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| Housing Assistance Services
assists income-eligible families throughout Jefferson and Lewis Counties to
obtain decent, safe, affordable housing through variety of programs and
services: |
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Rental Subsidies |
Project Based |
Family
Self-Sufficiency |
Home Ownership |
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Rental Subsidies
Rental subsidies
are provided through Section 8 vouchers. The subsidies provide the
means for low income families, the elderly and disabled to obtain decent,
safe, affordable housing.
Eligibility to participate is based on family size,
income, and other guidelines. Units must also pass a Housing Quality Standard Inspection and
both parties (landlord and tenant) must be in agreement to participate by their willingness to
sign into a contract and lease. A voucher can be used to rent an
apartment, single home, mobile home, or a mobile home lot.
Income guidelines are based on gross income. The
following information is presented for informational purposes; additional
income-related and other guidelines will apply which can be explained over the phone or at your
appointment.
These income levels
are effective as of 12/11/12 for both Jefferson and Lewis Counties (subject to change without notice). |
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30% Median
Income (in $) |
Low-Income (in $) |
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| 1 Person |
12,150 |
20,200 |
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| 2 Person |
13,850 |
23,100 |
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| 3 Person |
15,600 |
26,000 |
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| 4 Person |
17,300 |
28,850 |
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| 5 Person |
18,700 |
31,200 |
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| 6 Person |
20,100 |
33,500 |
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| 7 Person |
21,500 |
35,800 |
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| 8 Person |
22,850 |
38,100 |
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To learn more about
Opportunities' Housing Assistance Services:
- In Lewis County, please call Opportunities' Main Office
at (315) 376-8202, extension 3.
- In Jefferson County, please call Opportunities' Housing
Assistance Office at (315) 788-0193.
You can also
download our pre-application
(requires Acrobat Reader 9 or higher) and print out, complete, and mail to:
- If you are applying through our Lewis County program:
Housing Assistance Program
Lewis County Opportunities, Inc.
8265 State Route 812
Lowville, NY 13367
- If you are applying through our Jefferson County
program:
Housing Assistance Program
749 LeRay Street
Watertown, NY 13601
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Project Based |
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| This program permits local Administrators to
assign up to 15% of their Section 8 Certificates for either newly
constructed or rehabilitated units. |
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Family Self Sufficiency |
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In
the pictures above, Housing Specialist Lisa Wackernagel
congratulates Sarah Doherty, (pictured at left), Holly Vulgamore (pictured at
center) and Mariane Gemayel
(pictured at right) on achieving their goals through Opportunities' Family
Self-Sufficiency Services. All three participants received a check for the
accumulated dollar amount in their escrow accounts after graduating from the
program. |
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Opportunities'
Family Self-Sufficiency Services helps families receiving Section 8 rental
assistance to achieve economic independence and self-reliance through
education and job training. This program motivates and
helps participating individuals to: |
- Identify their career goals;
- Identify the barriers which could prevent achievement
of their goals;
- Identify resources and services necessary for
participants success;
- Develop a plan to achieve specific goals and
objectives necessary for self-sufficiency and economic independence;
- Obtain support services related to their plan;
- Receive case management services, encouragement and
moral support as they work toward reaching their goals
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| An Escrow account is
held for the participant from the increased rental charges that a family
pays as its earnings rise. Families that complete the program may withdraw
funds from these accounts for any purpose after five years. |
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| Success
Stories |
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Sara Doherty set goals to return to school, earn her LPN licensure,
and obtain more reliable transportation. As a single mother of two children
and working to support her family, Sarah knew it would take a lot of hard
work to reach her goals. With her determination, she was able to earn her
LPN licensure which then led to a higher paying job. She also was able to
obtain a vehicle loan for a new and reliable vehicle. During this time,
Sarah's escrow account grew to nearly $5,000, which she received upon her
completion of the program. In her words, “It’s amazing what you can
do when you set your mind to it".
Holly Volgamore was working as a clerk at a local convenience store.
She knew she one day wanted to work as a Licensed Practical Nurse.
Holly also expressed a desire to obtain her driver's license and to improve
her budgeting skills to better help make ends meet. With a lot of hard
work, and trails and changes along the way, Holly was able to chart her own
course to eventually achieve all of her goals. She graduated from a
two-year LPN program, then went on to pass the New York State Board
exams. She also became a certified Emergency Medical Technician, and
was hired as an LPN by a local employer.
Mariane Gemayel set goals for herself including improving her financial skills, having more
reliable transportation, furthering her education, and obtaining more secure
employment. Her final goal was to purchase her own home. Over
the next two years, Mariane demonstrated her commitment to achieving these
goals. She participated in a money makeover program sponsored by her
church, and eventually secured reliable transportation in obtaining her
own vehicle. She completed a course in theological and ministerial
areas and was commissioned a lay minister by the Catholic Church. She
was then hired as a lay minister by her church, accomplishing her stated
goal of obtaining more secure employment. In time, Mariane
accomplished her final goal of owning her own home, through her
participating in Opportunities' Home Ownership Services
(see story below). |
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To learn more about
Opportunities' Family Self-Sufficiency Services, or any of our housing
services:
- In Lewis County, please call Opportunities' Main Office
at (315) 376-8202.
- In Jefferson County, please call Opportunities' Housing
Assistance Office at (315) 788-0193.
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Home
Ownership Services helps families reach "American Dream" |
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As
Housing Assistance/Homeownership Coordinators, Teresa Johnson and Karen
Galasso serve as contacts for Opportunities’ Homeownership Services
in Jefferson and Lewis Counties. |
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When Kathy and Dudley
first became interested in becoming Homeowners they knew they faced several
barriers. Dudley was working part time and Kathy was receiving disability
income. Having past credit issues, they knew they would have to work hard to
become Homeowners. Once the credit issues were resolved, both were amazed
when they received the letter from USDA Rural Development stating they had
been approved for a mortgage.
Dudley admits there were times throughout the process where it was easy to
become frustrated and that he would have liked to back out, but Kathy kept
pushing forward. "We had always wanted to be homeowners, since we were
old enough to be out on our own” said Kathy. With the support of
family, friends, and involved agencies, she was confident that it would all
work out.

Kathy and Dudley do not believe they would have been able to become
homeowners without the help of the Homeownership Option subsidy administered
by Opportunities’ Housing Assistance Program, and the $35,000 Community
Development Block Grant they received from
Snow Belt Housing
company, Inc. With the help of this grant money, which could be
used for down payment, closing costs and repairs (if needed) they were able
to buy a more expensive home particularly because their home only needed
minimal repairs, leaving the bulk of their grant dollars to be used for the
down payment and closing costs.
Kathy and Dudley admit that some of the “legal stuff” was somewhat
intimidating and without legal aid services readily available locally, and
with no money to hire an attorney, they really needed to put their trust in
the agencies with which they were working.
Over time, Kathy and Dudley followed through with their program obligations
of becoming a homeowner. Even with transportation barriers, they were still
able to take the required Homeownership Counseling course, which was only
available in a neighboring county approximately 40 miles away..
At their closing interview, Kathy beamed and stated, “We’re not even paying
out as much as we were when we were renters”. They would like everyone to
know that even with some barriers and limited income, if a person is willing
to work hard and follow through, they too can be a homeowner.
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Mariane
Gemayel is very happy with her new home. With her hard work and some
help from Opportunities’
Home Ownership Services and other community resources, she achieved her
longtime dream of owning her own home this past winter.
Mariane
is a single mother who works two jobs in order to make ends meet. As a
person who had received rental assistance through Opportunities’ Housing
Assistance program since 1996, she decided to participate in the agency’s
Homeownership program, and became the first homeowner under the program.
Opportunities offers the program in both Jefferson and Lewis Counties, with
employees acting as liaisons to inform
prospective participants about how the service works.
In
short, Home Owner Services provides an incentive for low income
families to purchase a home of their own by paying a portion of the
participant’s monthly mortgage payments for up to 15 years of the loan.
The payments are based on the income level of the family, with utilities,
insurance, maintenance savings, and taxes all considered when calculating
the payments. Special eligibility waivers provide further incentives to
individuals with disabilities.
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Mariane Gemayel stands in front of her new home. She
became the first homeowner under Opportunities’ Homeownership
program. |
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According to program workers, participants
can expect
some hard work ahead, but the rewards can be certainly worth it. When an
applicant first comes in, program workers try to be realistic about the
service. For instance, if the applicant meets the eligibility
criteria, program workers explain the importance of having enough money to cover
start-up costs the participant will be responsible for. Typically this
involves about $1,000, but it can vary from situation to situation.
Start
up costs generally include a down payment, an independent inspection by a
professional to determine if the house is up to code, and subsequent repairs
to bring the home up to code. Closing costs and insurance premiums are
other common costs a person needs to prepare for ahead of time. Each person is also responsible to secure his or her own
funding from a lender. Program workers help out by providing information on some
options, but it is the person's responsibility to shop around and meet with
the different lenders.
There are some resources in the community that
might be able to help with some of the start up costs, which is perfectly
acceptable as part of the Homeownership program. Program workers can
assist by providing this information.
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| About the
Homeownership Program |
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| Home
Ownership Services is
designed to help low income families purchase a home of their own and
receive assistance in paying the mortgage payment up to 15 years of the
loan. The payments are based on the income of the families. The utilities,
insurance, maintenance savings, and taxes are all considerations when
calculating the payments. The home must be a single family home. It can be
located anywhere in Jefferson or Lewis Counties and there are several
organizations and financial institutions that have programs that can combine
with this service. |
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To learn more about
Home Ownership Services, or any of our housing
services:
- In Lewis County, please call Opportunities' Main Office
at (315) 376-8202, extension 3.
- In Jefferson County, please call Opportunities' Housing
Assistance Office at (315) 788-0193.
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Housing Services pumps millions of dollars
annually into
Jefferson-Lewis economy |
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In 2012... |
Jefferson County |
Lewis
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Rental Vouchers to landlords through ‘Housing Choice Vouchers’ |
$ 5.3 million |
$ 1.5 million |
$ 6.8 million |
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Copyright © 2003-2013 Lewis County Opportunities,
Inc.
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