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Homebuyer Education: HUD-Approved

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Course Introduction 4 Topics

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Lesson Content

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How to Complete Home Fit

Who This Course Is For

Housekeeping and Disclosures

Demographics

Chapter 1. Considering Homeownership 36 Topics | 5 Quizzes

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Lesson Content

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Lesson 1 Part 1: Introduction to Pros and Cons of Homeownership

Lesson 1 Part 2: Home Equity

Lesson 1 Part 3: CC&Rs

Lesson 1 Part 4: Long-term Housing Stability

Lesson 1 Part 5: Tax Deduction

Lesson 1 Part 6: Fixed Monthly Payment

Lesson 1 Part 7: Pets

Lesson 1 Part 8: Intro to Cons of Homeownership

Lesson 1 Part 9: Down Payment

Lesson 1 Part 10: Closing Costs

Lesson 1 Part 11: HOA Fees

Lesson 1 Part 12: Property Taxes

Lesson 1 Part 13: Maintenance

Chapter 1 Lesson 1 Quiz

Lesson 2 Part 1: Types of Homes and Homeownership

Lesson 2 Part 2: Cabins

Lesson 2 Part 3: Condominiums

Lesson 2 Part 4: Manufactured Homes

Lesson 2 Part 5: Multi-family Homes

Lesson 2 Part 6: Recreational Vehicles

Lesson 2 Part 7: Single-family Homes

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Chapter 2. Homebuying Finances 19 Topics | 5 Quizzes

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Lesson 1 Part 1: Homeownership Goal Setting

Lesson 1 Part 2: Desired Lifestyle

Lesson 1 Part 3: Setting Related Goals

Lesson 1 Part 4: The Goal-Saving for a New Home

Lesson 1 Part 5: The Goal-setting Calculator

Chapter 2 Lesson 1 Quiz

Lesson 2 Part 1: Expense Tracking

Lesson 2 Part 2: Benefits of Expense Tracking

Lesson 2 Part 3: Tracking Apps and Forms

Chapter 2 Lesson 2 Quiz

Lesson 3 Part 1: Homebuying Spending Plans (aka Budgets)

Lesson 3 Part 2: Needs and Wants

Lesson 3 Part 3: Assigning Dollar Amounts

Lesson 3 Part 4: Adding Income

Lesson 3 Part 5: Making Adjustments

Lesson 3 Part 6: Using a Calculator

Chapter 2 Lesson 3 Quiz

Lesson 4 Part 1: Saving and Budgeting

Lesson 4 Part 2: Percentage-based Budgets

Lesson 4 Part 3: Purpose-driven Bank Accounts

Lesson 4 Part 4: Bank Automation

Chapter 2 Lesson 4 Quiz

Chapter 2 Video Recap (NEED VIDEO)

Chapter 2 Assessment

Chapter 3. Homebuying Steps and Supports 30 Topics | 5 Quizzes

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Lesson 1 Part 1: The Homebuying Process

Lesson 1 Part 2: Pre-homebuying

Lesson 1 Part 3: Setting a Down Payment Goal

Lesson 1 Part 4: Pulling Your Credit

Lesson 1 Part 5: Factors like FICO and DTI

Lesson 1 Part 6: Pre-qualifying for a Loan

Lesson 1 Part 7: Starting the Home Search

Lesson 1 Part 8: The Home Purchase Process

Chapter 3 Lesson 1 Quiz

Lesson 2 Part 1: The Homebuying Team

Lesson 2 Part 2: Finance Professionals

Lesson 2 Part 3: Real Estate Professionals

Lesson 2 Part 4: Other Professionals

Chapter 3 Lesson 2 Quiz

Lesson 3 Part 1: Selecting a Home and Community

Lesson 3 Part 2: Privacy and Permanency

Lesson 3 Part 3: Home Size

Lesson 3 Part 4: Home Layout

Lesson 3 Part 5: Location

Lesson 3 Part 6: Pet-friendly

Lesson 3 Part 7: Condition of the Home

Lesson 3 Part 8: Home Amenities

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Chapter 4. Credit-building and Debt Elimination before Homebuying 35 Topics | 6 Quizzes

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Lesson 1 Part 1: How Credit Affects Your Life

Lesson 1 Part 2: Credit Terms

Lesson 1 Part 3: Car Insurance

Lesson 1 Part 4: Employment Background Checks

Lesson 1 Part 5: Apartment Applications

Lesson 1 Part 6: The Cost of Bad Credit for a Mortgage

Chapter 4 Lesson 1 Quiz

Lesson 2 Part 1: Purpose of a Credit Report

Lesson 2 Part 2: The Credit Score’s Predictive Purpose

Lesson 2 Part 3: Tracking Trends in Your Credit

Chapter 4 Lesson 2 Quiz

Lesson 3 Part 1: Credit Bureaus, Reports, and Scores

Lesson 3 Part 2: We Give Permission to the CRAs

Lesson 3 Part 3: Credit Reports

Lesson 3 Part 4: Credit Scores

Lesson 3 Part 5: Good and Bad Credit Scores

Chapter 4 Lesson 3 Quiz

Lesson 4 Part 1: Clarifying Our Understanding of Credit

Lesson 4 Part 2: Options that Make Your Credit Worse

Lesson 4 Part 3: Credit Repair

Lesson 4 Part 4: Debt Settlement

Lesson 4 Part 5: Debt Management

Lesson 4 Part 6: Disputing Errors

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Chapter 5. Understanding Mortgages 56 Topics | 6 Quizzes

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Lesson 1 Part 1: The Lending Decision

Lesson 1 Part 2: The Lender’s Decision Process

Lesson 1 Part 3: Income (Size and Stability)

Lesson 1 Part 4: Down Payment

Lesson 1 Part 5: Debt

Lesson 1 Part 6: Credit Rating

Lesson 1 Part 7: Value and Condition of Home

Lesson 1 Part 8: Protections and Rights

Lesson 1 Part 9: When Lenders Can Deny Your Loan

Lesson 1 Part 10: Illegal Lender Actions

Chapter 5 Lesson 1 Quiz

Lesson 2 Part 1: Finding the Right Home Loan

Lesson 2 Part 2: Choosing a Mortgage Loan

Lesson 2 Part 3: Spotting Predatory Lenders

Lesson 2 Part 4: Adjustable Rate Mortgages (ARMs)

Lesson 2 Part 5: End-of-Loan Balloon Payments

Lesson 2 Part 6: Early Repayment Penalties

Lesson 2 Part 7: Exorbitant Interest Rates

Lesson 2 Part 8: Lack of Proper Disclosures

Lesson 2 Part 9: Loans for More than the Purchase Price

Lesson 2 Part 10: Non-amortizing Loans

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Chapter 6. Preparing for Post-purchase Homeownership 41 Topics | 5 Quizzes

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Lesson 1 Part 1 Homeowner Finances

Lesson 1 Part 2: Budgeting and Expense Tracking

Lesson 1 Part 3: Creating a Budget

Lesson 1 Part 4: Tracking Your Expenses

Lesson 1 Part 5: Furnishing Your New Place

Lesson 1 Part 6: Window Treatments

Lesson 1 Part 7: Furnishings

Lesson 1 Part 8: Major Appliances

Lesson 1 Part 9: Shopping for Major Appliances

Lesson 1 Part 10: Small Appliances

Lesson 1 Part 11: Bedding

Lesson 1 Part 12: Kitchenware

Lesson 1 Part 13: Yard

Lesson 1 Part 14: Record Keeping

Lesson 1 Part 15: Energy Efficiency

Lesson 1 Part 16: Utility Services

Lesson 1 Part 17: What to Do When You Can’t Afford Your Mortgage Payment

Lesson 1 Part 18: What to Avoid

Chapter 6 Lesson 1 Quiz

Lesson 2 Part 1: Life after Closing

Lesson 2 Part 2: Homeownership Responsibilities

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Conclusion & Resources 4 Topics

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Course Evaluation

Glossary

Housing Resources for Idaho Homebuyers

Certificate of Completion and Getting Help

Homebuyer Education: HUD-Approved

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