First Time Homebuyer Program – One-on-One Counseling

One of our NeighborWorks® certified homeownership counselors will serve as your coach throughout your home purchase process and will provide you with:

  1. A personalized Credit and Budget Analysis – The counselor assesses your financial profile including employment history, credit history and assets.
  2. A personalized Affordability Analysis – The counselor considers income, assets and financial obligations to determine your readiness to purchase.
  3. A personalized Action Plan – The counselor provides you with guidance in the homebuyer process.

When you are ready to shop for a mortgage, your counselor will help you access the most competitive quotes, compare the mortgage offers and apply for downpayment and closing cost assistance.

Once you have completed your action plan and graduated from the Homebuyer Education course, your counselor will certify you as a “mortgage ready” borrower. This certificate will qualify you for downpayment and closing cost assistance through NHSNYC, as well as the best mortgage deals from our partner banks.