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Home Ownership Services UNHS NeighborWorks®HomeOwnership Center can help you buy your first home or finance needed repairs on your home. The hallmark of our approach is consumer education. Learn More... Mortgage Programs The Homeownership Center, in cooperation with lending partners, has developed many specialized mortgage products for the purchase and rehabilitation of homes throughout Oneida, Herkimer and Madison Counties. Learn More... Community Empowerment Empowerment is the key to community revitalization and organization. The old adage, “if you give a man a fish he eats for a day, but if you teach him how to fish he eats for a lifetime," holds true in empowering residents by teaching them how to effectively make changes in their community. Learn More....  Q & A with Jan Forte, CEO Thank You HomeOwnership Center

News Flash Energy Saving Tips Follow this link for a list of easy ways to save money on your utility bills.  Energy Saving Tips HOC Welcomes New Board Members Three new directors were voted on to the HOC Board of Directors for 2010 - 2011.  Learn more.... Success Stories in Foreclosure Counseling Joe and his wife purchased a home in North Utica in the 1990s. Several years into their mortgage, Joe’s restaurant business began to fail. Learn More.... Foreclosure Facts & Statistics On average, 500 new homeowners are falling 30- to 90-days behind on their mortgage every month in Oneida, Herkimer & Madison Counties. Learn More....

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