Buy a Home

How We Can Help

CCCS provides FREE one-on-one first time home buying counseling sessions. Your housing counselor will provide you a budget, credit report analysis, and an action plan to help you achieve the goal of home ownership.

ACT NOWCall CCCS today to set a one-on-one session with a counselor,    800-821-4040.

CCCS offers a FREE 8-hour First Time Home Buyer Workshop, free of charge. The workshop provides information on financing options, pre qualifying for a mortgage, down-payment assistance programs, working with a Realtor, making an offer on a home, home inspections, home owner’s insurance, closing a loan transaction, and fair housing.

Successful participants receive a certificate recognized by the City of Savannah’s DreamMaker, GA Dream, and SC Housing down payment assistance programs.

ACT NOWCall CCCS today to set a one-on-one session with a counselor,    800-821-4040.

 

Richard Reeve talking to a Homebuyer class

CCCS also offers post-purchase counseling sessions where you can learn how to be a successful homeowner.  Your housing counselor can help you set up a realistic household spending plan to help you meet your payment obligations and save for major purchases and repairs.

Tips
  • If you want to purchase a home, start by creating a spending plan by reviewing your monthly gross income and take home.  Then write down all of your monthly expenses.  Having a financial game plan will help you figure out what you can afford (typically 2 ½ -3 ½ times your gross annual income or no more than 40% of your monthly take home pay going to Principal, Interest, Taxes, and Insurance).
  • Pull and review your credit report early in the home buying process to dispute errors and come up with a plan.   Low credit scores remain the top reason why people do not purchase a home.
  • Do you live in a rural area?  Contact the USDA rural development.
  • Have you served in the military?  Ask your lender about VA loans.
  • Speak with the a representative of the city of Savannah’s Dreammaker program, an approved GA Dream lender, or SC Housing approved lender.
Additional Resources

Do you still have questions about buying a home? Visit our Frequently Asked Questions.

ACT NOWDon’t wait. Call CCCS for a FREE one-on-one session or to sign up for a class at 800-821-4040 or email cccs@cccssav.com

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