COMMUNITY LAND TRUST OF SCHENECTADY (CLTS) offers it's members a range of programs and services for both before and after you buy your home.

We offer workshops and one-to-one counseling on all phases of the home buying process:

	Resolving credit issues.
	Budgeting and managing finances.
	Applying for a mortgage.
	Learning home maintenance skills.

We also have lease-to-purchase and buyer driven programs.

We are available for support and advice for the entire period of your land lease. Homeowners are represented on the CLTS Board of Directors, and are encouraged to work with CLTS to solve housing problems in the larger community.

We also offer educational workshops covering many areas of home repair and home maintenance, helping to keep your home in shape.