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WRO promotes equal, affordable & accessible housing
opportunities for all residents in our region.

Click here to complete our housing intake form,
and then return it to us by email at info@wroinc.org

Senior Housing Assistance

Senior Housing Assistance

Westchester Residential Opportunities (WRO) offers information on accessing senior housing to residents of Westchester County who are age sixty (60) and over. WRO’s Senior Housing Program provides counseling services in either English or Spanish.
WRO’s services are comprised of the following program areas:


The Senior Housing Assistance Program

One of the main functions of WRO’s Senior Housing Program is to guide Westchester seniors through the process of finding subsidized rental apartments. Through cooperating programs, WRO can sometimes assist seniors who are experiencing other difficulties related to securing or keeping housing such as rent arrears, moving expense, security deposit shortfalls, or termination of utility services. The Senior Housing Program also assists seniors in identifying and applying for other legal entitlements for which they may be eligible, but might not be claiming, such as the SNAP Program (that is, food stamps), the Low Income Home Energy Assistance Program (LIHEAP), the Veterans Aid and Attendance Program for Home Care, and many other federal, state, and local benefits.
If you would like a copy of our listings of senior subsidized rental housing and independent and assisted living buildings in Westchester County, please click this button to request on by email:


Reverse Mortgage (also known as Home Equity Conversion Mortgage or HECM) Counseling Program

WRO’s HUD approved HECM Counselors provide counseling for homeowners age 62 or older who may benefit from a Reverse Mortgage (referred to hereafter as a HECM). A HECM allows homeowners to borrow against the accumulated equity in their homes. For seniors who are struggling to live on a fixed income, pay for home improvements, pay for home care, or to pay property taxes, a HECM loan may help you. A WRO counselor can:
  • Provide objective education on the HECM products currently available and other areas to consider such as the potential borrower’s current housing situation, property maintenance and the possible need for future supportive services
  • Describe the process of obtaining a HECM
  • Determine eligibility for a HECM product
  • Provide a list of HECM lenders
For more information on HECMs, please click on the links below to go to The National Council on Aging’s educational booklet about HECMs titled “Using Your Home to Stay at Home.” Available in both English and Spanish versions.
Link to English version
Link to Spanish version
If you have reviewed the educational booklet and are ready to speak with a HECM Counselor about your options, please contact Aviva Lazarus at alazarus@wroinc.org or by phone at 914-428-4507 ext. 303.



Property Tax Foreclosure Counseling

Although there are government programs that help with mortgage default, they don’t assist homeowners in property tax default. WRO is the only housing agency in Westchester that conducts property tax foreclosure counseling. Seniors are more likely to fall into property tax foreclosure than younger homeowners for a variety of reasons, including loss of a spouse, incapacity, or declining income. Many seniors who are behind on taxes don’t realize they could lose their home and all of their equity to property tax foreclosure. WRO offers free property tax foreclosure counseling to seniors, helping senior homeowners negotiate with their local municipalities to remain in their homes and to retain their equity whenever possible. If counseling suggests that the house may no longer be affordable for the homeowner, WRO can guide the senior through the process of selling the home and transitioning into rental housing. Additionally, WRO works with seniors to identify tax exemptions such as Enhanced STAR and the Veteran’s Exemption that they may be eligible for but are not claiming.
For more information on WRO’s Property Tax Foreclosure Counseling Program, please watch the public service announcement below.
If you are ready to speak with a property tax foreclosure counselor about your options, please contact Aviva Lazarus at alazarus@wroinc.org or by phone at 914-428-4507 ext. 303.