Office for People With Developmental Disabilities

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Home of Your Own (HOYO) Program

A HUD-Approved Housing Counseling Program

HOYO is open to income-eligible people with developmental disabilities and mental illness, and their parents or legal guardians. The program offers a wide range of supports, including information on low-interest mortgages, as well as homeownership counseling and training programs.

OPWDD partnered with the Housing Finance Agency (HFA)/State of New York Mortgage Agency (SONYMA) to offer HOYO. Through the HOYO program, HFA/SONYMA offers a 4 percent, 30- or 40- year fixed rate mortgage to eligible participants. M&T Bank is the loan originator for the program.

The Office of Housing Initiatives and Supports is committed to men, women, and families interested in living more independently through achieving homeownership. The office is available to assist existing and prospective homeowners with what can be a daunting process, whether through credit and budget counseling, pre-homeownership education and counseling, or just “dotting the I’s and crossing the T’s.”

If you are interested in learning more about the HOYO program, contact the Office of Housing Initiatives and Supports at (518) 473-1973 or at to request an information package and preliminary application. You may also download applications on our forms page.