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Homeownership Phone Counseling and Certificate

Homeownership Phone Counseling and Certificate

Some people who are in the process of buying a home will be told by their lender or broker to register for a pre-homeownership or landlord course. This is a self-paced learning opportunity that concludes with a content review, a brief phone interview with a trained, certified counselor, and the issuing of the required certificate.

Step #1

Read and study the appropriate pre-homeownership education materials, either online or download and print the manual. Please Complete the Monthly Expense Analysis and Course Content review in preparation for your phone interview.

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Step #2

Register for a phone interview either online or by fax. The forms below are used in the process. NOTE: ALL four forms must be completed in full before the interview can begin. If you need help please call (336) 773-0286.

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Online: Together the lender or real estate broker and the aspiring borrower complete the registration form and submit it on-line. Then print the course content review and monthly expense forms and retain these two forms for use at the time of the phone interview.

Via Fax: download the registration form, course content review, and monthly expense analysis forms. Complete and fax the registration form to 336-896-1927.

Step #3

When the completed registration forms are received, a Housing Counselor will contact you at the time selected on the form and conduct the telephone interview. If the completed form is received before noon, counseling the following business day may be possible. The interview will last approximately 20-30 minutes.

The counselor will ask additional questions to verify your understanding of the home buying process. Counselors are trained to be knowledgeable in all aspects of the home buying process and committed to making this a respectful, positive learning experience.

Step #4

Once the interview is successfully completed, a Certificate of Completion will be forwarded to the lender/broker listed as contact person on the registration form.

For more information on appointments or interviews, or to get an additional copy of a certificate, call toll free at (336)-773-0286 or email info@centerforhomeownership.org.

Program Cost

A fee of $125 is charged to the lender or broker listed on the Registration Form at the onset of the process. All counseling requires prepayment. If we have made several attempts to reach the borrower for the interview and learn that the interview request has been cancelled but we have not been notified, a $30 charge will apply.

The goal of reading and studying these materials is for a prospective homeowner to learn:

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How to shop for a home

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What brokers do and their role in home sales

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How to know whether a home is affordable

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How to choose the best type of mortgage loans

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How a lender decides whether to offer a loan

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What points and closing costs are

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The purpose of the various contracts involved

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The importance of a home inspection

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What contingencies are and how they protect buyers

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The pros and cons of owning versus renting

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Routine home maintenance tasks and their cost