This module will help you understand how to recover from credit and financial hardships. It also includes the following: What happens when you do not pay your bills Understanding dischargeable and non-dischargeable debts Why rebuilding your credit is essential in financial recovery Where to find resources
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In this workshop you'll learn how developing a spending plan can help you reach your financial goals. This module also includes the following: Why you should budget How to balance income and expenses The difference between fix and variable expenses How to use power pay to reduce your debt
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This module will help you understand how developing a spending plan can help you obtain your dreams of home ownership. This module also includes the following: Why you should budget How to balance income and expenses The difference between fixed and variable expenses How to use power pay to reduce your debt
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This module will help you understand the importance of credit and how to establish a good credit history. This module also includes the following: What are credit reporting agencies? What is credit scoring? How to improve your credit Avoiding Identity Theft
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This module will help you understand the mortgage loan officers’ role in the homebuying process. This module also includes the following: How to find a mortgage lender How to apply for a mortgage loan The difference between pre-qualification and pre-approval Understanding principal, interest, taxes and insurance
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This module helps you understand the role of a real estate professional. This module also includes the following: Why do I need to work with a Real Estate Agent? When should I look for a Real Estate Agent? What is a Buyer-Broker Agreement? How are Real Estate Agents paid?
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Workshop A: In this course, we will cover the basic role of a housing counselor. Students will learn the basic financial management principles and assessment tools that every certified counselor must utilize in order to determine your overall financial health.
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Workshop B: In this course we go deeper into the role of the housing counselor. Student will learn how the counselor will utilize the budgeting and banking tools to demonstrate how to properly make an impact on the financial goals for the client’s credit and risk.
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Workshop A: In this course we will cover the basic formulas for assessing an individual’s readiness to buy. The student will learn how a housing counselor recommends homeownership readiness based on sound financial principles such as: debt-to-income ratio credit history This course will also cover executing cost analysis of renting vs. buying.
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Workshop B: In this course we will cover basic mortgage products. The student will learn the basic conventional and government issue housing mortgages that support evolving financial profiles. In addition, the student will be introduced to the complexity of identifying guidelines from lenders and the requirements to meet.
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