A first time homebuyer is anyone who has not owned a home within the 
past three years.  If you owned your own home more than three years ago, 
but have been renting since then, you are considered a first-time homebuyer. 
You are also considered a first time homebuyer if you owned a home with 
a former spouse but are now planning to buy a home yourself 
or if your prior home was a mobil home not attached to a permanent foundation.

CHRIC's HUD-certified mortgage counselors can help you with budget 
management so that you are ready to purchase and maintain a home, 
help you review your credit and try to resolve problems that may appear on your 
credit report that could prevent you from securing a mortgage, and 
introduce buyers to lenders, realtors, and attorneys.
Homeownership Classes are offered in both English and Spanish. 

In some cases, there may be financial assistance available to individuals 
who complete the Homeownership Classes to assist with down payment and closing costs. 
For details on the availability of financial assistance, please contact 
Mayra Alvarado at 753-4650, 661-7650, 363-4650. 

Homeownership Classes are open to all homebuyers in Chautauqua County. 
To sign up for Homeownership Classes, 
call 753-4650, 661-7650, 363-4650.

CHRIC's Homeownership Counseling Program can provide 
advice on foreclosure prevention, buying a home, renting,
credit issues, and reverse mortgages.

As a HUD approved Housing Couseling Agency, CHRIC provides
- Mortgage Delinquency and Default Resolution Counseling
- Money Debt Management Counseling
- Postpurchase Counseling
- Home Equity Conversion Mortgage Counseling
- Home Improvement and Rehabilitation Counseling
- Homebuyer Education Programs
- Loss Mitigation
- Mobility and Relocation Counseling
- Predatory Lending Prevention
-Fair Housing Assistance

For more information or to request assistance, please call
753-4650, 661-7650, 363-4650 

Para ayuda en Espanol, llame a Mayra Alvarado a 
753-4650, 661-7650, 363-4650.
 

  CHRIC strives to enforce and advance Fair Housing and Equal Opportunity 
in all of its programs and services