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The Housing Assistance Program of Essex County (HAPEC) is a non-profit organization that exists for the sole purpose of assisting Essex County residents in a variety of ways. We are not here to sell you a product. This web site is here to assist, educate and provide you with useful information.

Our Programs

Mortgage Default Counseling

Whether you are in default, foreclosure, or simply feel your mortgage payment is unaffordable, HAPEC can help. Our counselor will advise, guide, and assist you in working with your mortgage company by:

  • Assessing your particular situation
  • Performing a budget and credit analysis
  • Communicating with your mortgage holder
  • Reviewing possible options
  • Preparing and submitting loss mitigation applications
  • Assisting in filing complaints, when appropriate
  • Explaining NYS’s foreclosure process
  • Attending judicial hearings, if needed

Created as part of the New York State Attorney General’s Homeowner Protection Program (HOPP)

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Section 8 Housing Choice Voucher Program

The Section 8 Housing Choice Voucher Program helps very low income tenants by providing direct monthly rental assistance payments to the landlord on behalf of the tenant(s). The tenant’s contribution to housing cost is based on the family income and is at least 30% but not more than 40% of monthly adjusted income.

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Home Repair Program

The Housing Assistance Program of Essex County has assisted communities and property owners with housing repairs since 1984. More than 1,100 housing units have been renovated, using over $21 million in grant money from both federal and state sources. Housing rehabilitation programs in the county are funded annually, and vary in scope and location from year to year.

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Home Buying Assistance

Under this program you may receive funds to make a home affordable to your family. Subsidy is based on a case by case basis. These funds can be used to reduce the mortgage principal so monthly mortgage payments are affordable, pay reasonable closing costs, provide assistance to correct limited code or structural deficiencies when funds allow it, or address Lead Based Paint concerns.

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Multi-Family Housing

Through the use of state and federal assistance, HAPEC has been quite successful with the financing and development of multi-family housing projects including those for senior citizens. Upon request, HAPEC will assist your community in securing financing and developing similar affordable housing.

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Home Counseling Services

The Housing Assistance Program of Essex County, Inc. is a HUD Certified Housing Counseling Agency providing comprehensive housing counseling services to Essex County residents free of charge, including counseling and form submission assistance.

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Housing Services Directory

Now available – the Essex County Housing Services 2017 Directory. This pdf lists Essex County agencies, counseling, rental assistance, assisted living facilities, home repair, energy assistance, tax exemptions, and more.

Download the Directory (pdf)