726 W. Broadway Fulton, NY 13069
315-625-4520
Mission Statement
The Oswego Housing Development Council is a private. non-profit organization serving low income Oswego County residents and governed by a community based board to provide a range of housing choices to the low income, homeless or those in need of housing by developing, building, (renovating), providing seed money, acting as an administrator or manager, and forging partnerships with social service providers, contractors, real estate sellers, and local government to ensure needs are met.
​OHDC seeks to develop affordable housing opportunities for low income residents of Oswego County. OHDC will accomplish this goal by identify and developing housing resources in partnership with local municipalities and providing counseling services to homeowners and prospective home-buyers.
OHDC seeks to ensure safe and sanitary affordable housing for very low to moderate income persons through the development and rehabilitation of housing. The Council shall serve those areas which demonstrate the greatest need and will try to provide home-ownership opportunities wherever possible.
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FAQ'S
Q: Do I have to get a Home Inspection when I buy a house?
A: If you are purchasing a house using funds from our grant , you are required by NYSHCR to get a Certified Home Inspection. If you are not using our funds to purchase your home, it is your choice BUT, it is highly recommended that you do get an inspection, to protect your investment, and to make sure your home is in good condition.
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Q: What does my credit score have to be, before I can take out a mortgage?
A: This depends on what type of loan you are applying for. For instance, with an FHA loan, your score typically can be as low as 580. With a conventional loan, banks and lenders are looking for a score of at least 640. The higher your score is, the lower your interest rates will be.
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Q: How much can I afford to spend on a mortgage payment?
A: Typically you do not want to spend more than 25% of your monthly income (take home pay). Most mortgage payments include your insurance and taxes as well as your principle and interest (PITI). Sometimes buyers are shocked the first time they see their statement. So when looking at your Closing Disclosure, look at the total, and not just the Principle.
Please feel free to email or call us here at OHDC with any other questions. We will
do our best to help you.
Office: 315-625-4520
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MAKING AN IMPACT
Serving all of Oswego County
FIRST TIME HOMBUYER'S PROGRAM
GRANT FUNDING
Oswego Housing Development Council is excited to announce we will be receiving the NYS HOME Local Program award. This award is for First Time Homebuyers. We assist with up to $10,000 towards the down payment and up to $5000 towards closing costs. For more information please reach out to Tina, the Housing Counselor, at tina_ohdc@yahoo.com. For our application and Terms and Conditions please look under The First Time Homebuyers Program Tab.
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Looking for further assistance
PROGRAMS
Making A Difference
FIRST TIME HOMEBUYERS PROGRAM
OHDC’s Homebuyer Assistance Programs provide grants to eligible first-time homebuyers for down payment, closing costs. To participate an applicant must be income eligible, looking to purchase a home in the Oswego County area and have the ability to obtain a mortgage loan. The applicant will also be required to attend OHDC’s homebuyer education curriculum. For a full list of the program's terms and Conditions please see the link below. There is also an application that can be filled out online and emailed directly to the office at oswegohousingdevelopmentcouncil@yahoo.com
HUD FY 202- 2023 INCOME LIMITS
Family Size:
1- $52,300 2-$59,750 3-$67,200 4-$74,650
5-$80,650 6-$86,600
HOME IMPROVEMENT PROGRAM
Housing Improvement Program
OHDC’s Home Improvement Programs provide grants to eligible property owners for necessary repairs to eliminate health and safety hazards in their homes as in roofs, windows, furnaces, etc. The program also offers up accessibility modifications to address the needs of the disabled and/or elderly households. OHDC applies for grants through Federal and State money. To participate in these Programs, the household must meet the income and property eligibility guidelines. The homeowner will also be required to contribute a percentage towards the total rehab cost. There is a lien that may consist of 5-10- year period of the grant that applies. OHDC will discuss further details with homeowner at the time of services.
2021-2022 Income Guidelines Annual income
Family Size:
1- $52,300 2-$59,750 3-$67,200 4-$74,6505-$80,650 6-$86,600
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Please contact our office to see if we have grant funding.
DO YOUR PART BE SEPTIC SMART: Always be cautious of what you're flushing down your toilet. Remember not to flush wipes, paper towels, feminine products etc. Toiler paper ONLY!
Please read:
file:///Users/Ging/Downloads/septicsmart_week_flyer_082415_508-v2.pdf
COMPREHENSIVE COUNSELING
Call for an appointment.
The Oswego Housing Development Council is a certified HUD Housing Counseling Agency in which our trained Housing Counselors provide a wide range of housing counseling services which include home-buyer education, home maintenance education, mortgage default/restructuring counseling, tenancy/fair housing counseling, HECM counseling and financial literacy budget/ debt counseling.
WATERWORKS LANDING
Senior Living Community
2231 County Route 12
Central Square, NY 13036
(315) 437-2178
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For Seniors 55 & over
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Fully equipped kitchens
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Laundry facilities
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Indoor mail delivery
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Elevator service
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Spacious community center
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​ Secured entryway system
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Services Include:
24-Hour emergency services
Heat & hot water Included in rent
Trash & snow removal included
Changing light bulbs
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1 Bedroom Unit 725 sq. ft
2 Bedroom unit 944 Sq. ft
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For more information:
https://www.waterworkslanding.com/
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KEY PEOPLE
Committed to the Cause
MARION NARAMORE
Executive Director
BOARD OF DIRECTORS
Oswego Housing Development Council welcomes new Board Members to join, and meets the 4th Thursday of the month at 5:30 in our office. Please feel free to join, the board is made up of volunteers.
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Directors:
Patrick Waite-President
Tammie Nipper- Vice President
Dennis Merlino- Treasurer
Elizabeth Thompson- Secretary
Paul Baxter
Martin Webster
Dennis Merlino
James Hotchkiss
Christine Ward
Scott Pecoy
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Members:
Donna Scanlon
Russell Patrick
Marion Naramore
CONTACT OSWEGO HOUSING DEVELOPMENT COUNCIL INC
726 W Broadway, Fulton, NY 13069, USA
(315) 625-4520
