Rural Housing Opportunities Corporation, Inc. (RHOC) offers housing assistance programs to low-income families and works to develop multi-family affordable housing opportunities. The service area includes Genesee, Orleans, Ontario, Seneca, Wayne and Yates Counties. RHOC is an affiliate corporation of Rural Opportunities, Inc. established to improve housing conditions in the service area. RHOC's mission is to expand housing choices and improve affordability through the creation of new housing, the improvement of existing housing, and the enhancement of housing options for low-income and otherwise disenfranchised residents of rural communities through a variety of financial assistance and asset building strategies. RHOC is governed by a twelve member Board of Directors, seven of whom reside in the service area. RHOC currently provides a variety of services, including homeownership assistance, financial education, housing rehabilitation and energy services and low cost loan or grant assistance to help low-income residents with housing improvement or acquisition. (1.) Homeownership assistance is provided in Genesee, Orleans, Ontario and Wayne Counties. These services include homebuyer education, financial education, credit counseling, mortgage application assistance, and post-purchase counseling and training. Homeownership services are provided by personnel certified in homebuyer counseling and trained in residential mortgage lending. Other financial enhancements may also be available to low-income customers. (2.) Owner occupied housing rehabilitation services are offered in Genesee, Orleans, Ontario and Wayne Counties. (3.) Loans for home energy related improvements are also available to residents throughout the region through a program called Assisted Home Performance. (4.) RHOC provides community development assistance to municipalities through technical assessment of property improvement needs in downtown districts, including mixed use buildings and offers contract operation of publicly funded programs such as NY Main Street and Community Development Block Grant (CDBG) programs. (5.) RHOC also offers affordable rental opportunities for families and seniors in Genesee, Orleans, Wayne and Ontario Counties.