Housing Services

Resources for Renters and Prospective Homeowners

• Resources to Strengthen Financial Confidence
• Information for Renters
• Preparing for Homeownership
• Keeping and Maintaining Your Home
• Fair Housing

These resources are for informational and self-guidance purposes. If you are having a housing emergency or are at risk of loosing housing, contact our Emergency Housing Assistance Program.

Resources to Strengthen Financial Confidence

• Get Your Free Annual Credit Report
• Understanding Your Credit (video)
• Credit Score Basics
• Determining Debt-to-Income Ratio
• Income and Expense Worksheet
• FDIC: Consumer Resource Center 

Information for Renters

Affordable Housing Options

• Academy Arms: Oneonta (Age 62+ and disabled any age, Subsidized)
• Bronner Manor: Richfield Springs (Age 62+ and disabled any age, Subsidized)
• Chase Housing: New Berlin (Age 62+ and disabled any age, Subsidized)
• Cooper Lane Apartments: Cooperstown
• Dietz Street Lofts: Oneonta
• Ford Block: Oneonta
• JGB Properties: Richfield Springs
• Lettis Apartments: Oneonta (Subsidized)
• Mayrose Apartments: Oneonta (Subsidized)
• Milford Family Housing: Milford
• Nader Towers: Oneonta (Senior housing, Subsidized)
• Oneonta Heights: Oneonta (Age 62+ and disabled any age, Subsidized)
• Talbot Apartments: West Winfield (Age 62+ and disabled any age, Subsidized)
• Unadilla Neighborhood Apartments: Unadilla (Age 62+ and disabled any age)
• West Hill Terrace: Edmeston (Age 62+ and disabled any age, Subsidized)
• Wilber Park Apartments: Oneonta

Tenants Rights

• Tenants’ Rights & Responsibilities: A Guide for Renters in Otsego County
• Tenant Protection Act of 2019
• Manufactured Home Tenants' Rights
• Renters/Tenants Rights in New York State

Preparing for Homeownership

• How to Find the Best Mortgage
• Step-by-Step Mortgage Guide: From Application to Closing (English or Espanol)
• How To: Examining Homes (before you buy)
• For Your Protection: Get a Home Inspection (English or Espanol)
• Ten Important Questions to Ask Your Home Inspector (English or Espanol)

Keeping and Maintaining Your Home

• Routine Home Maintenance Checklist
• Guide: Creating a Home Repair Emergency Fund
• Energy Saver Guide
• Foreclosure Delay and Prevention (Legal Aid Society of Mid-NY)

Fair Housing

• Fair Housing Guide
• Watch "Accents", a short public service announcement about housing discrimination.

OFO is a proud member of HomeSmartNY, the leading coalition of homeownership advisors in New York State.

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When accessing our services, if you need assistance due to a language barrier, mobility impairments, visual or hearing impairments, or other disabilities, please let us know in advance so we can provide the necessary accommodation.