First Time Home Buyer Classes
Potential first time buyers learn the basics of the purchase process from certified experts. The eight hour classes are held twice a month. Please check our Events Calendar for the next class.
Please pre-register for the pre-purchase homebuyer education class by completing our registration form. The registration instructions can be found here. Pre-registration is a requirement to attend. Walk-ins will not be accepted. Attendees are required to pay a $25 non-refundable registration fee per person and mailed or dropped off at our office. For technical support email: sjworkshops@housing.org.
Among the topics covered are:
- Can I afford the house I have been looking at?
- How does my credit score impact my mortgage payment?
- How do I know whether I have a good credit score?
- What can I do if there is a negative entry on my credit report?
- Should I use a mortgage broker or go to a bank?
- How do I choose a Mortgage Consultant?
- What kind of loan is best for me?
- What is pre-approval and do I need it?
- Should I use a realtor or a real estate agent?
- How do I choose a Real Estate agent
- What do all of the disclosure forms mean?
- When should I waive the contingencies?
- How do I deal with all the loan application and escrow forms?
- What kinds of insurance will I need?
- How long does this whole process take?
- Are there down payment assistance programs that I can apply for?
- What do I do if I feel I have been subject to housing discrimination?