Pre-purchase/Credit Counseling Programs

The client, along with Arbor Housing and Development's Housing Counselor will:

  • Determine mortgage readiness and the steps needed to become mortgage ready
  • Review income, assets, expenses, and debts
  • Develop a spending and savings plan
  • Determine mortgage carrying capacity for several different mortgage products and which one will best suit the client's needs
  • Review credit report to determine if there are any credit issues that need to be resolved
    • Develop a plan to resolve issues, if needed.
  • Obtain information on first-time homebuyer grant programs and energy efficiency

General information:

  • HUD approved in Chemung, Schuyler and Steuben Counties
  • No fees, no income qualifications
  • To schedule an appointment, contact us at (607) 654-7487 or email