• Lease agreement signed by the landlord and tenant or other documentation

• Documentation of risk of homelessness

• Provide budget information to prove financial hardship

• Client must pay at least 30% of gross monthly income toward rent

• Housing unit must pass Habitability Standards Inspection

Home of Your Own (HOYO) PROGRAMS FOR THE DISABLED INFORMATION: HOYO is made available in NYS through OMRDD and OMH.

Applicants must meet thefollowing criteria;
* Be a 1st Time Home Owner
* Have a MH Diagnosis (themself or immediate family member in household)
* Have a credit score of 620 or better / Have no bankruptcy in the last 3 years

We will send out a HOYO application packet to interested individuals. For those who return the application, we review and send back a guideline letter breaking down what the monthly might be based on the information provided in the application (income/debt/amount of loan).

Note: OMH does not verify information in the application or guarantee the loan.

If the applicant wishes to pursue HOYO mortgage referral to the M&T Bank which handles the NYS loans; we require the following:

* Note from a Health care Provider documenting the applicant's MH
Diagnosis (or family member)
* Home Buyer's Education Course Certificate of Completion (available through local Housing Agencies)

Once the paperwork is in order, we make a referral to the regional M&TBank where a loan officer for the bank will initiate the actual loanapplication for a HOYO mortgage.
Please see below for the OMH/OMRDD blurb explaining program details and providing contact information.

Home of Your Own (HOYO) Program: by the State of New York Mortgage Agency (SONYMA).
The Home of Your Own Program (started 1996) - run jointly by SONYMA, through the NYS Office of Mental Retardation and Development Disabilities (OMRDD) and the NYS Office of Mental Health (OMH)—helps people with developmental disabilities or mental illness purchase homes with SONYMA mortgages issued at very favorable terms.

The Home of Your Own Program offers discounted mortgage terms for eligible applicants. Under the program, OMRDD and OMH refer applicant to SONYMA after they complete a homebuyer counseling program. To be eligible, applicants must be first-time homebuyers and have incomes of no more than 80 percent of the area median income in the region where they live. There is also a limit on the purchase price, which varies by location.

The program offers a very low 4.25 percent fixed interest rate on
mortgages of 30 or 40 years, 100 percent financing and reduced closing costs. Closing cost assistance is also available from SONYMA. The program is offered exclusively through M&T Bank, which has agreed to forego or reduce some of its normal closing costs.

The program is available for homes, condos, co-ops and double-wide mobile homes permanently affixed to real property.
For more information on how to apply for the Home of Your Own Program;

Contact: Lucinda Grant-Griffin, director of the HOYO program at OMRDD, at (518) 486-1973 or contact John Donohue OMH at (518) 474-5191.

The following list provides information about low income housing for persons with disabilities throughout Ulster County. In addition to providing contact information for each housing unit, busing information is also included. Keep in mind that not all available pick-up times are listed – only first and last available pickup times during the week. For more detailed bus information (including weekend and holiday schedules), please contact Citibus or UCAT directly. The list has been designed to provide general information about housing and public transit accessibility throughout Ulster County. Housing availability varies widely; contact the Management Offices directly for further information about availability. If you experience problems or have questions, please send an e-mail to ldia@co.ulster.ny.us.

LOW INCOME HOUSING – LATEST INFORMATION
ONLY ONE LEFT!

The Kirkland at Clinton & Main –
**Must be at or below 80% AMI for Family Size
(1) 1 bedroom apartment – Kingston (in the Kirkland)
UA - $63.00 (Geo thermal)
Rent is $800 and should be referred to Theresa A. Walsh or Robyn Tiano for application.
Blair Road Apartments – Must be at or below 50% AMI for Family Size – see chart below
(1) 2 bedroom apartment - Kerhonkson
Tenant pays electric and Hot water is electric
Landlord pays heat – Oil.
Rents will start at $501 and up based on income.
Available immediately.
Jacob Brede Apartments – Must be at or below 50% AMI for Family Size – see chart below
(1) 2 bedroom apartment – Saugerties Village
(Tenant pays all utilities)
Heat and Hot water are natural gas
Rent starts at $578 and up based on income.
Available immediately.

For information, contact:
Theresa A. Walsh
Director of Property Management
Rural Ulster Preservation Company
289 Fair Street
Kingston, New York 12401
email: twalsh@rupco.org
Ph: (845) 339-8715

Housing and Transportation
Ellenville

Housing and Transportation
Kingston

Housing and Transportation
Marlboro/New Paltz/Olive

Housing and Transportation
Rosendale/Saugerties

Housing & Transportation
Shandakan/Woodstock

* * Buses run at varying times through the day. Times given are earliest and latest times the buses will arrive.
** For weekend and holiday schedule, please call Citibus (331-3725; TDD 331-5350) or UCAT (340-3333), or visit the Web at  www.ci.kingston.ny.us/CityGovt/Agencies.html#Citibus for Citibus schedule or www.ulstercountyny.gov/ucat for UCAT schedule.