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 FREE* VA 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