It is the vision of the St. Lawrence County Housing Council, Inc. that every resident of St. Lawrence County should have access to decent and affordable housing in vital and vibrant communities.

SERVICES: Home Ownership Center

The Home Ownership Center delivers the services at the heart of North Country Housing Council’s mission. We believe that homeownership is a central element of the American Dream.

We focus on first-time home buyers and on the rehabilitation of older homes. We have added a new emphasis on foreclosure prevention.

The Home Ownership Center provides assistance to first-time home buyers with low to moderate incomes for the purchase of modest existing single-family homes.

First-time home buyers are those persons who have never owned a home, or had an ownership interest in a residential land contract, life estate, residential cooperative, or condominium. Funding may be available for applicants who have a household income that is at or below 80% of the median county income. Applicants must be able to secure a mortgage with a local bank. They should have a low income to debt ratio and reasonably sound credit history. Participation in our Home Buyer education program is required.

It is an economic reality that St. Lawrence County has the fourth lowest median income in the State of New York. In many cases, people whose homes have been in their families for decades have trouble keeping them in reasonable condition, given the costs of home repair. The Home Ownership Center seeks and administers grants and loan funds to assist families with limited incomes with housing rehabilitation.

While our clients have an exceptionally low rate of foreclosure, there are families in St. Lawrence County which, for a variety of reasons, are in danger of losing their homes. Our Home Ownership Center is participating in a national program of foreclosure prevention.

More About First Time Home Buyer Class

Our First Time Homebuyer Mortgage Partners

Click the topic to learn more about these services:

Foreclosure Prevention       First Time Home Buyer Education        Housing Rehabilitation in Communities


Housing Rehabilitation
Download the Application


First time Home buyer CLASS

Forms & Schedule

19 Main Street

Canton, NY 13617


Phone: 315-386-8576

Fax: 315-386-1564

Monday - Thursday 8am to 4pm
Friday - Closed

The North Country Housing Council is a non-profit organization that exists for the sole purpose of assisting St. Lawrence County residents in a variety of ways. We are not here to sell a product. This website is here to assist, educate and provide you with useful information.

© St. Lawrence County Housing Council, Inc. DBA North Country Housing Council