Buy A Home
Purchasing your first home can be overwhelming. We are here to help you navigate through this exciting but complicated process. Whether you have already found the home you want to buy, or are just beginning the process of buying a home, our Home Buyer Education class offers newcomers much needed and helpful tips for navigating the difficult and challenging home buying process.
Offered once a month, our Home Buyer Education Workshops cover the A-Z steps of buying a home, including:
- Talking with a lender
- Negotiating the purchase
- Understanding purchase and sales agreements
- What you can afford
- Home buying process
- Talking to a Realtor
- Types of Mortgages
- The mortgage process
- Closing costs
- Homeowners insurance
- Home inspections
- Post purchase advice
Registration is $85 per class if students preregister the week before class.
Can you help me if I’ve owned a home in the past?
Yes. We provide assistance to everyone who wishes to purchase a home or wants to be educated about the purchase process.
How often are your classes?
We offer them once a month on a Saturday except in December. In June & July we offer a split class on Tuesday & Thursday evenings. You can find more specific times and locations listed in our class schedule.
Are there any income limits to your services?
No. The Home Buyer Education Class is open to everyone, regardless of income.
What is the cost of the workshop
The class fee is $85 if you register at least a week prior to class and $100 after. We recommend that you sign up for the class ahead of time to make sure you have a spot in the class. Each class is capped at 15 families or approximately 30 people.
Do I make enough money to qualify for a mortgage?
Our Home Buyer Education class and counseling sessions will cover mortgage qualifications and address barriers to getting a mortgage. For those with low income, it can be possible to buy a home. However, some low-income families may need assistance programs in order to purchase a home. We will go over different options when you meet with us one on one with a counselor.
If I have a lot of debt, will this affect how much I can borrow?
Yes. One of the biggest obstacles facing many homebuyers is too much debt. Your monthly debt is taken into consideration when a lender determines the mortgage amount for which you qualify. Our counselors will show you how to determine how much debt is too much and, if necessary, help you develop a debt reduction plan along with a budget.
Can you fix my credit for me?
No, only you can improve your credit. However, a counselor can help you through the process. We also discuss credit and buying habits in the Home Buyer Education class. Counselors will help you apply the knowledge from class to your own situation.