Buy a Home

We Help First-time Homebuyers

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

Also, 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 programs, working with a Realtor, making an offer on a home, home inspections, home owner’s insurance, closing a loan transaction, and fair housing.

After the workshop or individual session, successful participants receive a certificate recognized by the City of Savannah’s DreamMaker, GA Dream, and SC Housing down payment programs.

ACT NOWCall CCCS today to set a one-on-one session with a counselor or a workshop,    912-691-2227..

Richard Reeve talking to a Homebuyer class

More Resources

Tips
  • If you want to buy a home, start by creating a spending plan by reviewing your monthly gross income, and take home.  Then write down all your monthly expenses.  Having a financial game plan will help you figure out what you can afford (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).
  • After you look at your budget, pull and review your credit report to dispute errors and come up with a plan.   Low credit scores remain the top reason why people do not buy 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 representative of the city of Savannah’s Dreammaker program, an approved GA Dream lender, or SC Housing approved lender.

ACT NOWDon’t wait. Call CCCS for a FREE one-on-one session or to sign up for a class at 912-691-2227

Contact CCCS at https://www.cccssavannah.org/contact-us/