Disaster preparedness information provided by hud
– be prepared – The four steps to preparedness
If your household has been disrupted due to a natural disaster,Please reach out to our office – we can help!
A HUD-approved housing counselor is trained and certified to help people evaluate their housing options. Housingcounselors can help people assess their budgets, calculate what they can afford for housing, and decide whether itis better for them to rent or buy. These counselors also help people struggling with their housing situation to get theirfinances in order, manage their credit, and develop plans to avoid foreclosure. They help people understandfinancial products and avoid scams. These services can be very helpful for households coping with the aftermath ofa disaster.
How can housing counselors help?
After a disaster, a housing counselor can help clients affected by the disaster:
- Address changes in financial circumstances.
- Access resources, including insurance proceeds and government programs.
- Work with their lenders to renegotiate loan terms or enter into forbearance.
- Manage their credit.
- Locate appropriate temporary housing.
- Manage post-disaster repairs.
- Recognize and avoid scams.
What does housing counseling cost?
If the counseling is for mortgage delinquency, default, or homelessness, the service is free. For other types of counseling, there may be a reasonable fee, as long as the cost does not create a financial hardship for the client. Fees are disclosed to the client prior to the start of counseling services.
Albany County Rural Housing Alliance, Inc. – Main Office
Physical Address:
24 Martin Road; Voorheesville, New York 12186
Mailing Address:
PO Box 407, Voorheesville, New York 12186
Telephone: (518) 765-2425 / Fax: (518) 765-9014
NYS TTY/TDD Relay: 7-1-1
Business Hours are Monday through Friday
from 8:30am to 4:00pm.
Staff directory
General Questions, Information,
Home Repair Applications & Intake
(518) 765-2425, extension 2585
acrhaadmin@acrha.org
client Intake
Jack BURKE, intake specialist
(518) 765-2425, EXTENSION 2587
intake@ACRHA.ORG
Foreclosure Prevention Counseling
Brendan Burke, Homeownership Advisor
(518) 765-2425, extension 2589
bburke@acrha.org
Pre-purchase Counseling, Down Payment Assistance Grants
Homebuyer Education & USDA Loan Assistance
Julie Reynolds, Homeownership Advisor
(518) 765-2425, extension 2586
jreynolds@acrha.org
Executive Director
Tracy Gibeau
(518) 765-2425, extension 2588
tgibeau@acrha.org