St. Lawrence County Housing Council, Inc.

Homebuying season is hitting high gear, and below are tips you can use to help make the best homeownership choice in 2018: take a homebuyer education course, and learn how to strengthen your credit, shop wisely for a mortgage, choose the right house and negotiate the best price.

1. Check your credit score before looking for a mortgage.

Look at your finances before you start the search for a home. You need to understand your credit score, and what kind of home you can afford. Many people make the mistake of falling in love with a certain house then realize it doesn't make sense financially. Make sure your credit is strong. Since finding the right house takes an average of one to three months, it could pay off to use the time to strengthen your credit score, especially if it means getting a lower mortgage rate. Read More...

2. Shop around for the best mortgage.

Proactively compare services and costs. First-time homebuyers often realize they have choices and resources available to them. Doing your homework can help you choose wisely and save you money. The price of failing to do so can be quite significant after several years. The average borrower could save $1,500 over the life of the loan by obtaining an extra rate quote when applying for a mortgage, according to new report from Freddie Mac. More than $3,000 could be saved by getting five quotes. Read More...

3. Choose your house carefully.

With a mortgage-approval letter in hand, it's time to find your home. A market with low housing supply requires a buyer to look for a "diamond in the rough"-a not-so-perfect house that could be rehabbed to make it suitable. That doesn't mean you should settle for a house that doesn't meet your basic needs. Read More...

4. Negotiate.

Unless you're buying in one of the most competitive markets, there is always room for negotiation. Here's where selecting the right real estate agent pays off. Read More...

 

HOME OWNERSHIP

First-time home buyers, browse our class schedule. Make your housing dreams come true.

HOUSING REHABILITATION

Give us a call to learn more about our services including housing stock rehabilitation and property management.

PROPERTY MANAGEMENT

Let NoCo Housing tell you more about housing for people with low to moderate Income.

News from the North Country Housing Council

Latest updates from St. Lawrence County Housing Council, Inc.

St. Lawrence County has been awarded $850,000 for housing rehabilitation grants for the second phase of its Countywide Housing Rehabilitation Program (CHRP 2).

 

This award was made under the NYS Community Development Block Grant program (CDBG). "The county expects to be able to assist approximately 22 low-income households with these funds," said County Planning Director Keith Zimmerman. "Assistance will be made available to owner-occupants or to renters. Our rehabilitation goal is to make each housing unit safe, decent, and energy-efficient."

 

North Country Housing Council will deliver the program. They work with the household to develop detailed scopes of work to be completed, and then help the households to get competitive bids from qualified contractors. During rehab, Housing Council staff periodically inspect the work, and authorize payments to contractors only after the householder approves work completed.

 

Interested households or contractors interested in participating in the Housing Rehabilitation Program?

 

Contact Lauren McGrath 315-386-8576, extension #221.

More information here...

DOWNLOAD LINKSHome buyer CLASSForms & ScheduleHousing Rehabilitation
Application
NEW 2019
HOMEBUYER CLASS SCHEDULE
The North Country Housing Council is a non-profit organization that exists for the sole purpose of assisting St. Lawrence County residents in a variety of ways. We are not here to sell a product. This website is here to assist, educate and provide you with useful information.

We assist communities and first time home buyers in a variety of ways. Our upcoming classes can help home buyers through the Washington,D.C.– NeighborWorks America, one of the country's largest nonprofit community development corporations today announced that expects its network of nonprofits across the United States will help originate $3 billion of mortgages this year, up from approximately $2.9 billion and $2.8 billion in calendar years, 2015 and 2014, respectively.

The forecast comes with mortgage rates consistently hovering near historic lows, underwriting standards slowly opening the door to more qualified low- and moderate-income families, and NeighborWorks organizations expanding marketing and lending products, while increasing operational efficiency.

"NeighborWorks organizations provide consumers with a suite of services from pre and post-purchase homebuyer education, down payment assistance, first mortgage lending products and other home related services, including realty services," said Marietta Rodriguez, vice president of homeownership programs and lending at NeighborWorks America.  "These services help create sustainable homeownership for more than 20,000 families every year – or more than fifty families every single day!"

First-time homebuyers are the majority of the customers helped by NeighborWorks, and these homebuyers often benefit from down payment assistance, an important type of financing that helps low wealth consumers safely and securely achieve homeownership. NeighborWorks encourages more consumers to seek a nonprofit housing organization early in the home buying process, (a resource that many consumers overlook or believe isn't for them) for the process of finding and purchasing a home. We will provide resources and be with you every step of the way.

19 Main Street

Canton, NY 13617

 

Phone: 315-386-8576

Fax: 315-386-1564

info@nocohousing.org

It is the vision of the St. Lawrence County Housing Council, Inc. that every resident of St. Lawrence County should have access to decent and affordable housing in vital and vibrant communities.

© St. Lawrence County Housing Council, Inc. DBA North Country Housing Council

Homebuying season is hitting high gear, and below are tips you can use to help make the best homeownership choice in 2018: take a homebuyer education course, and learn how to strengthen your credit, shop wisely for a mortgage, choose the right house and negotiate the best price.

1. Check your credit score before looking for a mortgage.

Look at your finances before you start the search for a home. You need to understand your credit score, and what kind of home you can afford. Many people make the mistake of falling in love with a certain house then realize it doesn't make sense financially. Make sure your credit is strong. Since finding the right house takes an average of one to three months, it could pay off to use the time to strengthen your credit score, especially if it means getting a lower mortgage rate. Read More...

2. Shop around for the best mortgage.

Proactively compare services and costs. First-time homebuyers often realize they have choices and resources available to them. Doing your homework can help you choose wisely and save you money. The price of failing to do so can be quite significant after several years. The average borrower could save $1,500 over the life of the loan by obtaining an extra rate quote when applying for a mortgage, according to new report from Freddie Mac. More than $3,000 could be saved by getting five quotes. Read More...

3. Choose your house carefully.

With a mortgage-approval letter in hand, it's time to find your home. A market with low housing supply requires a buyer to look for a "diamond in the rough"-a not-so-perfect house that could be rehabbed to make it suitable. That doesn't mean you should settle for a house that doesn't meet your basic needs. Read More...

4. Negotiate.

Unless you're buying in one of the most competitive markets, there is always room for negotiation. Here's where selecting the right real estate agent pays off. Read More...

 

St. Lawrence County has been awarded $850,000 for housing rehabilitation grants for the second phase of its Countywide Housing Rehabilitation Program (CHRP 2).

 

This award was made under the NYS Community Development Block Grant program (CDBG). "The county expects to be able to assist approximately 22 low-income households with these funds," said County Planning Director Keith Zimmerman. "Assistance will be made available to owner-occupants or to renters. Our rehabilitation goal is to make each housing unit safe, decent, and energy-efficient."

 

North Country Housing Council will deliver the program. They work with the household to develop detailed scopes of work to be completed, and then help the households to get competitive bids from qualified contractors. During rehab, Housing Council staff periodically inspect the work, and authorize payments to contractors only after the householder approves work completed.

 

Interested households or contractors interested in participating in the Housing Rehabilitation Program, should contact North Country Housing Council’s Lauren McGrath 315-386-8576, extension #221.

More information here...

Homebuying season is hitting high gear, and below are tips you can use to help make the best homeownership choice in 2018: take a homebuyer education course, and learn how to strengthen your credit, shop wisely for a mortgage, choose the right house and negotiate the best price.

1. Check your credit score before looking for a mortgage.

Look at your finances before you start the search for a home. You need to understand your credit score, and what kind of home you can afford. Many people make the mistake of falling in love with a certain house then realize it doesn't make sense financially. Make sure your credit is strong. Since finding the right house takes an average of one to three months, it could pay off to use the time to strengthen your credit score, especially if it means getting a lower mortgage rate. Read More...

2. Shop around for the best mortgage.

Proactively compare services and costs. First-time homebuyers often realize they have choices and resources available to them. Doing your homework can help you choose wisely and save you money. The price of failing to do so can be quite significant after several years. The average borrower could save $1,500 over the life of the loan by obtaining an extra rate quote when applying for a mortgage, according to new report from Freddie Mac. More than $3,000 could be saved by getting five quotes. Read More...

3. Choose your house carefully.

With a mortgage-approval letter in hand, it's time to find your home. A market with low housing supply requires a buyer to look for a "diamond in the rough"-a not-so-perfect house that could be rehabbed to make it suitable. That doesn't mean you should settle for a house that doesn't meet your basic needs. Read More...

4. Negotiate.

Unless you're buying in one of the most competitive markets, there is always room for negotiation. Here's where selecting the right real estate agent pays off. Read More...