Ready to Buy Your First Home? Let CCB Help You With Our Free First-Time Homebuyers’ Seminar on August 8!

At CCB, we believe that homeownership is a milestone worth celebrating. Whether you’re dreaming of owning your first home or looking to upgrade, this is the perfect time to take steps toward making that dream a reality. Here are some essential tips to help you determine if you’re ready to buy a house and how to decide what kind of home best suits your needs.

Are You Ready to Buy a House?

  • Financial Stability: Evaluate your financial health. This includes having a steady income, a good credit score, and a manageable level of debt. At CCB, we can help you review your financial situation and determine the best mortgage options for you.
  • Savings for Down Payment and Closing Costs: Make sure you have enough saved not just for the down payment, but also for closing costs. CCB will work with you to explore the best possible options to meet your needs!
  • Emergency Fund: Beyond your down payment and closing costs, having an emergency fund to cover 3-6 months of living expenses is crucial. This fund will provide a cushion in case of unexpected expenses or changes in your financial situation.
  • Long-Term Commitment: Consider your long-term plans. Are you ready to stay in one place for at least 3-5 years? Buying a home is a significant investment and staying put for a while can help you build equity and avoid the costs associated with moving frequently.

Determining What You Want to Purchase

  • Location, Location, Location: Decide where you want to live. Consider factors like proximity to work, quality of local schools, neighborhood amenities, and overall lifestyle. Visiting potential neighborhoods can give you a feel for the area and help you decide what’s important to you.
  • Type of Home: Think about the type of home that suits your lifestyle. Do you want a single-family home, a townhouse, or a condo? Each type has its pros and cons in terms of maintenance, privacy, and amenities.
  • Must-Haves vs. Nice-to-Haves: Make a list of your must-haves (e.g., number of bedrooms, a big backyard, modern kitchen) versus nice-to-haves (e.g., a pool, a finished basement). This will help you focus on homes that meet your most important criteria.
  • Future Needs: Consider your future needs. Are you planning to start a family? Do you need space for a home office? Think about how your needs might change in the next few years and look for a home that can accommodate those changes.

How CCB Can Help

At CCB, we are committed to making your home buying journey as smooth as possible. Our entire team is here to provide you with personalized guidance and support every step of the way. From pre-qualification to closing, we offer a range of services tailored to your needs.

Join us for a FREE First-Time Homebuyer Seminar on Thursday, August 8, from 5:00-6:00 PM at our Springville Branch. This seminar will cover:

  • The Home Buying Process
  • How to Get Qualified
  • Different Financing Options
  • Home Ownership Preparation
  • What is Escrow?
  • What is the Closing Process and How Does It Work?
  • Much, Much More!

All seminar attendees will have their CCB mortgage processing fee waived (up to a value of $450)!

Seminar Location:

CCB Springville Branch
325 South Cascade Drive
Springville, NY 14141

Questions? Call (716) 938-9171 Ext. 1075.

Take the first step towards owning your dream home. Contact CCB today and let us help you turn your homeownership dreams into reality!