Homebuyer Education
Group education provided through Arbor Housing and Development's Home Ownership Made Easy (H.O.M.E.) class. This class provides an overview of the whole home buying process.

Curriculum covers:

• Setting goals, savings, and developing a spending plan to meet goals.
• How to read and understand a credit report and how to resolve credit issues.
• Shopping for a home, looking for energy efficiency productrs, obtaining a structural inspection, and making an offer on a home.
• Reviewing mortgage products, grant programs, and first home clubs, prequalifying for a mortgage, shopping for a lender, and avoiding predatory lenders.
• Budgeting for homeownership, home safety and maintenance, and what to do if one experiences difficulties in meeting one's mortgage obligations.

Class participants will receive:

• A copy of "Realizing the American Dream" published by the Neighborhood Reinvestment Training Institute.
• A certificate of completion at the end of the class; certificate is good for two years.

Instructors:

• Arbor Housing and Development staff and guest lecturers from related fields

Schedule:

• Once per month either on a Saturday or Friday
• Registration begins at 8:00 am; class is from 8:30 am to 5:00 pm with a one hour lunch break.
• 2012 Class Schedule:

Saturday, April 21, 2012
Friday, June 8, 2012
Saturday, July 21, 2012
Saturday, September 8, 2012
Saturday, October 20, 2012
Saturday, December 01, 2012

Location:

• Arbor Housing and Development, Big Flats Office, 143 Hibbard Road, Big Flats, NY. Directions can be found here.

Fee:  $65 per family, non-refundable  
Registration: Class registration form here.
For further information, contact Vicki Zahradka at (607) 562-2477 ext. 213