For many Americans, owning their own home is the American dream. lf home ownership is your dream too, it can become a reality, but not without realistic goals, sound advice, careful planning, and a clear understanding of the costs involved.

As in any new endeavor, the more you know about being a home owner, the better able you will be to reach your goals. This website will help you decide if homeownership is right for you, and whether or not you can afford to buy a house now. It will also provide you with a good idea of how much house you can get for your money in the City of Rochester, and what mortgage lenders look for in approving a mortgage loan. Finally, it will show how first-time home buyers and low- and moderate-income households can stretch their borrowing power with a variety of financing options and flexible lending programs — options that can help you make your dream of home ownership come true.