Services
Buyer education.
Know the steps, the costs and the programs before you buy, so nothing surprises you.
What should a first-time home buyer know?
A first-time home buyer should know their credit and budget, how much down payment their loan needs, what closing costs add, which assistance programs exist, and how pre-approval, inspection, appraisal and escrow work. A homebuyer education course covers these steps and is often required for assistance.
- Check your credit and budget.
- Learn what programs and loans fit.
- Take a homebuyer education course.
- Get pre-approved.
- Tour homes and make an offer.
- Inspect, appraise and close.
Buying a home is easier when you understand the process, and many first-time buyers do not know what they do not know. Jan explains each step in clear, simple terms, in English, Arabic or Assyrian, so you can ask questions openly.
Some down payment assistance programs also require a homebuyer education course, and Jan can point you to approved providers when one is needed.
What you will learn
Jan walks you through the parts of buying a home that cause the most confusion.
- How pre-approval works and what lenders look at
- How much you can afford, and the difference between price and monthly payment
- Down payment assistance programs and who qualifies
- How offers, inspections, appraisals and closing work
- Your costs at closing and your responsibilities after you move in
Homebuyer education courses
A homebuyer education course is a class on the basics of buying and owning a home. Some loan and assistance programs require one, and certain providers are approved by HUD. Many are available online, and some are free.
Check the program's requirements first, since not every course is accepted by every program. HUD maintains a directory of approved housing counseling agencies.
Start early
The best time to get educated is before you start looking. Talking with Jan early lets you fix credit issues, build savings, learn which programs fit and avoid costly mistakes.
Frequently asked questions
Do I need a homebuyer education course?
Not for every purchase, but some loan and down payment assistance programs require one. Jan can tell you whether a program you are considering does.
Where can I take a HUD-approved homebuyer education course?
HUD provides a directory of approved housing counseling agencies, and many offer online courses, some free. Make sure the provider is accepted by the program you plan to use.
Is homebuyer education only for first-time buyers?
No. It is designed for first-time buyers, but anyone who wants a refresher on the process or who needs it for a program can benefit.
Can Jan explain the process in Arabic or Assyrian?
Yes. Jan works with clients in English, Arabic and Assyrian, which helps many families ask questions more comfortably.
Ready to get started?
Tell Jan what you are hoping to do and she will map out your next steps.