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BUYER'S GUIDE

The home-buying process can seem complicated, but if you take things step-by-step, you will soon be holding the keys to your own home!

Nine steps to buying a home

Step 1: Figure out how much you can afford

What you can afford depends on your income, credit rating, current monthly expenses, down-payment and the interest rate. The calculators below can help, but it is best to visit a lender to find out for sure.

How much home can you afford?

Buying vs. Renting

Need help with your down-payment and/or closing costs?

Home-buying programs

A housing counselor can help you figure out how to manage and pay off your debt, and start saving for that down-payment!

Step 2: Know your rights

Fair Housing: Equal Opportunity for All - brochure

Real Estate Settlement Procedures Act (RESPA)

Borrower's rights

Predatory lending

GUIDES

Buyer's Guide

Seller's Guide

Mortgage Calculator

Map Quest

Community Data

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NYS Megan's Law Offenders

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