ACRHA Service Fees:
 
In-Person Homebuyer Education Workshop - One 8 Hour Session*
  • Certificate course
  • Meets lender requirements
  • First Home Club/Mortgage Match Program requirement
Topics Discussed: Renting vs. Buying - Are you Ready?, Money Management (Budgeting and Credit), Understanding Mortgage Loans & Grants, FHA, SONYMA, Shopping for a Home (working with realtors, home inspectors, attorneys, lenders, insurance agents), Making a Purchase Offer, Closing, Avoiding Foreclosure, Home Maintenance, Energy Efficiency, Working with a Contractor.

$50: In-Person Class Fee per household
$20: Optional Workbook

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Online  Homebuyer Education
  • eHome America Certificate course (after meeting with a homeownership advisor)
  • complete the course online and at-your-own-pace from your home
  • Course Certificate is accepted by lenders for homebuyer dream program
 Topics Covered: Are You Ready To Buy a Home?, Managing Your Money, Understanding Credit, Getting a Mortgage Loan, Shopping for a Home, Keeping Your Home, and Managing Your Finances. 
$99: Online Class Fee

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Credit Report Fee: $30.50 per person

  • Tri-merge credit report with credit history & FICO scores from Experian, Transunion, & Equifax
  • for more information, contact Us at 518-765-2425
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Homeownership Workshop
  • One 2.5 Hour Session
  • Learn how to maintain your home as an investment and enjoy the benefits of being a homeowner
 
$25 Per Household

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Revolving Loan Fund Application Fee
  • Processing and underwriting loan application.
Fee: $150**
 
Fee is Refundable if application denied.
 **Additional fee for Credit report

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Grant Subordination
  • Reviewing, processing and requesting lien subordination through grant source
Fee: $150
 
**NOTE: Fee is Non-refundable once process initiated**

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HOME Down Payment Assistance Grant
  • Home ownership education
  • Processing and underwriting application
Home purchase process and pre-qualification
Income eligibility, budget, expenses, credit report, loan forms.
Fee: $150*

*Non-refundable once process initiated.