Pre-Purchase Counseling

Cortland Housing Assistance

Who qualifies for this housing counseling?

Any first-time home buyer regardless of race, creed, national origin, color, sex, social position, or income level, may schedule an appointment with a counselor. Call the office at 607-753-8271 to schedule an appointment. A small fee will be charged.

The following topics will be discussed during the pre-purchase counseling session:

• Financial analysis to determine affordability
• Working with a realtor
• Pre-qualification with a lender
• Negotiating the purchase price
• The benefits of a home inspection
• Shopping for a mortgage and comparing mortgage rates and products
• What is included in closing costs
• Taxes and insurance Housing carrying costs
• Avoiding mortgage default and foreclosure
• Preventative maintenance
• Moving expenses
• The role of an attorney in the home buying process
• Fair Housing Laws

Contact Us: [email protected]