Online Home Buyer Education Class

We offer online Home Buyer Education Classes through Ehome America that will help you gain valuable knowledge about the home buying and mortgage process. Among the topics covered are budgeting, credit, shopping for a mortgage, home inspections, insurance, and the closing process. This online class will also help you gain the certificate needed for down payment assistance that is requested by some lenders. Please click the link below to go directly to our online course and start your class today!

Online Homebuyer Education Class

Pre-Purchase Counseling

EDHRC offers clients workshop classes in person and group sessions. Pre-purchase counseling includes but not limited to the counseling and educating the potential tenant on tenant and landlord responsibility as well as fair housing awareness, discrimination, health and safety repairs, filing complaints and eviction mitigation. Counseling includes all the elements of the lease agreement, affordability, and budgeting and rental resources. The counselor reviews the client’s credit, income and budget and help the client to identify any rental subsidies and resources that may be available.

The counselor and client review all documents associated with the rental process and discuss long-term goals related to savings and strategies centered on how to make timely payments. We also talk about the long-term goal of home ownership if tenant would like to be a homeowner.

Home Buyer Education

EDHRC offers clients workshop classes in person group sessions an online course through e-Home America. The online course is then followed up with counseling services geared directly around the client’s purchase and financial circumstances. The counselor and client review all documents associated with the loan and discuss long-term goals related to savings and additionally discuss strategies centered on how to make mortgage payments when there is a loss of income and mortgage default becomes a possibility. The client total financial makeup is reviewed.

This includes savings, credit report, financial goals, and current budget. The counsellor works with the client to identify down payment assistance programs, understand the different loan products that are available, and the client is given the tools to identify real estate professions to assist with their transaction. Counseling is offered via face-to-face, internet or phone dependent on the client’s schedule and needs.

Post-Purchase Counseling

EDHRC offers clients workshop classes in person, one-on-one, and group sessions. Clients receive important material on how to properly maintain a home, refinance a home, and select a realtor. Clients are assessed for individual needs and are assisted with the tools and services to successfully maintain a home.

Mortgage Counseling

EDHRC works with the client to effectively work with lender/servicers. The counselor with assists with drawing up documents for loan modification and submission of modification documents. The counselor will work with the local or state municipality to identify funds that may be available to assist the home owner. The counselor will work with the homeowner to ensure that they understand the terms of the loan work out / modification agreement prior to signing documents.

The counselor will work with the client to understand their financial situation and identify ways to increase income and reduce debt in an effort to strengthen monthly cash flow and possibly prevent mortgage default. The housing counselor will also work with the client to understand the foreclosure process and timelines and work to identify disposition options and an exit strategy. The counselor will help to identify other resources from other organizations that may be of benefit to the client.

Financial Literacy

EDHRC offers clients workshop classes in person, one-on-one, and group sessions. EDHRC provides a monthly 2-hour financial literacy workshop. It is comprehensive financial education curriculum designed to help an individual development a fundamental understanding of finance. After the workshop, each participant meets one-on-one with a housing counsellor to establish a plan of action specific to the client’s needs. EDHRC also teaches financial literacy to the youth ages 12-19.

Credit Counseling

The counselor does a thorough review of your credit report to help you understand how to fully review the report, and spot any errors that are being reported. Counselor also shows you how to dispute errors, manage credit card utilization, and how to create and maintain a monthly housing budget. The counselor will give a detailed action plan on how to increase credit scores. The counselor will follow up with the client within 30-60 days to check the progress of the action plan. There is a one-time fee of $69.95 for credit counseling that includes services for 12 months with no additional monitoring cost. Client can provide their own full credit report or pay an additional $20 to receive a soft pull FICO credit report. 

Please click on the link below to schedule your appointment! All appointments are currently virtual. 

https://edhrc.simplybook.me/

Payments Are Non-refundable