HOME at LAST is a HUD-approved housing counseling agency offering FREE* real estate counseling where you can ask questions of the experts and get tips for navigating the real estate industry.

Our agency provides the following one-on-one and group counseling services:

  • Pre-purchase Counseling
  • Financial, Budgeting, & Credit Workshops
  • Pre-purchase Homebuyer Education Workshops
  • Predatory Lending Education Workshop
  • Mortgage Delinquency & Default Resolution Counseling

HOME at LAST also offers FREEVA Home Loan counseling through an agreement with the New York State Department of Veteran Services (DVS).

Buying a home for the first time can be an overwhelming process filled with new terminology and very specific requirements. Luckily, when you’re a service member or veteran, you can take advantage of your military housing benefits (Basic Allowance for Housing, or BAH) and apply for a VA loan.

If you meet the requirements for a home loan backed by the Department of Veterans Affairs, you could get a mortgage with better terms, and without making a down payment.

HOME at LAST strives to make this process easier for YOU, taking the headache out of the experience, and helping you and your family feel more confident in your home buying, home selling, and/or refinancing decisions.

*there may be 3rd party vendor costs

Sign Up Form

We strongly encourage clients to complete all fields on the “Self-Sign Up” form as it provides us with the information needed to be able to provide you with the most efficient service and follow up.

Home at Last USA Courses

  • Homebuyer Education Course
  • Money Management Course
  • Post Purchase Homeowner Education

Home at Last USA FinLocker

Provides tools and resources to help you build and monitor your credit and manage all your financial accounts in one place.

Down Payment Assistance Programs

Connects homebuyers with the down payment help they need.