Homebuying

About Course

Most people think buying a home is out of reach. This course proves otherwise. Taught by a HUD-certified housing counselor and former loan originator — this is not generic advice. You will learn what lenders actually look at, the student loan deferment strategy that can lower your DTI immediately, how to buy a 4-unit property with FHA and use rental income to qualify, how to stack down payment assistance programs most buyers never find, and advanced strategies including assumable mortgages, the NACA program, builder rate buydowns, manual underwriting, and how to use gift funds without triggering underwriting flags. This is the insider knowledge you normally only get from a HUD counselor or experienced loan officer.

Course Content

MODULE 1 — Know Your Numbers
Before you talk to a single lender or look at a single listing you need to know exactly where you stand. This module covers the numbers lenders look at, the strategies to improve them, and the insider moves most buyers never learn until it is too late.

What Lenders Actually Look At — The Big 4
The Student Loan Deferment Strategy — Lower Your DTI Without Paying Off Your Loans
Loan Types — FHA, Conventional, USDA, and VA Compared
Income Documentation — W2, Self-Employed, and Non-Traditional Income
MODULE 1 FINAL QUIZ — Know Your Numbers

MODULE 2 — Strategies to Buy More With Less
The insider strategies that HUD counselors and experienced loan officers know — and most buyers never learn until it is too late. Down payment assistance stacking, FHA multi-unit investing, and the NACA program that offers below-market rates with zero down.

MODULE 3 — The Buying Process
From pre-approval to closing day — the steps, the traps, the negotiations, and what to protect in the final 90 days before you own your home.

Student Ratings & Reviews

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About Course

Course Content

MODULE 1 — Know Your Numbers
Before you talk to a single lender or look at a single listing you need to know exactly where you stand. This module covers the numbers lenders look at, the strategies to improve them, and the insider moves most buyers never learn until it is too late.

What Lenders Actually Look At — The Big 4

The Student Loan Deferment Strategy — Lower Your DTI Without Paying Off Your Loans

Loan Types — FHA, Conventional, USDA, and VA Compared

Income Documentation — W2, Self-Employed, and Non-Traditional Income

MODULE 1 FINAL QUIZ — Know Your Numbers

FHA Multi-Unit Strategy — Buy a 4-Plex, Live in One, Rent the Rest

Stack Your Down Payment Assistance — Free Money Most Buyers Never Find

The NACA Program — The Most Underused Homebuying Program in America

Assumable Mortgages — Take Over Someone Else’s Low Interest Rate

MODULE 2 FINAL QUIZ — Strategies to Buy More With Less

MODULE 3 — The Buying Process
From pre-approval to closing day — the steps, the traps, the negotiations, and what to protect in the final 90 days before you own your home.

Get Pre-Qualified vs Pre-Approved — Know the Difference Before You Start Shopping

Working With Real Estate Agents — What They Do Not Tell You

Making Offers, Negotiations, Builder Incentives, and Seller Concessions

The Closing Process — The 90-Day Rule, Gift Funds, Manual Underwriting, and What Happens on Closing Day

MODULE 3 FINAL QUIZ — The Buying Process

About Course

Course Content

MODULE 1 — Know Your Numbers Before you talk to a single lender or look at a single listing you need to know exactly where you stand. This module covers the numbers lenders look at, the strategies to improve them, and the insider moves most buyers never learn until it is too late.

What Lenders Actually Look At — The Big 4

The Student Loan Deferment Strategy — Lower Your DTI Without Paying Off Your Loans

Loan Types — FHA, Conventional, USDA, and VA Compared

Income Documentation — W2, Self-Employed, and Non-Traditional Income

MODULE 1 FINAL QUIZ — Know Your Numbers

FHA Multi-Unit Strategy — Buy a 4-Plex, Live in One, Rent the Rest

Stack Your Down Payment Assistance — Free Money Most Buyers Never Find

The NACA Program — The Most Underused Homebuying Program in America

Assumable Mortgages — Take Over Someone Else’s Low Interest Rate

MODULE 2 FINAL QUIZ — Strategies to Buy More With Less

MODULE 3 — The Buying Process From pre-approval to closing day — the steps, the traps, the negotiations, and what to protect in the final 90 days before you own your home.

Get Pre-Qualified vs Pre-Approved — Know the Difference Before You Start Shopping

Working With Real Estate Agents — What They Do Not Tell You

Making Offers, Negotiations, Builder Incentives, and Seller Concessions

The Closing Process — The 90-Day Rule, Gift Funds, Manual Underwriting, and What Happens on Closing Day

MODULE 3 FINAL QUIZ — The Buying Process

Student Ratings & Reviews

MODULE 1 — Know Your Numbers
Before you talk to a single lender or look at a single listing you need to know exactly where you stand. This module covers the numbers lenders look at, the strategies to improve them, and the insider moves most buyers never learn until it is too late.

MODULE 3 — The Buying Process
From pre-approval to closing day — the steps, the traps, the negotiations, and what to protect in the final 90 days before you own your home.