FIRST HOME CLUB
Through the Federal Home Loan Bank of New York, M&T, Summit Federal Credit Union, Evans Bank and SEFCU offer First Home Clubs, in which first-time homebuyers can enroll in an IDA account for their first home. The funds homebuyers deposit in their accounts can be matched 4 to 1. For information about enrolling in a first home club, contact the Homeownership Team at 716-885-2344

TIPS & TOOLS
US Department of Housing & Urban Development (HUD): Buying a Home--Nine steps to buying a home, from figuring out what you can afford to signing the papers

The Nest.Com: Buying a Home--Information on everything from choosing a mortgage to making friends with new neighbors.

About.com's First Time Homebuying Guide--A wealth of information on first-time homebuying.