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The Greater Kansas City Housing Information Center offers pre-purchase classes to residents interested in buying their first home. The classes cover important topics, including:

Step 1: Are You Ready for Homeownership

  1. What are the benefits and challenges to owning your own home?

  2. What are the differences between owning and renting?

  3. What are the steps in purchasing a home?

  4. Understanding the relationship between your income and loan limits?

  5. How do you qualify for a loan?

Step 2: How to prepare a household budget

  1. Why a household budget is important to homeownership.

  2. How to obtain and understand a credit report.

  3. How to correct poor credit.

  4. What are your rights as a consumer.

  5. What are the options for obtaining credit.

Step 3: Shopping for a Home

  1. Getting help from qualified companies.

  2. Determining what you can afford.

  3. Determining the type and size of house you need.

  4. What to look for in neighborhoods.

  5. Evaluating the Home Computer.

  6. Negotiating a real estate contract.

  7. How to determine a fair price.

Step 4: Shopping for a Mortgage Loan

  1. Understanding underwriting criteria.

  2. How to compare mortgage products.

  3. Types of lenders and types of loans.

  4. How to avoid mortgage fraud.

Step 5: Closing on Your Loan

  1. Understanding the loan process.

  2. Understanding the down payment and closing costs

  3. Title insurance

  4. Homeowner insurance

  5. Closing process

  6. What to do if your loan application is rejected

Step 6: The House is Yours, Now What?

  1. What needs routine maintenance

  2. How to determine a maintenance budget and set up an account

  3. Being a good neighbor

  4. Energy conservation

  5. Delinquent payments – what to do

All classes are underwritten by community sponsors and are offered at no cost to the public. Participants are taken on a first-come, first-served basis.

Call HIC at 816-931-0443 during regular business hours to find out about class schedules and locations and to register for a class.

© 2008 The Greater Kansas City Housing Information Center. All Rights Reserved.
Last modified 27 June 2008

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