Best Online Homebuyer Program

HomeTrek is a HUD-certified Homebuyer education course that will help you better understand how to afford, buy and maintain a home.

  • Easy to navigate online course

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  • Certificate provided on completion

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  • Mobile-phone and tablet friendly

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Course curriculum

  • 1

    Course Introduction

    • Welcome to HomeTrek

  • 2

    Prepare for Homeownership

    • Introduction

    • Benefits of Homeownership

    • Responsibilites

    • Seasonal Maintenance

    • Emergencies

    • Being a Good Neighbor

    • Timeline

    • Summary

    • Module 1 - Quiz

  • 3

    Budgeting for Home Ownership

    • Budgeting Introduction

    • Budgeting on Paper

    • Income

    • Seasonal-Checklist

    • Priorities

    • Tracking Your Spending

    • Necessary and Unnecessary Expenses

    • Uncovering Issues

    • Savings

    • Tracking Your Budget

    • Advanced Budgeting Tools

    • Spreadsheets

    • Budgeting Apps

    • Saving

    • Emergency Fund

    • Reserve Fund

    • Savings Habit

    • Reducing Expenses

    • Increasing Income

    • Budgeting Summary

    • Module 2 - Quiz

  • 4

    How Much Home Can You Afford?

    • Introduction

    • Upfront Costs

    • Debt-to-income Ratio

    • Calculate an Affordable Monthly Payment

    • Pre-Qualification and Pre-Approval

    • Summary

    • Module 3 - Quiz

  • 5

    Your Credit

    • Introduction

    • Your Credit Report

    • How a Credit Score is Determined

    • How to Improve Your Credit

    • Credit Counseling and Debt Management

    • Beware of Credit Repair Agencies

    • Summary

    • Module 4 - quiz

  • 6

    Understanding Mortgages

    • Introduction

    • Types of Mortgages

    • The Down Payment

    • 15-year vs. 30-year Mortgages

    • Interest Rates

    • Special Mortgage Programs

    • Down Payment Assistance

    • Lease-to-Own

    • Summary

    • Module 5 - quiz

  • 7

    How to Find a Home

    • How to Find a Home

    • A Buyer's Agent

    • Wants vs. Needs

    • Determining Your Needs

    • Types of Homes

    • Online Resources

    • Summary

    • Module 6 - quiz

  • 8

    How to Make an Offer

    • Introduction

    • Prequalification and Preapproval at Offer Time

    • What's in an Offer?

    • Offer Checklist

    • Your Real Estate Agent's Role

    • Summary

    • Module 7 - Quiz

  • 9

    Steps to Close

    • Introduction

    • The Purchase Agreement

    • The Home Inspection

    • The Appraisal

    • Home Warranties

    • Securing a Mortgage

    • Closing Costs and Pain Points

    • Homeowner's Insurance

    • Escrow

    • Title Insurance

    • The Closing

    • Welcome Home

    • Summary

    • Module 8 - Quiz

  • 10

    Sustaining Homeownership

    • Introduction

    • Saving for Emergencies & Maintenance

    • Energy Efficiency

    • Home Security

    • Insurance

    • Taxes

    • Homeowner's Associations

    • Preventing Foreclosure

    • Home Equity

    • Summary

    • Module 9 - Quiz

  • 11

    Course Conclusion

    • Congratulations

    • HomeTrek Final Quiz

    • HomeTrek Survey