Homebuyer Education & Homeownership Counseling

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Homebuyer Education

Are you ready to buy a home? What are the benefits of homeownership? How do lenders decide to make loans? Our eight hour, comprehensive homeownership education course, directed by a HUD-approved instructor, will help you to better understand the home purchase process. Topics covered include: the advantages and disadvantages of homeownership; assessing homeownership readiness; understanding credit; managing your finances; the mortgage process; special programs for first time buyers; shopping for a home, a lender, and a realtor; closing your deal; and maintaining your home and your finances after you purchase.

Completion of homeownership education makes you a smarter, better borrower, and may help you become eligible for down-payment assistance, low-interest mortgages, and matched savings programs.

The course is open to everyone and free of charge. Space is limited, so pre-registration and a $25 refundable deposit are required. The deposit check will be returned to you at the end of class or you can choose to donate it. If you are not able to attend the class which you are registered for, you must give two days notice to reschedule or cancel, otherwise your deposit will not be refunded.

You must attend an entire series (8 hours) to get a certificate. Contact us today to sign up for our next class series!

Click HERE for current class schedule.

Click HERE for a registration packet.

We encourage one-on-one appointments for those who have completed one of our homebuyer’s education classes to offer professional guidance for your upcoming purchase.

Homeownership Counseling

One-on-one homeownership counseling is designed to provide financial literacy skills including goal setting and budget planning, assess homebuyer readiness, support the customer in determining their financial situation, teach about “mortgage math” and ways to improve credit score, as well as connect customers to resources and other community resources.

We encourage one-on-one appointments for those who have completed our homebuyer’s education class to offer professional guidance for your upcoming purchase. Homeownership coaching can be extremely beneficial throughout the buying process. Here are some of the benefits:

  • Individualized preparation for your purchase. We can help with deciding how much house you can afford, what you may qualify for, a plan to save for a down payment, and your questions along the way.
  • Unbiased, professional help.  Housing counselors are one of the few parties that don’t have a financial interest in the outcome of your purchase, so we’ll help you stay focused so you won’t get distracted by things you don’t want or can’t afford.
  • Reduced risk of foreclosure.  Many people find themselves in foreclosure shortly after they purchase a home due to not fully understanding the practical implications of owning a home.  When you plan and involve a professional advisor you make more informed decisions.

Contact our staff to schedule a counseling session.

HRDC is a NeighborWorks Montana affiliate. For more information on homeownership resources statewide please visit the NeighborWorks website.

Praise for Homebuyer Education:

It was also absolutely my pleasure to meet you in Your awesome HRDC class. Thank you so much. So excited to get a home for me and my two little girls..!

WE DID IT! James and I bought a home in Bozeman, off 19th and Babcock, and we are closing 12/21!! THANK YOU for sharing all your knowledge with us, we honestly couldn’t be more grateful for you! You are an inspiration!!  We’ll send over our picture of us and the home around Christmas time! A million thank you’s for your guidance!

Thank YOU for all you do.  The HRDC (especially first-time homeowners and affordable housing projects) are near and dear to my heart — What do other places do without you.  Especially in these times.  Cheering for you!  Jen W, Realtor

Thank you so much for teaching the class in Big Sky last week! I feel like it was so valuable to me as a new realtor! Thanks! Again, you were GREAT!
Anna H. | Sales Associate