Buying a Home

Buying a Home

The U.S. Department of Housing and Urban Development (HUD) site covers a lot of information about the home buying process. Their website has information that can help throughout the entire process. You can also talk to one of their Housing Counselor. Find more information here.

Nine Steps to Buying Your New Home

  • Find out how much you can afford
  • Know your rights
  • Shop for a loan
  • Learn about home buying programs
  • Shop for a home
  • Make an offer
  • Get a home inspection
  • Shop for homeowners insurance
  • Sign papers

Visit the HUD website for more resources relating to each step here.

Mortgage Calculator

Prior to beginning the home buying process you should determine what you can afford and how much you want to spend each month. By using a mortgage calculator you can determine the estimated purchase price that you may qualify for. The link provided below will take you to an online mortgage calculator.

Calculate Your Mortgage Payment

Free Credit Report

Your credit score is very important when you are buying a house. The higher your credit score, the more buying power you will have when coming to get a low interest rate on your mortgage. In order to determine what your credit score is you may obtain a credit report from the credit bureau.

You are eligible to receive a free copy of your credit report from each of the 3 credit repositories (Equifax, Experian, and TransUnion) once a year. There will be a small charge if you choose to also purchase your credit score. However, the scores provided to a consumer may differ from those provided to a lender when accessing your credit.

To request your free annual credit report, call 1-877-322-8228 or visit their website at

To request a copy of your credit report by mail, download the Annual Credit Report Request form (you need an Adobe viewer to view the requested form. Download the free Adobe viewer). Mail the completed form to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

Your reports will be mailed to you within 15 days. Please allow 2-3 weeks for delivery.

Local Real Estate Listings

For local listings, here are some direct links to real estate multi-list services that are located in Lackawanna County.

Uniform Construction Code

Pennsylvania’s statewide building code is called the Uniform Construction Code (UCC) and the State's pre-UCC requirements for commercial buildings. The UCC Administration and Enforcement regulation has adopted the codes for use throughout the Commonwealth of Pennsylvania which went into effect on December 31, 2006. There are 2,563 municipalities located in Pennsylvania that have elected to administer the code and have hired private code enforcement agencies to enforce the UCC.

Resource Quick Links

To make your search a lot easier, here are some direct links to real estate multi list services that are located in Luzerne County.