First Mortgage Loans

(Program)

Offers first mortgages to qualified first-time buyers looking to purchase a home in Onondaga County. Mortgages can be coupled with $5,000 in down payment and closing cost assistance if home buyer is eligible.

Eligibility: First-time home buyers who have completed the Homebuyer Education Course through the HomeOwnership Center at Home HeadQuarters and plan to occupy and live in the home as a primary residence; to receive Down Payment & Closing Cost Assistance in the form of a grant (deferred loan), buyers must fall below 80% of HUD median income guidelines (based on family size)

Application Process: Complete the Homebuyer Education Orientation and Class; call or go online to register

Required Documentation: Proof of income

Fees: Varies; call for information

Onondaga County

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Home HeadQuarters
(Agency)

Provides a range of products and services to assist current and prospective homeowners including certified home buyer education, emergency home improvement assistance, financial counseling, foreclosure prevention, first mortgage and closing cost assistance, property development and management, and home and energy improvement loans and grants. Provides free financial counseling as part of Syracuse's Financial Empowerment Center for Syracuse residents.

538 Erie Boulevard West
Syracuse NY 13204

Website: www.homehq.org

Hours: Monday - Friday, 8:30 AM - 5 PM

Disabled: Fully Accessible