loan from HUD to bring mortgage payments up to date. PITI - Stands for principal, interest, taxes and insurance the components of a monthly mortgage payment. PITI Ratio - The principal, interest, tax and insurance payment-to-income ratio that is used in mortgage-lending decisions. Planning Commission - A local or regional organization, normally a government agency, responsible for preparing and adopting comprehensive, long-term general plans for the physical development of property within its jurisdiction. Points - Interest charges paid up-front when a borrower closes a loan. A point is equal to 1 percent of the loan amount (e.g. 1.5 points on a $100,000 mortgage would cost the borrower $1,500). Generally, by paying more points at closing, the borrower reduces the interest rate of his loan and thus future monthly payments. Pre-approve - Lender commits to lend to a potential borrower; commitment remains as long as the borrower still meets the qualification requirements at the time of purchase. Pre-foreclosure Sale - Allows a defaulting borrower to sell the mortgaged property to satisfy the loan and avoid foreclosure. Premium - An amount paid on a regular schedule by a policyholder that maintains insurance coverage. Prepaids - Expenses such as taxes, insurance and assessments which are paid in advance of the due date and which must be paid by the buyer on a prorated basis at time of closing. Prepayment - Payment of all or part of a debt prior to maturity. 89

Prepayment Penalty - Lenders who impose prepayment penalties will charge borrowers a fee if they wish to repay part or all of their loan in advance of the regular schedule. Pre-qualify - A lender informally determines the maximum amount an individual is eligible to borrow. Principal - The amount borrowed from a lender; doesn t include interest or additional fees. Private Mortgage Insurance (PMI) - Paid by a borrower to protect the lender in case of default. PMI is typically charged to the borrower when the Loan-to-Value Ratio is greater than 80%. Pro Forma - A statement showing the projected annual income and operating expenses of a project. Project Rental Assistance Contract (PRAC) - Project Rental Assistance Contract (PRAC) funds are used to cover differences between what affordable housing residents pay for rent and the HUD-approved expense to operate the project. Project Rental Assistance Contract funds may also be used to provide supportive services and to hire a service coordinator in those projects serving frail elderly residents. The supportive services must be appropriate to the category or categories of frail elderly residents to be served. Property Survey - A survey to determine the boundaries of your property. The cost will depend on the complexity of the survey. Public Housing Authority (PHA) - A public agency created by a state or local government to finance or operate low-income housing. Qualifying Ratio - The ratio of the borrower s fixed monthly expenses to his gross monthly income. Radon - A radioactive gas found in some homes that, if occurring in strong-enough concentrations, can cause health problems. Rapid Payoff Mortgage - (See Growing Equity Mortgage). Real Estate Agent - An individual who is licensed to negotiate and arrange real estate sales; works for a real estate broker. Real Estate Settlement Procedures Act (RESPA) - A federal law requiring lenders to provide home buyers with information about known or estimated settlement costs. The act also regulates other aspects of settlement procedures. Realtor - A real estate agent or broker who is a member of the National Association of Realtors and its local and state associations. Recording Fee - A charge for recording the transfer of property, paid to a city, county, or other appropriate branch of government. Refinancing - Paying off one loan by obtaining another; refinancing is generally done to secure better loan terms (like a lower interest rate). 90

Rehabilitation Mortgage - A mortgage that covers the costs of rehabilitating (repairing or improving) a property. Some rehabilitation mortgages - like the FHA s 203(k) - allow a borrower to roll the costs of rehabilitation and home purchase into one mortgage loan. Rental Assistance for Family Stabilization - Provides rent assistance to families on public assistance who are involved in a self-sufficiency effort. The program is administered jointly by a local housing agency and local self-sufficiency provider. Reserves - Cash or letter of credit held to fund future liabilities. Typical reserves include replacement reserve for major repairs, operating reserve for covering negative cash flow and contingency fund. Reverse mortgage (Also known as Home Equity Conversion) Offered by banks, thrifts, and other financial institutions. Four reverse mortgage products are available to consumers in the U.S. at the present time. The most popular reverse mortgage is the federally-insured reverse mortgage, called the FHA Home Equity Conversion Mortgage Program (HECM). The other major product is the Home Keeper reverse mortgage, which was developed in the mid-1990s by Fannie Mae, a private national mortgage company. A companion product is the Home Keeper for Home Purchase mortgage, which is intended for home purchases. One "jumbo" private reverse mortgage product is offered by Financial Freedom Senior Funding Corp., of Irvine, CA. This is the Cash Account Plan. The HECM and Home Keeper products are available in every state, while Financial Freedom s product is offered in 21 states and the District of Columbia. R-Value - The resistance of insulation material (including windows) to heat passing through it. The higher the number, the greater the insulating value. Sales Contract - A contract between a buyer and seller which should explain, in detail, exactly what the purchase includes, what guarantees there are, when the buyer can move in, closing costs, and what recourse parties may have if the contract is not fulfilled or if the buyer cannot get a mortgage commitment at the agreed-upon terms. Section 8 Certificate - A rent subsidy that allows a tenant to rent a unit priced at or below the fair market rent (FMR) set by HUD. The rental property owner is paid for the difference between 30% of the renter s income and the unit s rent. Section 8 Housing - This type of affordable housing is based on the use of subsidies, the amount of which is geared to the tenant's ability to pay. The subsidy makes up the difference between what the low-income household can afford, and the fair market rent established by HUD for an adequate housing unit. Subsidies are either attached to specific units in a property (project-based), or are portable and move with the tenants that receive them (tenant-based). The Section 8 program was passed by Congress in 1974 as part of a major restructuring of the Department of Housing and Urban Development's (HUD) low-income housing programs. Section 8 was created to permit federal housing assistance to go for construction or rehabilitation of new low-income housing or to subsidize existing housing. Section 8 Project-Based Assistance - This form of assistance is linked to a particular property so that a tenant moving into the building pays 30% of their adjusted gross 91

income in rent and the remainder is subsidized. The tenant receives the rental assistance as long as they live in the building and remain income-eligible. Section 8 Tenant-Based Assistance - This form of assistance is issued to the tenant in the form of a certificate or voucher which the tenant can use to rent from a landlord who participates in the program. Section 8 Voucher - A rent subsidy that allows a tenant to rent a unit that is above the fair market rent (FMR) set by HUD. The rental property owner is paid for the difference between 40% of the renter s income and the FMR. The tenant pays the amount of rent over the FMR. Section 202 Housing - This is a type of affordable housing designed for low-income individuals who are elderly or disabled. The Department of Housing and Urban Development (HUD) 202 Program offers rental assistance for seniors or the disabled who meet the requirements of the federal program. Rent subsidies are based on a resident's adjusted gross income, which is calculated by subtracting approved medical expenses from their gross income. Section 236 Housing - Section 236 of the National Housing Act (1934) provided a rent subsidy, in the form of interest reduction, through which multifamily housing could be produced. Two rent schedules were utilized: market rent, based on a market rate mortgage; and a basic rent, based on a one percent mortgage. Tenants were required to pay the basic rent of 25 percent of their income, whichever was greater, with rent payments never to exceed market rents. Units were restricted to households that met the low- and moderate-income limits established for the program. The subsidized housing moratorium imposed by President Nixon in January 1973 brought an end to additional Section 236 construction. Settlement- (See Closing). Shared Appreciation Mortgage A loan in which partners agree to share specified portions of the down payment, monthly payment, and appreciation. Single-Room Occupancy (SRO) Housing - One of the country s oldest forms of affordable housing for single and elderly low-income people. Typically, an SRO room will have a sink and closet. Bathroom, shower, kitchen, and other rooms are usually shared. Special Forbearance - A loss mitigation option where the lender arranges a revised repayment plan for the borrower that may include temporary reduction or suspension of monthly loan payments. Subordinate - To place in a rank of lesser importance or to make one claim secondary to another. Subsidy - Generally any funds provided from a source (generally a unit of local, state or the federal government) that reduces the amount of financing a borrower needs to obtain from a conventional lender, or that provides support payments, low-interest loans or grants that allow low-income people to afford to live in housing that would otherwise be unaffordable or unavailable. 92

Super Notice of Funding Availability (SuperNOFA) - Each year, the U.S. Department of Housing and Urban Development (HUD) issues a super Notice of Funding Availability (NOFA) for the Department's Housing, Community Development and Empowerment programs. This SuperNOFA announces the availability of HUD program funds covering 32 grant programs, including the Supportive Housing, Shelter Plus Care and Section 8 Moderate Rehabilitation Single Room Occupancy programs; the Housing Opportunities for Homeless Persons with AIDS (HOPWA); Section 202 Supportive Housing for the Elderly; and Section 811 Supportive Housing for Persons with Disabilities. Supportive Housing Program (SHP) - A federal program, authorized by Title VI of the Stewart B. McKinney Homeless Assistance Act of 1987, that provides financial assistance toward the development and operating cost of transitional housing for the homeless and permanent housing for the homeless and disabled. Grants may be used only to provide long-term housing opportunities. Survey - A property diagram that indicates legal boundaries, easements, encroachments, rights of way, improvement locations, etc. Sweat equity - Using labor to build or improve a property as part of the down payment. Syndication - The sale of equity interests (shares) in real-estate projects to investors other than the original developers. The concept extends generally to any group of investors who have contributed funds for the common purpose of carrying out a realestate project requiring concentration of capital. It can take several business forms, but the most common is the limited partnership. Targeted HOME Fund - A flexible fund for rental or single family affordable or supportive housing which meets federal HOME requirements. Tax Classification 4d - A Minnesota State property tax law that gives owners of lowincome rental housing a property tax break if they agree to keep their units affordable for a period of five years. Tax Credit - A dollar-for-dollar reduction against income tax payments that would otherwise be due. Contrasted with tax deductions that reduce taxable income. Tax Increment Financing (TIF) - A public financing tool used to assist economic development projects by capturing projected property tax revenue stream to be created by developing and investing those funds in improvements associated with the project. Tax Lien - A claim against real estate for the amount of its unpaid taxes. Tenancy in Common - A form of ownership in which tenants own separate but equal parts. To inherit the property, a surviving tenant would either have to be mentioned in the will or, in the absence of a will, be eligible through state inheritance laws. Title - A document that gives evidence of an individual s ownership of property. Title Insurance - Title Insurance policies typically insure a homebuyer against any titlesearch errors or mistakes, and against loss due to disputes over property ownership. Title Insurance can additionally offer protection to the lender under similar circumstances. The 93

cost of title insurance is usually a set value per thousand of dollars of the total loan amount. Title Search - A check of public records to be sure that the seller is the recognized owner of the real estate and that there are no unsettled liens or other claims against the property. Total Debt Ratio - Monthly debt and housing payments divided by gross monthly income. Also known as Back-End Ratio. Transfer Taxes - Taxes levied on the transfer of property or on real estate loans by state and/or local jurisdictions. Transitional Housing - Shelter for homeless individuals and families for six months to two years in an environment of security and support designed to help residents progress toward self-sufficiency. A middle point between emergency shelter and permanent housing. Transitional Housing Program - Provides funds for the construction, acquisition, or rehabilitation of residential housing for low-income individuals and families having an immediate need for temporary or transitional housing. Truth-in-Lending - A federal law obligating a lender to give full written disclosure of all fees, terms, and conditions associated with the loan initial period and then adjusting to another rate that lasts for the term of the loan. U-Value - The U-Value number represents the amount of heat lost through one square meter of a material for every degree difference in temperature on either side of the material and is measured in units of Watts per Meter Squared per Degree Kelvin or W/m 2 K. Note that Kelvin is used as the scale of temperature difference, but this is numerically equal to degrees Celsius. Underwriting - The process of analyzing a loan application to determine the amount of risk involved in making the loan; it includes a review of the potential borrower s credit history and a judgment of the property value. Uniform Building Code (UBC) - The minimum standards set for construction. Vacancy Rate - The ratio between the number of vacant units and the total number of units in a multi-tenant building or development. Variance - An approved special change in construction codes, zoning requirements, or other property use restrictions. Veterans Administration (VA) - A federal agency which insures mortgage loans with very liberal down payment requirements for honorably discharged veterans and their surviving spouses. Walk-Through - A final inspection of a home before settlement to search for problems that need correction before changing ownership. Warranty - A promise, either written or implied, that the material and workmanship of a product is defect-free and will meet a specified level of performance over a specified 94

period of time. Written warranties on new homes are either backed by insurance companies or by the builders themselves. Weatherization - Modifying a building to reduce energy loss, e.g., adding insulation or installing storm windows. Working Capital - The excess of current assets over current liabilities. Write-Down - In low-income housing development, it generally means an up-front subsidy provided by a government agency or other owner of property that reduces the asking price of a property to make it affordable to low-income people. Youthbuild Program - A federal program that provides resources to educate, train, and provide stipends for economically disadvantaged young adults to construct and rehabilitate housing for low-income and homeless persons. Zero Lot Line - A system of subdividing that permits building on lot lines, e.g., row houses. Zoning - A division of a city into districts to control land use, i.e., residential, commercial or industrial. Zoning Variance - A deviation from the zoning ordinance that is supposedly granted because strict enforcement would result in undue hardship on a property owner. 95

ACRONYM INDEX AAA - Area Agency on Aging AAHSA - American Association of Homes and Services for the Aging AARP - American Association of Retired Persons ACBM - Asbestos Containing Building Material ACM - Asbestos Containing Material ACS - Air Conveyance System and Abnormal Chemical Sensitivity ACWM - Asbestos Containing Waste Material ADA Americans with Disabilities Act ADU Accessory Dwelling Unit AFDC - Aid to Families with Dependent Children (Cf. TANF) AFR Applicable Federal Rate AHERA - Asbestos Hazard Emergency Response Act AHP - Affordable Housing Program AHS - American Housing Survey AI - Analysis of Impediments (to fair housing) AIA - American Institute of Architects AIA - Asbestos Information Association AMI Area Median Income AOA - Administration on Aging APR - Annual Performance Report (Annual Progress Report for homeless programs) ARM - Adjustable Rate Mortgage ASHA - American Seniors Housing Association ASHRAE - American Society of Heating, Refrigeration & Air-Conditioning Engineers BID - Business Improvement District BMIR - Below-Market Interest Rate BR - Bedroom BTU - British Thermal Unit CADI - Community Access for Disabled Individuals CAP - Community Action Program agency CBDO - Community Based Development Organization CCD - Consortium for Citizens with Disabilities CDBG - Community Development Block Grant CDE Community Development Entity CDFI - Community Development Financial Institution CFP - Certificate of Family Participation CFR Code of Federal Regulations CHAP - Comprehensive Homeless Assistance Plan CHAS - Comprehensive Housing Affordability Strategy CHDO Community Housing Development Organization CHSP - Congregate Housing Services Program CIL - Center for Independent Living CM - Case Management CMHI - Cooperative Management Housing Insurance Fund CON - Certificate of Need 96

CPD - Community Planning and Development (HUD Office of) CR - Contract Rent CRA - Civil Rights Act of 1964; 1991 CRA - Community Reinvestment Act CRI - Community Resources for Independence, Inc. CSBG - Community Services Block Grant CWIP - Construction Work in Progress DCA - Department of Community Affairs DD - Development Disability DHHS - Deaf and Hard of Hearing Services DHS - Department of Human Services DIMENET - Disabled Individuals Movement for Equality Network DPL - Deferred Payment Loan ECHO - Elder Cottage Housing Opportunity ECOA - Equal Credit Opportunity Act EFAP - Emergency Food Assistance Program EFSP - Emergency Food and Shelter Program EFTA - Electronic Funds Transfer Act ELIHPA - Emergency Low Income Housing Preservation Act of 1987 EOHP - Equal Opportunity Housing Program ESG - Emergency Shelter Grant Fannie Mae - Federal National Mortgage Association FDIC - Federal Deposit Insurance Corporation FEMA - Federal Emergency Management Administration FF&E - Furniture, Fixtures and Equipment FFB - Federal Finance Bank FHA - Federal Housing Administration FHAP - Fair Housing Assistance Program FHAP - Fair Housing Assistance Program (FHEO program) FHEFSSA - Federal Housing Enterprises Financial Safety and Soundness Act of 1992 FHEO - Fair Housing and Equal Opportunity (HUD Office of) FHFB - Federal Housing Finance Board FHIP - Fair Housing Initiatives Program (FHEO program) FHLB - Federal Home Loan Bank FHLBS - Federal Home Loan Bank System FHLMC - Federal Home Loan Mortgage Corporation (Freddie Mac) FIRE - Fire, Insurance, and Real Estate FIRREA - Financial Institutions Reform, Recovery and Enforcement Act of 1989 FmHA - Farmer s Home Administration FMR - Fair market rent (maximum rent for Section 8 rental assistance) FMV - Fair market value FNMA - Federal National Mortgage Association (Fannie Mae) FOI - Freedom of Information FSS - Family Self Sufficiency program FSSA - Family and Social Services Administration FY - Fiscal year 97

FYE - Fiscal Year End GFC - Gross Family Contribution GFCI - Ground Fault Circuit Interrupter Ginnie Mae - Government National Mortgage Association GLBA - Gramm-Leach-Bliley Act GNMA - Government National Mortgage Association (Ginnie Mae) GR - Gross Rent GRH - Group Residential Housing GSE - Government-sponsored enterprises (Fannie Mae and Freddie Mac) HA - Housing Authority HANDS - Housing And Neighborhood Development Service HAP - Housing Assistance Payment HC - Home Care HCDA - Housing and Community Development Amendments of 1981 HCF - Housing Certificate Fund HF - House File HFA - Housing Finance Agency HHS - Health and Human Services (U.S. Department of) HMDA - Home Mortgage Disclosure Act HMS - Housing Management Specialist (in a HUD field office) HOC - Homeownership Center HOC/DPA - Homeownership Counseling/Down Payment Assistance HOME - Home Investment Partnerships HOPE - Homeownership and Opportunity for People Everywhere HOPE I - HOPE for Public and Indian Housing Homeownership HOPE II - HOPE for Homeownership of Multifamily Units HOPE III - HOPE for Homeownership of Single Family Homes HOPE VI - Revitalization of Severely Distressed Public Housing HOPWA - Housing Opportunities for Persons with AIDS HQS - Housing Quality Standards HUD - Department of Housing and Urban Development HUDCAPS HUD Central Accounting Processing System HURRA - Housing and Urban/Recovery Act of 1983 HV - Housing Voucher HVAC - Heating, Ventilating, and Air Conditioning HWS - Housing with Services IAQ - Indoor Air Quality ICF - Intermediate Care Facility ICF/MR - Intermediate Care Facility for Mentally Retarded ICF/ORC - Intermediate Care Facility for Persons with Other Related Conditions IEQ - Indoor Environmental Quality IGR - Independent Group Residence IHA - Indian Housing Authority IHBG - Indian Housing Block Grant IICRC - Institute of Inspection, Cleaning and Restoration Certification IIP - Initial Implementation Period 98

ILRP - Independent Living Rehabilitation Program ILS - Independent Living Skills IND - Independent Care Facility IPS - Initial Payment Standard (applies to the Housing Voucher Program) IRP - Interest Reduction Payment IRP - Intermediary Re-lending Program (of the U.S. Department of Agriculture) LBP - Lead Based Paint LBPPPA - Lead Based Paint Poison Prevention Act LCCA - Lead Contamination Control Act LIBOR - London Interbank Offering Rate LIHPRHA - Low Income Housing Preservation and Resident Homeownership Act LIHTC -Low Income Housing Tax Credit LIHTF - Low Income Housing Trust Fund LKQ - Like, Kind and Quality LMI - Low and moderate income LMSA - Loan Management Set Aside Program LOC - Letter of Credit LTV - Loan-to-value M2M - Mark to Market MAHRAA - Multifamily Assisted Housing Reform and Affordability Act of 1997 MLIS - Mortgage Lending Information System MMIF - Mutual Mortgage Insurance Fund MRB - Mortgage Revenue Bonds MSA - Metropolitan Statistical Area (established by the U.S. Census Bureau) MTCS - Multifamily Tenant Characteristics System MU2M - Mark Up To Market NAA - Neighborhood Assistance Act NAHA - National Affordable Housing Act NAHA - National Affordable Housing Act of 1990 (Cranston-Gonzalez) NAHASDA - Native American Housing Assistance Self-Determination Act NAHBG - Native American Housing Block Grant NARIC - National Rehabilitation Information Center NC - New construction NCAL - National Center for Assisted Living NCIL - National Council on Independent Living NCSBCS - National Conference of States on Building Codes and Standards NegReg - Negotiated Rulemaking NHTF - National Housing Trust Fund NIA - National Institute on Aging NIMBY - Not In My Backyard NOFA - Notice of Funds Availability NPO - Nonprofit Organization OFHEO - Office of Federal Housing Enterprise Oversight (HUD) OFTO - Over Fair Market Rent Tenancy Option OGC - (HUD) Office of General Counsel OLHC - (HUD) Office of Healthy Homes and Lead Hazard Control 99

OMB - U.S. Office of Management and Budget OMHAR - HUD Office of Multifamily Housing Assistance Restructuring OMHAR - Office of Multifamily Housing Assistance Restructuring OOR - Owner-occupied rehabilitation PATH - Partnership for Advancing Technology in Housing PB - Lead PC - Freddie Mac Mortgage Participation Certificate PD&R - Policy Development and Research (HUD Office of) PHA - Public Housing Agency (or Authority) PHAS - Public Housing Assessment System PHDEP - Public Housing Drug Enforcement Program PHMAP - Public Housing Management Assessment Program PIH - Public and Indian Housing (HUD Office of) PILOT - Payment In Lieu of Taxes PITI - Principal, interest, taxes, and insurance PJs - Participating Jurisdictions (in HOME program) PMI - Private Mortgage Insurance PMSA - A Primary Metropolitan Statistical Area established by the U. S. Census Bureau PPB - Parts Per Billion PPM - Parts Per Million PS - Payment Standard PUD - Planned Unit Development QHWRA - Quality Housing and Work Responsibility Act of 1998 RA - Repayment Agreement RAB - Resident Advisory Board RACM - Regulated Asbestos Containing Material RAD - Regional (HUD) Accounting Division RAP - Rental Assistance Payments REAC - Real Estate Assessment Center REAP - Resource Estimation and Allocation Process RECS - Residential Energy Consumption Survey REIT - Real Estate Investment Trust REMIC - Real Estate Mortgage Investment Conduit REMS - Real Estate Management System REO - Real Estate Owned RESNA - Rehabilitation Engineering Society of North America RFP - Request for Proposals RFQ - Request for Qualifications RFTA Request for Tenancy Approval RHS - Rural Housing Service (of the U.S. Department of Agriculture) RHTC - Rental Housing Tax Credits RIGI - Regional Inspector General for Investigation ROSS - Resident Opportunity and Self-Sufficiency ROSS - Resident Opportunity and Supportive Services RRP - Rental Rehabilitation Program RSA - Rehabilitation Services Administration 100

RTA - Request for Tenancy Approval S+C - Shelter Plus Care SAFAH Supplemental Assistance for Facilities that Assist the Homeless. Sallie Mae - Student Loan Marketing Association SEMAP - Section 8 Management Assessment Program SHP - Supportive Housing Program SHPO - State Historic Preservation SL - Supervised Living SRI - Special Risk Insurance Fund (of FHA) SRO - Single room occupancy SuperNOFA - Notice of Funds Availability (issued by HUD) TANF - Temporary Assistance for Needy Families TBRA - Tenant-Based Rental Assistance TDHE - Tribally Designated Housing Entity TDHEs - Tribally Designated Housing Entities TLI - Targeted Lending Initiative (of Ginnie Mae) TOP - Tenant Opportunity Program TR - Total Tenant Payment TRO Tenant Rent to Owner TTP - Total tenant payment (equivalent to rent in public housing) UA - Utility Allowance URA - Uniform Relocation Act URP - Utility Reimbursement Payment VA - Veterans Affairs (U.S. Department of) VOR - Voice Of the Retarded 101

INDEX Alden State Bank... 10 American Red Cross... 10 Amherst Department of Planning & Community Development, Town of... 10 Asbury Shalom Zone... 11 Bank of Akron... 11 Bank of Holland... 11 Belmont Shelter Corp... 11 Benedict House of WNY, Inc... 12 Bethel CDC... 12 Better Business Bureau Dispute Settlement Center... 12 Black Rock-Riverside NHS... 13 Broadway-Fillmore NHS... 13 Buffalo City Office of Strategic Planning... 14 Buffalo Fire Department FCU... 13 Buffalo Metropolitan FCU... 13 Buffalo Municipal Housing Authority... 14 Buffalo Postal Community FCU... 14 Buffalo Service CU... 14 Catholic Charities of Buffalo... 14 Cattaraugus County Bank... 15 Center City Neighborhood Dev. Corp... 15 Charter One Bank... 15 Chautauqua Home Rehabilitation & Improvement Corporation... 16 Chautauqua Opportunities Incorporated... 16 Citibank... 16 Citizens' Alliance, Inc... 17 City Mission... 17 Claddagh Commission, Inc... 17 Community Action Organization... 17 Compass House Resource Center... 18 Core Area Preservation Company, Inc. (The)...18 Delta Development of WNY... 18 Ellicott District Community Development Corp... 19 Erie County Department of Environment & Planning...19 Erie County Fair Housing Partnership, Inc... 19 Evans National Bank... 19 Fillmore Leroy Area Residents (FLARE)... 20 First Niagara Bank... 20 Fleet National Bank... 20 Greater Buffalo Savings Bank... 21 Habitat for Humanity Buffalo... 21 Heart of the City Neighborhoods, Inc... 21 HELP Buffalo... 21 Hispanics United Buffalo... 22 Home Front (Buffalo)... 22 Homespace Corp.... 22 Housing Opportunities Made Equal (Home)... 23 Housing Options Made Easy, Inc.... 23 HSBC Bank USA... 23 HUD (See U.S. Department of Housing & Urban Development)...34 International League of Muslim Women, Inc... 24 International Marketplace... 24 Jamestown Savings Bank... 24 102

JP Morgan Chase... 24 Kenmore Housing Authority... 25 Kensington-Bailey NHS... 25 KeyBank National Association... 25 Lackawanna Community Development Corporation... 26 Lackawanna Municipal Housing Authority... 26 Lake Shore Behavioral Health Homeless Services Program...26 Lovejoy N.R.S... 26 Lt. Col. Matt Urban Human Services Center of WNY... 27 M&T Bank... 27 Native American Community Services of Erie and Niagara County... 27 Neighborhood Legal Services... 28 NHS Black Rock-Riverside NHS... 13 Broadway-Fillmore NHS... 13 Kensington-Bailey NHS... 25 NHS of South Buffalo, Inc... 27 Niagara Falls NHS... 29 West Side NHS... 34 NHS of South Buffalo, Inc... 28 Niagara Community Action Program... 28 Niagara Falls Housing Authority... 28 Niagara Falls NHS... 29 North Buffalo Community Development Corporation... 29 North Tonawanda Community Development Office, City of... 29 Old First Ward Community Center... 29 People Inc... 30 Polish Community Center of Buffalo, Inc... 30 Rebuilding Together of Greater Buffalo... 30 Rental Assistance Corp... 31 Rural Revitalization Corporation... 31 Salvation Army - Buffalo... 31 Seventy-Eight Restoration Corp... 32 Southtowns Rural Preservation Company, Inc.... 32 State of New York Mortgage Agency... 32 Supportive Services Corporation... 32 Tonawanda City Housing Authority... 33 Tonawanda Community Development Agency, City of... 33 Transitional Services Inc.... 33 U.S. Department of Housing & Urban Development... 34 University Heights CDA, Inc... 34 Urban League of Buffalo... 34 West Side NHS... 34 Western New York Veterans Housing Coalition... 35 Women for Human Rights and Dignity, Inc.... 35 YWCA Residence... 35 103