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]

Reach Us

Monday - Friday

8 AM - 4 PM

36 Taylor Avenue,
Cortland, NY 13045

(607) 753-8271

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