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Resources that provide survival level services including food, housing, material goods, transportati...
The New York Caregiving Portal is an online tool available at no cost to any individual providing un...
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What Is It? First Time Home Club (FHC) is a savings program designed to assist first time homebuyers purchase a home. AFI and FHC are match-savings programs. For every $1 a participant saves, the program will match $4 for a potential grant of up to $7,500. òIn order to receive the full $7,500 match, a household must save $1,875. òFunds provided by the program will provide down payment and closing cost assistance. òParticipants must complete a homebuyer education course. Who is eligible? Participants must meet the definition of a first time homebuyer. òParticipants must meet income guidelines. òParticipants must make systematic deposits into a savings account. òParticipants must complete the homebuyer education course. òParticipants must have at least 2 years of satisfactory credit history. First Home Club Participants: òMust save with Steuben Trust Company òMust obtain mortgage financing from Steuben Trust Company òMust purchase a home within Allegany County òIncome must be at or below 80% of Area Median Income at time of enrollment òParticipants must save for 10 - 24 months òParticipants must sign a 5 year lien in the amount of the grant funds. 20% is forgiven each year. What Are The Benefits? òDown payment and closing costs are expensive!! òSavings period allows time to work on any minor credit issues which translates into more buying power. òHomebuyer education requirement òFREE MONEY!
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