First Time Homebuyer Program
Register for Online (Valid for Some Programs)
Online Home Buyer Education Courses are acceptable for some but not all down payment assistance, subsidy or other programs that require Pre-Purchase Home Buyer Education. It is up to you to verify that the completion of this course will meet the education requirements for any program you are considering.
If you are using more than one program, online education must be allowed by every program that is involved. If you change or add programs during your home buying process, you may still be required to attend a live, in-person workshop.
To register for one or both of these online courses, read and check the box below.
*By checking this box, you are acknowledging that you understand that once you have enrolled in either of these courses, you will not receive a refund of the course fee and that you understand that you could still be required to attend a live workshop if so required by any entity involved in your purchase.
To learn more about the topics covered in these courses, please review our Homebuyer Education Curriculum.
Programs include MCC, FL Bond and other Down Payment Assistance Programs
Programs include HomeReady by Fannie Mae
Register for In Person (Valid for All Programs)
This Course is offered twice a month (once in English, once in Spanish) at our West Palm Beach Location 1325 N Congress Ave Ste 201, WPB, FL 33401.
The class format is limited to 35 persons per class session. Morning refreshments and a light lunch is provided. See our events calendar for the next session. Sessions may be full, so book early.
If your program requires an in-person format, this is the session you need to register for an attend. If you are not sure what format your program needs the election of an in-person format is accepted by all programs.
DEBTHELPER.COM is a HUD Certified Housing Counseling Agency.
HUD IDs 81215, (83706 West Palm Beach, FL) (81063 Arlington, MA) (90180 Asheville, NC)
Pre-purchase Counseling and Home Buyer Education: Have you been dreaming of your first home, but have no idea where to start? Are you wondering if you could even afford a home or get qualified and move in? Are you concerned that your credit is not great and confused about the world of banks, loans and paperwork? Do you know what you need to do before buying a home? Do you have all the right paperwork? How’s your credit? Are there any mistakes or past errors that need to be fixed before a bank will give you that loan? Don’t know where to start?
Debthelper.com is your financial answer. Debthelper’s Pre-Purchase Counseling and Home Buyer Education Programs will answer these questions and more and get you on the path to that new home. Debthelper’s Homebuyer Education program offers details and step-by-step guidance on what you need to do today to make that dream home a reality.
Debthelper provides an in-person 6 hour course at its West Palm Beach location; with two additional hours of counseling available as necessary. Debthelper also partners with third party provider to bring you an 8 hour online homebuyer education course. While not every home buying program accepts online education, it is necessary that you please call us so we can help you determine whether an in-person or an online course is the right course for your loan program.
Home Buyer Education Topics covered may generally include:
- Down Payment Assistance Programs
- Home Buying Readiness
- Home Inspection
- Money Management
- Understanding Credit
- Getting A Mortgage Loan
- Shopping For A New Home
- Keeping Your Home Sustainable
- Budgeting and Managing Your Finances
- Home Maintenance and Repair
- Saving for the Future
- Energy Star Appliances
- Renewable Energy Resources
Down Payment Assistance Programs are constantly changing and availability of funds or affordable housing can change with very little notice. For the most up to date information on programs, contact a DebtHelper.com Housing Counselor directly.
Lenders, Counties, Cities, Municipalities, Federal Programs and State Housing Finance Agencies offer specific loan programs and down payment assistance to help you get into your mortgage. Below are samples of some mortgage programs that may be available now.
Florida Housing’s First Time Homebuyer Program (FTHB) offers 30-year fixed interest rate mortgage loans to first time homebuyers through its network of participating lenders and lending institutions. However, if you are not a first time homebuyer, you may still be eligible for this program if you are purchasing a home in a GO Zone county, or other federally designated targeted area. This program uses income and purchase price limits to determine eligibility. Additionally a potential homebuyer must complete a 6-8 hour face to face homebuyer education class, be able to qualify for a mortgage, and have a minimum 600 FICO score. Ask your Debthelper Counselor more about your eligibility.