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Free 4-Hour Homebuyer Education Course Online

Whether you’re thinking about your first home, or trying to remember all the steps from the last time, this homebuyer education course is for you! This first-time homebuyer class is also approved to qualify you for most down payment assistance programs.

Each free, online workshop features a lender, a realtor, a home inspector and a housing advisor from NKCDC. Topics range from selecting a realtor to getting inspections. NKCDC housing advisors present pre-purchase and post-purchase information. We answer all questions! 

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In order to qualify for homebuyer assistance programs, homebuyers who take this course are also required to schedule at least one individual appointment with an NKCDC housing advisor and complete the necessary compliance/disclosure forms. You are also encouraged to take advantage of other housing services NKCDC offers .

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• Intake forms and educational material will be sent to you the day before the webinar. Intake forms need to be completed and returned by the Monday following the session. Educational material is yours to keep. 
• Workshops are offered by Zoom. You can download the Zoom app on your laptop, tablet or phone. The link to the webinar will be sent to your email address on the morning of the webinar, about 10 minutes before it starts.

Questions? Please call 215-427-0350 .

Paid 8-Hour Homebuyer Education Online

For those who can’t attend NKCDC’s free homebuyer workshops—or who need more class hours to qualify for down payment assistance programs— eHome America provides an eight-hour homebuyer education class online for $99. It is HUD-approved and accepted by most local and national mortgage products. It is accessible by phone, tablet and computer. Participants who complete the course receive a certificate. There is no test.

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Fannie Mae Launches Free Online Education Course, Empowering Aspiring Homebuyers to Become Confident, Successful Homeowners

Fannie Mae HomeView Broadens Access to Homeownership Education Resources, Prepares Consumers for All Stages of the Homebuying Process

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Jan 12, 2022, 09:00 ET

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WASHINGTON , Jan. 12, 2022 /PRNewswire/ -- Fannie Mae (OTCQB: FNMA ) today announced the launch of HomeView™, the company's new online homeownership education course, to help consumers navigate the mortgage and homebuying process confidently and responsibly. Available free of cost, and accessible online anytime on any device at fanniemae.com/education , HomeView provides comprehensive, easy-to-understand content and resources designed to ensure aspiring homebuyers are well equipped to become more informed and successful homeowners.

Complexity in the homebuying process and misinformation or lack of understanding about qualification requirements can discourage potential homebuyers from taking their first steps toward purchasing a home. According to Fannie Mae research, a majority of consumers do not know the minimum credit score, down payment, and debt-to-income ratio needed to qualify for a mortgage, and fewer than 1 in 4 are aware that low-down-payment options are available. Additionally, homeownership education that aligns with the National Industry Standards is required for many first-time homebuyers to qualify for certain mortgage products, including low-down-payment loans. Fannie Mae's HomeView meets this need by giving lenders and prospective homebuyers a free and easy way to benefit from critical homeownership education. By expanding access to reliable housing and financial knowledge, Fannie Mae provides a clearer path to homeownership for more qualified homebuyers, including low- and moderate-income and minority borrowers, helping to advance housing equity and address the homeownership gap among these communities.

"Fannie Mae is committed to creating equitable and sustainable homeownership opportunities for more people. With HomeView, we are providing aspiring homeowners with free tools and information that will demystify the homebuying process and put sustainable homeownership within reach," said PJ McCarthy, Vice President of Affordable Lending and Housing Equity, Fannie Mae. "Broadening access to quality, trustworthy homeownership education is a proven first step to empowering homebuyers to become successful homeowners. HomeView puts people on the path to buying a home while preparing them for long-term success."

Data from Fannie Mae's Q2 2021 National Housing Survey® show that consumers continue to want information about purchasing and owning a home but have lacked a trusted, centralized source. Among those surveyed, all consumer segments – renters and homeowners, and across race and ethnicity – reported significant interest in learning about how much home they could afford as well as their financing options. In particular, Black renters expressed the most interest in learning more about the homebuying process, including the documents required, how to gain pre-approval from a lender, potential down payment assistance programs, and best practices around personal finance and credit score management.

"For many homebuyers, especially first-time homebuyers, the mortgage and home purchase lifecycle can be intimidating and overwhelming. Having a reliable, single source of information in common, everyday language can make the difference for aspiring homeowners, no matter where they are on their housing journey. That's why we're so proud to launch HomeView," said McCarthy. "As a leader in U.S. housing and mortgage finance for more than 80 years, Fannie Mae is able to provide intuitive, credible, on-demand learning to enable all consumers to become more engaged and informed homeowners. We are investing in a full-lifecycle education portal that will continue to be updated and tested, offering additional resources and support. And by making HomeView available for free, we are removing the cost barrier for lower-income borrowers to meet the homeownership education requirement for more affordable mortgages."

Fannie Mae collaborated with consumers and industry experts, including housing counselors, mortgage insurers, government organizations, and other stakeholders, to ensure HomeView content aligns with National Industry Standards for pre-purchase homeownership education and addresses common homebuyer knowledge gaps and pain points. The course includes seven interactive learning modules that guide the user through the steps of buying and owning a home:

• Knowing When You're Ready
• Saving for Homeownership
• Understanding the Mortgage Loan Process
• Shopping for a Home with a Real Estate Agent
• Making an Offer on a Home
• Getting Ready to Close on Your Loan
• Welcome to Homeownership

The interactive course components are designed to be completed in 30 minutes or less, and consumers can pause and resume at any time. Users who complete the course and achieve a score of 80% or higher receive a certificate of completion to share with their lender to meet the education requirement for most mortgage products, including low-down-payment loans.

HomeView also provides access to tools and resources, including checklists and calculators, and a link to find HUD-approved local housing counselors for consumers who would like additional support throughout the process of buying and owning a home. There is no limit to the number of times users can take the HomeView modules or access the available resources. At the time of launch, HomeView content is available in English and additional language options will be available in the future.

View the online course and materials at fanniemae.com/education .

About Fannie Mae Fannie Mae helps make the 30-year fixed-rate mortgage and affordable rental housing possible for millions of people in America. We partner with lenders to create housing opportunities for people across the country. We are driving positive changes in housing finance to make the home buying process easier, while reducing costs and risk. To learn more, visit: fanniemae.com | Twitter | Facebook | LinkedIn | Instagram | YouTube | Blog

Fannie Mae Newsroom https://www.fanniemae.com/news

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Fannie Mae Resource Center 1-800-2FANNIE (800-232-6643)

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Free Financial & Homebuyer Education Classes

At Homewise, we believe there is a better way to buy a home and that an informed homebuyer is an empowered homebuyer. We offer FREE classes to help you manage your finances, prepare for the home-buying process and become successful long-term homeowners.

We offer our classes in English and Spanish, online and in-person, to make it easy for you and your schedule. By providing these free classes, we hope to create a holistic and informed approach to homeownership. Our classes are available to anyone whether you are a Homewise client of not.

*Homebuyer Education is a required courses for any person who is applying for a loan with Homewise.

In-person classes usually consist of an all-day lectured class, with a copy of the workbook provided. The online classes are self-paced, and we recommend completion within a month.

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Buy your home with confidence! Homebuyer Education is a free class that will help you understand the home buying process and prepare you to make informed decisions. Homebuyer Education is available to all and required for Homewise mortgage loan clients. We encourage you to take the class as early as possible.

1: Workshop Overview and Homebuying Process 

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Key takeaways

• Homebuyer education courses teach you how to save for a down payment, shop for lenders and maintain your house.
• Lenders and state homebuyer assistance programs require first-time homeowners to take an education course.
• Costs for these classes range from free to $125, with some lenders crediting what you spend on a course to your closing costs.

Many state homebuyer assistance programs and some mortgage lenders require borrowers to take a homebuyer education course — especially if they’re a first-time homebuyer . It’s a good idea to find out what educational opportunities are available to you — even if you aren’t obligated to complete a class — and learn about the homebuying process and homeownership before you purchase a house.

What is a homebuyer education course?

A homebuyer education course is an online or in-person class you can take to better understand what’s involved in finding, financing and owning a home. Your mortgage lender might require you to complete this course, or you might need to take it if you’re participating in a down payment assistance or other housing financing program run by a state housing authority (HFA).

“This class explains the homebuying process, what is needed from the borrower to be approved for a mortgage loan, the benefits of homeownership, the challenges of homeownership and mortgage and lending terms,” says Wil Hendrix-Griffin, senior vice president of Affordable Lending for PNC Bank in the Chicago area.

Sometimes, the course is offered as a pass/fail class, says Hendrix-Griffin, and the buyer usually receives a certificate upon completion. Other courses have a grading system, such as the homebuyer education class offered by Take Charge America, a Phoenix-based nonprofit credit counseling agency.

“In our course, attendees carefully review the content and their knowledge is periodically tested through a set of quizzes,” says Jeremy Wine, customer experience manager with the organization, which offers the class to buyers in all 50 states. “Those who receive a cumulative score of 70 percent or above will pass our course and receive a certificate of completion.”

What do you learn in a homebuyer education class?

A first-time homebuyer class aims to help you learn about the entire process of buying and owning a home to make sure you’re ready for the commitment.

You’ll learn about the different steps in the homebuying process, including how to:

• Make sure you’re ready for homeownership
• Save for a down payment and manage your finances
• Check your credit to make sure it’s sufficient to get a mortgage and improve your score if necessary
• Determine your budget for buying a property
• Find first-time and other homebuyer programs that can help you
• Compare different types of mortgages and lenders
• Choose the right lender
• Know what closing looks like
• Live in and maintain your new home

Each homebuyer education class is different, however, and depends on the organization offering it and the breadth of material it covers. There’s also a difference between attending a class in person versus taking one online.

“The best courses are in-person classes that allow for substantial interaction within the class and with the instructor,” says Tony Julianelle, CEO of Atlas Real Estate in Denver. “Ideally, the class should provide time for you to develop a household budget and work through various scenarios, such as how you might pay for a large repair if it were needed.”

Benefits of first-time homebuyer classes

You’ll walk away from a first-time homebuyer class with the knowledge you need to buy a house . Beyond obtaining that key information, a class might be a requirement for a more affordable mortgage, which could look like:

• A low-down payment loan ;
• Down payment and closing cost assistance or grants ;
• A lower mortgage rate ; or
• A combination of the three

These benefits (as part of a first-time buyer loan program) can save you money on your mortgage and make homeownership less costly overall.

How to find homebuyer education courses

The U.S. Department of Housing and Urban Development is a great place to start, as it lists approved homeowner classes . You can also consult with your real estate agent or lender for help. Some of the ways you can take courses include:

• On demand: Online homeowner classes allow you to access the source material and take any required tests when convenient. They also offer the same information quality as in-person classes.
• Local: Many Realtors and lenders offer first-time buyer certification classes. That said, if you’re looking to qualify for a grant or loan, you’ll need to make sure the class meets your lender’s requirements.
• Low cost: Homebuyer courses range from free to up to $125 or more, which includes all materials you’ll need to complete the course. Even better, some programs will credit the amount you spend on a homebuyer education course to your closing costs. Just make sure it’s on HUD’s list of approved courses.

FAQ about homebuyer education courses

How much does a homebuyer education course cost, how long does a homebuyer education course take, should you take a homebuyer education course.

Article sources

We use primary sources to support our work. Bankrate’s authors, reporters and editors are subject-matter experts who thoroughly fact-check editorial content to ensure the information you’re reading is accurate, timely and relevant.

“ Housing Counseling Services ” U.S. Department of Housing and Urban Development. Accessed on Jan. 11, 2024.

" The Homebuyer.com Education Course " Homebuyer.com. Accessed on Jan. 11, 2024.

“ Fannie Mae HomeView ” Fannie Mae. Accessed on Jan. 11, 2024.

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Home » Housing » Homebuyer Education » Free Homebuyer Education Workshops and Online Courses

Online Homebuyer Education Course

Take our  online homebuyer education course  and receive a certificate that can help you qualify for down payment assistance and other state and local programs.

 InCharge Introduces the Home Buyers Club

InCharge Debt Solutions has created a Home Buyers Club to assist first-time homebuyers in understanding the requirements needed to be approved for a mortgage and qualify for down payment assistance of up to $80,000.

The Home Buyers Club will have one-hour Zoom meetings the final Saturday each month, starting Mar. 23.

To participate, you must answer questions in the housing intake form available here .

Those who complete the form will receive a virtual invitation link to the monthly meetings, which run from 4:30 p.m. to 5:30 p.m. on the final Saturday of each month.

Completing the intake form allows the counselors at InCharge to assess your readiness to qualify for a mortgage. When they have evaluated your readiness, they can schedule individual meetings to help you advance in the program.

InCharge’s HUD-approved course includes instruction in the financial and practical aspects of buying and maintaining a home, along with material focused on the advantages and disadvantages of homeownership.

The consumer will learn about the importance of credit in the homebuying process. Counselors will teach you how to use credit in a responsible manner so that it helps you get approved for a mortgage loan.

The classes will teach you how to obtain and review your credit report; steps to take that will improve your credit score; how to create an affordable budget; and explain how  debt-to-income ratios impact the loan process.

Another one-hour class will focus on down payment assistance programs available in Orange, Osceola, Lake, and Seminole counties. Having a large enough down payment is often the biggest hurdle consumers must clear in order to buy a home.

InCharge’s Home Buyers Club program will teach you how to qualify for the down payment assistance programs in the county where you intend to buy. The down payment assistance ranges from $10,000 for middle income buyers in Orange County to $80,000 for extremely low-income buyers in Osceola County, with several levels in between in all four counties.

Other features the Home Buyers Club offers include:

• Classes on predatory lending, foreclosure scams, and documents required for closing a loan.
• Experienced housing counselors who will share their knowledge on the homebuying process, financial readiness, and budgeting tips.
• I nteractive discussions with fellow aspiring homebuyers. Share experiences, ask questions, and learn from others who are on a similar path.
• Attend from the comfort of your home using a computer, tablet, or smartphone.

InCharge Debt Solutions is recognized as adopting the  National Industry Standards for Homeownership Education and Counseling .

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-  There is no date or time restriction for completion of the course. Complete the course at your own pace - ANYTIME and ANYWHERE.  You are not required to complete the course in one day or even one week. Return as often as you like. Complete it in one session, or multiple sessions. It's up to you. You may stop the course at any time by logging out and returning to the course whenever you are ready again. The system will take you back to where you last left off. Please allow yourself 6 - 8 hours to complete our course.

- No computer skills needed. No installation of special software or programs needed. All you need is a computer with Internet connection. Just point and click.

- Questions are fair (not tricky).  Your test score will be reflected on your Certificate of Completion.

- Once you've earned your Certificate of Completion, you may log back in at anytime to print your certificate.  Furthermore, your lender or housing administrator may verify your earned grade and certificate by visiting our website.

-This course may be used to satisfy homebuyer education requirements for housing assistance programs or special lender homebuyer programs. Or take it for simply for personal enrichment! A certificate is immediately available after successful completion of the course.

-To view course outline,

-To view screenshots of the course,

How Much Does It Cost? The course is free with a waiting period of five business days. After five business days, your registration will be activated and you may then return to our site and log in to take the course. You will NOT receive any confirmation email. If you're in a rush or you simply prefer the flexibility and certainty of knowing that you can begin the course at any time after registration, you may pay a low expedite fee of $12.99 via PayPal. You may then log in to take the course immediately. Most students prefer to pay the low fee and fulfill their homebuyer education requirement as soon as possible to avoid the risk of delaying their closing date and having to pay late penalty fees.  

WELCOME HOME

Welcome to Pennsylvania Housing Finance Agency's (PHFA) Online Homebuyer Education Course. We designed this course to give you, the homebuyer, valuable information you need to make informed decisions about purchasing a home. Any borrower with a credit score below 680 must get face to face counseling (which can also include remote counseling).

PHFA is a state-affiliated agency whose mission is to provide safe, decent, and affordable housing for older adults, persons of modest means, and those with special housing needs.

WHY CHOOSE PHFA?

The Online Homebuyer Education Course (OHEC) meets PHFA's Homeownership Standards, and coordinates with our participating lenders' home purchase process.

The cost is free! While other programs charge fees for their Homeownership Education Courses, PHFA's program provides the same quality of education at no cost to you. OHEC covers each of the Key Topics presented by the National Industry Standards for Homeownership Education and Counseling.

PHFA works with First Front Door lenders. The First Front Door (FFD) program provides eligible first-time homebuyers with matching down-payment funds up to $15,000. FFD is subject to availability of funds. Find out more about the program by visiting this web page .

Counseling is online, and can be completed at your convenience in the comfort of your home. Our mobile application allows you to complete the course wherever you have access to the internet.

PHFA has a variety of home purchase programs. To learn more, go to this web page .

WHAT'S INCLUDED IN THE PHFA ONLINE HOMEBUYER EDUCATION COURSE?

Ohec includes five education modules:.

• Preparation for Homeownership
• Getting Your Credit Straight
• Ready to Buy
• Applying for a Mortgage
• The Responsibilities of Homeownership

Course Features:

• Each module includes a quiz you must pass with a score of 80% or higher before moving to the next module.
• A certificate of completion is issued after you complete the course. You can print this certificate at home.
• OHEC can be used on any device, 24 hours a day.
• You can repeat any part or all of the course in the future.

Let's Get Started!

Technical Support

More information.

For further information on PHFA's home purchase programs, click here.

Participating Lenders

To find a participating lender, click the following button:

211 North Front St Harrisburg PA 17101 855-U-ARE-HOME (827-3466) TTY Machine: (800) 654-5984 www.PHFA.org

Submit a Question by Email

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Best free homebuyer education courses/classes?

My partner and I are just beginning our journey toward hopefully buying our first home. We would like to take a couple of free online homebuyer education courses to make sure we know as much about the process as possible. Does anyone have recommendations for particular classes?

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Movin’ Out: Creates state’s first accessible online homebuyer education course

Movin’ Out just announced the development of an accessible online education course for people interested in becoming first-time homeowners. The unique course is designed specifically for low-income, first-time homebuyers in Wisconsin, and is fully accessible for people with disabilities.

“This course helps remove obstacles for first-time home buyers,” says Kathryne Auerback, Chief Executive Officer of Movin’ Out. “We created an easily accessible course at an affordable price, and the first of its kind with content tailored for people in Wisconsin. In just the first month, nearly 40 people have signed up.”

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