For the Homebuyer
Homebuyer Education Class
The first step on the road to home ownership is to attend our nationally accredited Homebuyer Education Class. Taught by NeighborWorks® America certified instructors, the class will teach you everything you need to become a successful homeowner. Budgeting, credit, working with realtors, shopping for a loan, and learning how to maintain a home are just some of the topics covered. After completion, you will be well-prepared to navigate through the homebuying process.
Classes are offered on evenings and Saturdays to accommodate the working public.
Download our intake form and homebuyer education registration form. Both forms must be completed and returned to HOC with payment-in-full to register. Payment must be either by check or money order. Classes fill-up fast, so we recommend that you register as soon as possible.
See our homebuyer education class schedule.
| "This was a great class and I feel more confident now to begin the process of buying my 1st home"...from a recent HBE participant. |
For English as a second language customers, please contact our office for more information.
| Fees | $40 per person /$70 per couple |
|---|---|
| How to Apply | Contact: Victoria Steele |vsteele@unhs.org |Phone: 315.724.4197 |
HomeBuyer Counseling
After successful completion of the Homebuyer Education Class, you will be eligible to work individually with a counselor to develop a personal homeownership plan. We can help you examine your finances, determine price range, establish a savings program and address any credit issues. We can assist you to repair bad credit or demonstrate credit worthiness, so that you can qualify for a mortgage. Our counselors work with you for as long as you need until you achieve your goal of homeownership.
Our counseling services do not stop once you purchase a home. We offer post-purchase counseling specifically designed to provide you with information on home maintenance, home safety, homeowners insurance, budgeting, refinancing, and more.
| Fees | Homebuyer Counseling is FREE. However, there is a per person fee for credit reports. |
|---|---|
| How to Apply | Contact: Victoria Steele |vsteele@unhs.org |Phone: 315.724.4197 |
First Home Club
The HomeOwnership Center partners with several local banks to offer a matched savings program for homeowners in need of down payment and/or closing cost assistance.
The First Home Club* (FHC) matches $4 for every $1 you deposit - up to a maximum of $7,500. There are various savings plans ranging from 10 to 24 months long.
*Note: Customers interested in the First Home Club MUST complete HomeBuyer Education.
| Fees | Free |
|---|---|
| For Information | Contact: Victoria Steele |vsteele@unhs.org |Phone: 315.724.4197 |
Down-Payment Assistance
The HomeOwnership Center has been a long-standing partner with SONYMA to help promote and educate customers about their affordable mortgage products with low down payment requirements and down payment assistance. To learn more about SONYMA and where to find a participating lender, please call The HomeOwnership Center at (315) 724-4197 or visit www.nyhomes.org to learn more.
| Fees | FREE |
|---|---|
| How to Apply | Contact: Victoria Steele |vsteele@unhs.org |Phone: 315.724.4197 |
Copyright 2007 Utica HomeOwnership Center Inc. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed without authorization.