HUD APPROVED PRE PURCHASE HOME BUYER EDUCATION COURSE CURRICULUM
Homeownership Done Right
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1
TEST YOUR KNOWLEDGE
- CONGRATULATIONS | WELCOME
- TEST YOUR KNOWLEDGE
- PRE - ASSESSMENT
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2
WELCOME
- HBE 1
- SURVEY | WHAT ARE SOMETHING YOU WOULD LIKE TO KNOW TODAY?
- HBE 4
- SURVEY | WHAT ARE THE STEPS TO SUCCESSFUL HOME-OWNERSHIP?
- HBE 3
- SURVEY |WHAT IS A 1st TINE HOMEBUYER?
- HBE 5
- THE BASICS
- RESOURCE | CHECKLIST & STEPS TO BUYING A HOME
- KNOWLEDGE CHECK
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3
FAIR HOUSING LAWS | CONSUMER LAWS | WHOSE PROTECTING YOU
- HBE 6
- FAIR HOUSING | HEAR FROM A HOUSING COUNSELOR
- RESOURCE | FAIR HOUSING
- VIEW| FIGHTING HOUSING DISCRIMINATION - ONE FAMILIES STORY
- HBE 6 a
- RESOURCE | CALIFORNIA EMPLOYMENT & HOUSING LAWS
- RESOURCE | TIPS FOR PROTECTING YOURSELF
- RESOURCE | CONSUMER FINANCIAL PROTECTION BUREAU
- RESOURCE | COMPLAINT REALTOR | MORTGAGE LOAN PROFESSIONAL
- FORM | INEVITABLE FORECLOSED EVICTED TENANT & LANDLORD PROTOCOL
- LOS ANGELES COUNTY TENANTS FACING EVICTION RESOURCES
- RESOURCE | EXAMPLES OF PREDATORY LENDING
- RESOURCE | THINK YOU HAVE BEEN A VICTIM OF PREDATORY OR DISCRIMINATORY ACTIONS - VIEW WHOSE PROTECTING YOU
- RESOURCE | ANTI-DISCRIMINATION CONTACTS HOUSING & BANKING
- RESOURCE| SERVICE MEMBER PROTECTION
- KNOWLEDGE CHECK
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4
HOME OWNERSHIP | IS IT RIGHT FOR ME?
- HBE 7
- SURVEY | WHY DID YOU ENROLL?
- HBE 8
- SURVEY | WHY DON'T ALREADY OWN A HOME?
- HBE 8 a
- RESOURCE | FIRST TIME HOMEBUYER CREDITS
- RESOURCE | IDENTIFYING A CPA TO WORK WITHIN YOUR STATE
- KNOWLEDGE CHECK
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5
AFFORDABILITY | IS A FACTOR
- HBE 9
- POWER PAY
- HBE 10
- VIEW | HEAR FROM THE EXPERTS-WHAT IS D.T.I DEBT TO INCOME?
- HBE 11
- VIEW | HOW MUCH DO I QUALIFY FOR?
- FORM | PREQUALIFYING FOR YOUR MORTGAGE WORKSHEET
- KNOWLEDGE CHECK
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6
GET TO KNOW YOUR MONEY
- HBE 12
- LOAN DOCUMENTS NEEDED
- FORM | CALCULATE GROSS MONTHLY INCOME
- FORM | DOCUMENTS NEEDED TO FURNISH PROOF OF INCOME
- HBE 13
- SELF EMPLOYED BORROWER
- HBE 14
- HOUSING CHOICE VOUCHER
- HBE 15
- REVERSE MORTGAGE PROFESSIONAL
- FORM | DOCUMENTS NEEDED TO FURNISH PROOF OF INCOME - REVERSE MORTGAGE
- HBE 16
- SEASONED FUNDS PROFESSIONAL
- HBE 17
- FORM | GOAL SETTING WORKSHEET & GOAL REMINDER CARD
- KNOWLEDGE CHECK
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THE "B" WORD | $AVE DAT MONEY $$$
- HBE 18
- SURVEY | REASONS PEOPLE DON'T LIKE TO BUDGET ?
- HBE 19
- FORM | LIST OUT INCOME & ALL THOSE EXPENSES & WHAT YOU LIKE TO SPEND DAT $$MONEY$$ ON
- FORM | LIST OUT INCOME & ALL THOSE EXPENSES & WHAT YOU LIKE TO SPEND DAT $$MONEY$$ ON
- FORM | MONTHLY PAYMENT SCHEDULE
- FORM | MONTHLY SPENDING PLAN
- FORM | INCOME & EXPENSE WORKSHEET
- HBE 20
- RESOURCE | 30 DAY CHALLENGE TO BE A HOMEOWNER
- FORM | MONTHLY SPENDING PLAN NOW AND WITH THE HOUSE
- KNOWLEDGE CHECK
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8
CREDIT | YOUR FINANCIAL RESUME
- HBE 21
- TIPS FOR IMPROVING YOUR CREDIT
- ACCESSING YOUR CREDIT REPORT FROM MAJOR 3 & WHERE TO PULL YOUR CREDIT SCORE
- HBE 22
- HOW TO DISPUTE ERRORS ON YOUR CREDIT REPORT
- HBE 23
- BUYING TRADE LINES
- HBE 24
- HOW TO IMPROVE YOUR CREDIT SCORE
- LIKE A BOSS
- KNOWLEDGE CHECK
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ASSEMBLING | REALLY BIG TEAM
- HBE 25
- RESOURCE | TYPICAL PROFESSIONALS IN THE HOME BUYING PROCESS
- FORM | PROSPECTIVE LOAN OFFICER INTERVIEW QUESTIONS
- FORM | PROSPECTIVE REALTOR INTERVIEW QUESTIONS
- FORM | 10 IMPORTANT QUESTIONS TO ASK THE INSPECTOR
- INSPECTION
- HBE 26
- FORM | FOR YOUR PROTECTION GET AN INSPECTION
- RESOURCE| RESIDENTIAL LEAD BASED PAINT HAZARD REDUCTION ACT OF 1992 aka Title X
- RESOURCE | WHAT TO ASK WHEN WORKING WITH ROOFER PLUMBER ELECTRICIAN LOCKSMITH CONTRACTOR
- FORM | YOUR HOME BUYING DREAM TEAM
- CPA CERTIFIED PUBLIC ACCOUNTANT
- HBE 27
- KNOWLEDGE CHECK
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10
WHAT IS THIS TALK OF DOWN PAYMENT? | WHERES THE MONEY
- HBE 28
- RESOURCE | CENSUS DEMOGRAPHIC INFORMATION TO HELP WITH DOWN-PAYMENT ASSISTANCE PROGRAM REQUIREMENTS
- RESOURCE | STATEWIDE INCOME LIMITATIONS
- RESOURCE | REQUEST MILITARY SERVICE RECORDS
- RESOURCE | MORTGAGE CREDIT CERTIFICATE MCC | MORTGAGE INTEREST CREDIT
- RESOURCE | DOWN-PAYMENT ASSISTANCE PROGRAMS AVAILABLE
- RESOURCE | EXAMPLE OF DOWN PAYMENT ASSISTANCE PROGRAMS - MCC
- HOUSING CHOICE VOUCHER
- KNOWLEDGE CHECK
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FINDING THE RIGHT LENDER | UNDERSTAND MORTGAGE CATEGORIES & TYPES
- HBE 29
- DIFFERENT TYPES OF MORTGAGES
- CHOOSING THE RIGHT LENDER
- FORM | PROSPECTIVE MORTGAGE LOAN OFFICER INTERVIEW QUESTIONS
- HBE 30
- RESOURCE | DIFFERENT TYPES OF FHA MORTGAGES
- BUYING A HOME USING REVERSE MORTGAGE
- RESOURCE| ENERGY EFFICIENT MORTGAGE
- RESOURCE | MORTGAGE CHEAT SHEET
- RESOURCE | FHA MORTGAGE LOAN LIMITS COUNTRYWIDE
- RESOURCE | HOW MUCH DOWN-PAYMENT FHA OR CONVENTIONAL LOAN ELIMINATES MORTGAGE INSURANCE PREMIUMS
- HBE 31
- RESOURCE | QUESTIONS TO ASK THE LOAN OFFICER DURING YOUR MEETING REGRADING YOUR FUTURE LOAN
- RESOURCE | MORTGAGE LOAN COMPARISON WORKSHEET
- THE PROCESSOR
- HBE 32
- RESOURCE | WHAT AMOUNT IN FEES YOU CAN EXPECT PER STATE
- RESOURCE | SAMPLE OF UNIFORM LOAN APPLICATION 1003
- RESOURCE | LOAN ESTIMATE EXPLAINER & SAMPLE CLOSING COST DISCLOSURE EXPLAINER
- TYPE OF LOAN PROS AND CONS
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12
SHOPPING FOR YOUR NEW HOME
- HBE 33
- RESOURCE | PROSPECTIVE REALTOR INTERVIEW QUESTIONS
- RESOURCE | HOME BUYER WISH LIST
- NEEDS VS WANTS
- HBE 34
- RESOURCE | HOME TOUR
- THE BIG PICTURE
- RESOURCE | MEGAN'S LAW
- RESOURCE | GREAT SCHOOL Trusted ratings and school information help parents find the right school for their family
- RESOURCE | NEIGHBORS FROM HELL
- HBE 35
- HOW TO BUY A NEW CONSTRUCTED HOME
- 10 THINGS TO DO WHEN BUYING NEW CONSTRUCTION
- HBE 35 a
- RESOURCE | TITLE INSURANCE
- TAKING TITLE| HOLDING VESTING
- RESOURCE |HOLDING TITLE
- HBE 36
- UNDERSTANDING THE RESIDENTIAL PURCHASE AGREEMENT
- RESOURCE | MAKING AN OFFER QUESTIONS TO ASK
- RESOURCE | MAKING A OFFER 8 HUGE MISTAKES
- HBE 37
- NEGOTIATING THE DEAL
- HBE 38
- HBE 39
- CONTENGENCIES
- HBE 40
- RESOURCE| ELEVATION CERTIFICATE AKA FLOOD CERTIFICATE
- RESOURCE | PRICING INSURANCE QUOTES
- RESOURCE | INSURANCE QUESTIONS TO ASK WHEN SUBMITTING OFFER
- RESOURCE | SAMPLE HOME INSURANCE DECLARATION PAGE
- PURCHASING THE HOME AND INSURANCE
- RESOURCE | SAMPLE GUIDE FOR REALTOR WORKING WITH HOUSING VOUCHER
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EVERYTHING YOU NEED AND MORE ON INSURANCE| INSURANCE EQUAL ASSURANCE INSURANCE EQUALS ASSURANCE
- HBE 41
- INSURANCE BECAUSE LIFE HAPPENS
- HBE 42
- INSURANCE AS A HOMEOWNER
- HBE 43
- KNOWLEDGE CHECK
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14
PREPARATION FOR THE CLOSE | FINALIZING YOUR LOAN
- HBE 44
- DON'T BUY ANYTHING ON CREDIT PRIOR TO CLOSE
- HBE 45
- HOMEOWNER
- HBE 46
- REAL ESTATE AGENT
- HBE 47
- SETTLEMENT AGENT
- HBE 48
- FINAL WALK THROUGH
- HBE 49
- KNOWLEDGE CHECK
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15
THE CLOSING DAY IS FINALLY HERE
- HBE 50
- FORM | THE CLOSE TIMELINE AND SCHEDULE
- WHAT TO EXPECT AT CLOSING
- HBE 51
- RESOURCE | WHAT TO BRING TO THE CLOSING
- RESOURCE | QUESTIONS TO ASK ABOUT YOUR LOAN
- SURPRISES AT THE CLOSING
- HBE 52
- RESOURCE | LOAN ESTIMATE EXPLAINER & SAMPLE CLOSING COST DISCLOSURE EXPLAINER
- FORM | NOW YOUR A HOMEOWNER MOVING CHECKLIST
- KNOWLEDGE CHECK
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16
NOW I'M A HOMEOWNER
- HBE 53
- RESOURCE| MONTHLY PAYMENT SCHEDULE
- RESOURCE| MONTHLY SPENDING PLAN
- RESOURCE | INCOME & EXPENSE WORKSHEET
- CPA 1ST TIME HOMEBUYER TAX CREDITS & SO MUCH MORE
- HBE 54
- OPT OUT OF UNWANTED SOLICITATIONS
- HOME WARRENTY
- HBE 55
- FORECLOSURE PREVENTION
- RESOURCE| SAMPLE TROUBLE WITH MORTGAGE
- HUD APPROVED NATIONWIDE HOUSING COUNSELOR FORECLOSURE PREVENTION
- HBE 56
- WHOSE PROTECTING YOU
- HUD APPROVED COUNSELORS NATIONAWIDE FREE SRVICES
- HOME IMPROVEMENT SCAM
- HBE 57
- IRS NONPROFIT ORGANIZATION CHECK - BEFORE YOU MAKE A DONATION
- KNOWLEDGE CHECK
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17
YOU OBTAINED YOUR HOME NOW ITS TIME TO RETAIN & SUSTAIN YOUR HOME
- HBE 58
- REMODELING & HOME IMPROVEMENT
- HBE 59
- KNOWLEDGE CHECK
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RESOURCES
- GLOSSARY OF TERMS
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SCHEDULE ONE ON ONE 60 MIN CALL TO ANSWER ANY ADDITIONAL QUESTIONS OR CONCERNS YOU MAY HAVE
- SCHEDULE YOUR CALL
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SURVEY
- EXIT SURVEY
- EXIT SURVEY
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POST-ASSESSMENT
- POST-ASSESSMENT