- Go Homebuyer +info
Welcome to Go Homebuyer! Please click on the plus sign next to English Courses or Cursos en Español to get started.
- English Courses +info
All of the courses in this category are in English. Select the checkbox next to each course you want to enroll in. You may click on (info) next to the title to view the course description.
  Compare Lenders, Rates, and Closing Costs (GH109)  +description
FREE!
Prerequisites: None
Course Hours: 1:15
Course Meets Requirements for: N/A

Description:Shop ´til you drop! The lending market is very competitive. You may find it confusing to shop for a mortgage loan. Compare Lenders, Rates, and Closing Costs teaches you the tools to pick the best lender for you.

On this shopping extravaganza, you can:
  • Follow along with an on-screen instructor as you learn about interest rate changes, rate locks, and rate expirations.
  • Become a brainiac alongside the math wizard as you learn to calculate the cost of points.
  • Compute your way through a tutorial video to determine the breakeven point of purchasing points.
  • Take a slice out of the interactive pie chart as you view and learn about the three parts of closing costs.
  • Enter the virtual world to help Olive search for the best value from three different lenders.
So strap on your shopping shoes and get going! Compare Lenders, Rates, and Closing Costs and empower yourself to save money!

Recommended Courses:
Prepare to Apply for a Mortgage
Select the Right Mortgage for You
Discover How Much You Can Afford
FHA Mortgage Loans
Special Mortgage Options
Mortgage Math Made Easy
Understand Your Mortgage Disclosures

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
  Discover How Much You Can Afford (GH108)  +description
FREE!
Prerequisites: None
Course Hours: 01:15
Course Meets Requirements for: N/A

Description: Are you dreaming about a house with a white picket fence? Have you ever wondered what type of home you can afford? What exactly is the difference between a pre-qualification and a pre-approval? And which one do you need to achieve your goals? Discover How Much You Can Afford helps you with all of this and more.

Discover How Much You Can Afford takes you through a series of interactive experiences where you can:
  • Unravel the mysteries of the pre-qualification process as you climb the pre-qualification staircase.
  • Enjoy a video designed to help you avoid the pitfalls of being a co-signer.
  • Use your athletic prowess to power through gross monthly income calculations and other important equations.
  • Track your monthly expenses with a printable guide.
All of this and so much more awaits you in Discover How Much You Can Afford!

Recommended Courses:
Compare Lenders, Rates, and Closing Costs
Prepare to Apply for a Mortgage
FHA Mortgage Loans
Special Mortgage Options
Select the Right Mortgage for You
Discover if Homeownership is Right for You

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
  Facing Foreclosure (GH128)  +description
FREE!
Prerequisites: None
Course Hours: 1:15
Course Meets Requirements for: N/A

Description: Are you currently dealing with a financial crisis? If not, do you know someone who is? This overwhelming and scary situation can not only cause emotional distress, but also physical distress. It isn´t easy, but the only way out is to take control, and to educate and empower yourself.

Facing Foreclosure offers insight into your options when faced with this possible outcome. In this course, you can:
  • Take a stroll in our virtual park, get inside of the minds of the visitors, and determine which ones are at risk of a foreclosure.
  • Uncover the consequences of a foreclosure through corresponding images.
  • Hop on our default management timeline, complete with audio and visual cues, where you will learn how lenders handle missed payments.
  • Tag along with the Johnson family and their lender as they discover which loss mitigation option can help them avoid a foreclosure.
  • Assist Caryn Consultant, who works at Good Tips Magazine, in answering letters from readers who want to avoid a foreclosure by disposing of their homes.
  • Allow our on-screen instructor, animations, and images open your eyes to foreclosure scams and their consequences.
There are certified counselors available to help you with your options. Take Facing Foreclosure, contact a respected counselor, and take back your life!

Recommended Courses:
Market Facts and Trends
Protect Yourself from Predatory Lending
Select the Right Mortgage for You
Repair Your Credit
Understand Your Credit

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
  FHA Mortgage Loans (GH126)  +description
FREE!
Prerequisites: None
Course Hours: 1:00
Course Meets Requirements for: N/A

Description: Don't think you can buy a home? Do you have little credit history, credit problems, or no savings? The Federal Housing Administration (FHA) is here to save the day! This course assists those unfamiliar with this type of mortgage loan.

As you discover the treasure of FHA Mortgage Loans, you can:

  • Watch the on-screen instructor, and learn the characteristics of an FHA loan.
  • Open a treasure chest of splendid advantages.
  • Scan a cityscape of buildings to choose types of properties eligible for an FHA loan.
  • Be a math whiz and follow along with the animated wizard to calculate front-end and back-end ratios, required reserves, mortgage insurance premiums, the required down payment, and loan-to-value ratios.
  • Step into a fun activity to become an underwriter who draws on compensating factors to gain loan approval.
  • Follow Sally in a comic strip as she fulfills her dreams of homeownership using seller contributions.
Go in with your eyes wide open and discover the jewel of FHA Mortgage Loans!

Recommended Courses:
Select the Right Mortgage for You
Narrow Your Search for a Home
Prepare to Apply for a Mortgage
Mortgage Math Made Easy
Understand Your Credit
Repair Your Credit
Documents You Need to Provide
Compare Lenders, Rates, and Closing Costs
Make an Offer and Negotiate the Sale
Inspect the Home
Protect Yourself from Predatory Lending
Maintain Your Home
Maintain Your Mortgage Loan

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
  Finalize Your Mortgage (GH120)  +description
FREE!
Prerequisites: None
Course Hours: 0:45
Course Meets Requirements for: N/A

Description: Ready, set, go! The period of time from when the seller accepts your offer to closing is very busy and critical. There is nothing more devastating than losing your home because your mortgage loan fell through at the last minute. Finalize Your Mortgage walks you through the steps you must complete with your lender, homeowners insurance agent, and closing agent to finalize your financing.

As you navigate through Finalize Your Mortgage, you can:
  • Hear the sound of a telephone as you reveal the first three calls you should make once the sales contract is finalized.
  • Eavesdrop on one homebuyer's call to the lender, closing agent, and homeowners insurance agent.
  • Create your own "to do" list by selecting the mortgage options you should confirm with the lender.
  • View an entertaining video about the five parts of the title commitment, complete with visual animation and sound effects.
  • Take a sneak peek behind the scenes of a video that describes tasks the lender, closing agent, and homeowners insurance agent complete.
Get ready, complete your tasks, and Finalize Your Mortgage!

Recommended Courses:
Select the Right Mortgage for You
Documents You Need to Provide
Compare Lenders, Rates, and Closing Costs
Know Your Rights
Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
  Green Homes (GH129)  +description
FREE!
Prerequisites: N/A
Course Hours: 1:30
Course Meets Requirements for: N/A

Description: Do you want to live in greater comfort, protect your health, and save money while also protecting the environment? If the answer is "yes," then you want a green home! But what makes a home green? How do you find one to buy? Or how can you make your existing home greener?

Green Homes will sow the seed of knowledge, so you can have your very own green home. In this course, you can:
  • Dismantle a definition of a green home. Then explore each piece before putting it all back together.
  • Make your way along an interactive timeline to learn the history of green building.
  • Explore the environment and see how a green home can help protect the woods, water, air, and land.
  • Let the math wizard show you how a green home can save you money.
  • Zoom in on a green home! Take a tour of the various ways to increase energy efficiency, preserve natural resources, and improve the quality of the air inside a home.
  • Flip through a catalog of green certification programs that help protect you from greenwashing.
  • Go on a scavenger hunt to see if you can spot clues that tell you what\'s green in a home.
  • Create your own checklist of green upgrades for an existing home.
Fit your home into a greener lifestyle. Save your health, save your money, and help save the planet. Educating yourself about Green Homes is a first step in the right direction.

Recommended Courses:
Mortgage Math Made Easy
Discover How Much You Can Afford
Select the Right Mortgage for You
Market Facts and Trends
Required Overall Course Grade: 80%
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
  How to Buy a Foreclosure Property (GH130)  +description
FREE!
Prerequisites: None
Course Hours: 1:45
Course Meets Requirements for: N/A

Description: Are you looking to buy a home at a great price? Consider buying a foreclosure property. The foreclosure process can be lengthy. But at different points during the process, you have an opportunity to buy a home for less than what it might otherwise cost!

How to Buy a Foreclosure Property helps you make sense of what can be a complicated purchase. In this course, you can:
  • Walk along the foreclosure timeline to discover at what points you can buy the home.
  • Explore the step-by-step route to buy a short-sale, auction, REO, and HUD home.
  • Tag along with our math wizard as he calculates the offer price on a fictitious short-sale home.
  • Click on graphics to reveal the path a home takes to a foreclosure auction or accelerated sale.
  • Discover how REO and HUD homes differ from standard homes during an entertaining tutorial, complete with audio and cartoon animations.
  • Print out a reference guide that summarizes the steps outlined in the course to use while you buy your own foreclosure home!
Today's housing market is flooded with foreclosure properties. So take advantage! But first learn the process in How to Buy a Foreclosure Property!

Recommended Courses:
Select the Right Real Estate Professional for You
Make an Offer and Negotiate the Sale
Inspect the Home
Prepare for Closing
Find and View Homes
Prepare to Apply for a Mortgage
Finalize Your Mortgage
Select the Right Mortgage for You
Special Mortgage Options
FHA Mortgage Loans
Facing Foreclosure

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
  Inspect the Home (GH121)  +description
FREE!
Prerequisites: None
Course Hours: 0:50
Course Meets Requirements for: N/A

Description:Picture this: You find the perfect home. You buy the home. Then, a month later, the roof caves in. Talk about buyer's remorse! How do you make sure you get a good, solid home that the ravages of time, rainstorms, or hungry wolves can't huff, and puff, and blow right down? Inspect the Home teaches you how to avoid this situation.

Keep your eyes wide open as Inspect the Home presents you the following interactive experiences:
  • Join in an opening activity where you magnify the home to learn what happens during a general home inspection.
  • Tour our virtual home, and challenge yourself to view its systems and structures as a professional inspector would see it.
  • Help different homebuyers decide which inspections they need depending on their personal situations.
  • Expose the importance of a final walk-through with our on-screen instructor.
  • View and print out your own personal inspection checklist to take with you on your search for the perfect home.
Flush out all your doubts and questions. Make sure to Inspect the Home before closing the deal!

Recommended Courses:
Mortgage Math Made Easy
Maintain Your Home
Make an Offer and Negotiate the Sale
Find and View Homes
Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
  Maintain Your Mortgage Loan (GH125)  +description
FREE!
Prerequisites: None
Course Hours: 0:50
Course Meets Requirements for: N/A

Description: What a successful journey! You are the happiest new homeowner. But do you know how to keep your financial house in order? If you don't, you risk mortgage loan default, bankruptcy, and even foreclosure. Maintain Your Mortgage Loan teaches you how to take care of your loan.

Okay, so learning how to budget and maintain your equity is not as fun as picking out paint colors. But Maintain Your Mortgage Loan keeps your attention with splashes of animation, swatches of video entertainment, and opportunities for you to try your own hand:
  • Cheer on a runner as he illustrates how to overcome budget hurdles and keep your finances on track.
  • Click on pieces of the mortgage loan pie to learn what portions of your payment go where.
  • Watch an on-screen instructor explain how to complete a cash-out refinance.
  • Engage in an exercise where you help Mr. and Mrs. Johnson decide if a refinance is right for their family.
  • Observe another on-screen instructor offer advice on what to do if you fall behind on mortgage payments.
  • Print out a household budget form that you can use to keep your own finances in order.
Keep your finances fresh and vibrant, Maintain Your Mortgage Loan, and keep your home for years to come!

Recommended Courses:
Mortgage Math Made Easy
Select the Right Mortgage for You
Market Facts and Trends
Understand Your Mortgage Disclosures
Repair Your Credit
Facing Foreclosure

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
  Mortgage Math Made Easy (GH105)  +description
FREE!
Prerequisites: None
Course Hours: 01:15
Course Meets Requirements for: N/A

Description: LTV, CLTV, HCLTV, PITI: Are these text message abbreviations? Or are we in algebra class again? We could say yes to the latter. Loan officers who sell mortgage loans use various mathematical calculations. If you understand this math, you can speak to the loan officer about your mortgage loan much easier. Mortgage Math Made Easy teaches you basic mortgage math so you are prepared for this conversation.

Clear the cobwebs in your head, and take Mortgage Math Made Easy where you can:
  • Exercise your mind as the math wizard helps you calculate down payments and interest-only payments
    • .
  • Discover the steps to operate that mortgage calculator you bought years ago.
  • Calculate the mortgage payment on various examples as you follow step-by-step instructions and use our convenient on-screen calculator.
  • Play ball with our on-screen instructor who guides you through numerous calculations throughout the course, including LTV, CLTV, gross monthly income, front-end ratios, and back-end ratios.
Don't let math get the best of you. Empower yourself with Mortgage Math Made Easy, and take control of your next conversation with your lender!

Recommended Courses:
FHA Mortgage Loans
Special Mortgage Options
Select the Right Mortgage for You
Compare Lenders, Rates, and Closing Costs
Discover How Much You Can Afford

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
  Prepare for Closing (GH122)  +description
FREE!
Prerequisites: None
Course Hours: 0:55
Course Meets Requirements for: N/A

Description: Everyone likes surprises. But when it comes to surprises at the closing table, you'd rather pass. Prepare for Closing is a must-do course for anyone about to complete a mortgage loan closing.

In Prepare for Closing, a variety of interactives will light your path to the end of the loan process. Specifically, you can:
  • Navigate your way through the images and steps that lead up to closing.
  • Immerse yourself in our multi-media comic strip, where we explain what actually happens at closing.
  • Discover the funding process by walking up our interactive staircase.
  • Learn how escrow states are different with our audio and visual comparison.
  • Gather, sign, and file the documents you need for closing.
  • See video demonstrations of the closing, including who attends and the common title issues that can cause delays.
Go to your closing with confidence when you Prepare for Closing first!

Recommended Courses:
Make an Offer and Negotiate the Sale
Inspect the Home
Select the Right Mortgage for You
Understand Your Mortgage Disclosures
Key Players in Your Journey to Homeownership
Prepare to Apply for a Mortgage
Select the Right Real Estate Professional for You
Finalize Your Mortgage
Compare Lenders, Rates, and Closing Costs
Understand Your Credit
Protect Yourself from Predatory Lending

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
  Prepare to Apply for a Mortgage (GH111)  +description
FREE!
Prerequisites: None
Course Hours: 01:15
Course Meets Requirements for: N/A

Description: Does the thought of applying for a mortgage loan sound confusing and time-consuming? How do you know if the information a lender requests is the appropriate information for a mortgage loan application? In these uncertain times, are you concerned about who to trust with your personal information? Prepare to Apply for a Mortgage covers the information lenders need when you apply for a mortgage loan.

As you navigate through Prepare to Apply for a Mortgage, you can:
  • Test your strength with our carnival game designed to teach you the steps lenders take to approve a mortgage loan. Swing a mallet and ring the bell. Your prize is a loan approval!
  • Sit back and let our animated co-borrower and co-signer explain their similarities and differences.
  • Break down and enjoy an interactive tour of the standard mortgage loan application complete with audio.
  • Knock down any obstacles to owning a home as you discover the laws that exist to protect you during the home-buying process.
  • Meet comic strip characters depicting how changes in your shopping habits can impact your mortgage application in process.
Take the worry out of the mortgage application process when you Prepare to Apply for a Mortgage!

Recommended Courses:
Discover How Much You Can Afford
Compare Lenders, Rates, and Closing Costs
Select the Right Mortgage for You
Special Mortgage Options
Mortgage Math Made Easy
Narrow Your Search for a Home
Understand Your Mortgage Disclosures
Know Your Rights

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
  Protect Yourself from Predatory Lending (GH115)  +description
FREE!
Prerequisites: None
Course Hours: 01:00
Course Meets Requirements for: N/A

Description: Let's face it. We live in a world where predators exist! It's easier to face these predators when you are educated. Protect Yourself from Predatory Lending arms you with the knowledge to shield yourself from abusive practices.

This course takes a serious issue and makes it engaging so you learn all the warning signs! In this course, you can:
  • Allow a situational audio outline the predatory tactics lenders may use.
  • Uncover the difference between subprime and predatory lending from one of our on-screen instructors.
  • Take a guess to match the various types of predatory lending with their descriptions in our interactive drag-and-drop activity.
  • Watch and participate in several tutorial videos that make yield spread premiums as kickbacks, property flipping, and false bailout situations real.
  • Assist our on-screen investigators as they determine the true victims of predatory lending.
  • Discover the warning signs of predatory lending as you hike your way down the safest path to your new home. Be sure to look out for the various predatory obstacles!
Don't be a victim. Know who is at risk, and Protect Yourself from Predatory Lending!

Recommended Courses:
Compare Lenders, Rates, and Closing Costs
Select the Right Mortgage for You

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
  Select the Right Mortgage for You (GH106)  +description
FREE!
Prerequisites: None
Course Hours: 01:15
Course Meets Requirements for: N/A

Description: What is a conventional mortgage loan? What does FHA mean? And what is an ARM anyway? Isn't it bad, and shouldn't you always get a fixed rate mortgage? When it comes to choosing the right mortgage loan for you, where do you even start? VA, reverse, balloon, interest-only, option ARMs: everyone has an opinion, and it's enough to make your head spin! Select the Right Mortgage for You is a guide to everything you need to know about the most popular and most talked about mortgage loans.

In Select the Right Mortgage for You, you can:
  • Uncover the mystery of amortization in several engaging tutorial videos.
  • Enjoy the competition at the racetrack as the 15-year fixed rate mortgage takes on everyone's favorite 30-year fixed rate mortgage.
  • Drag and drop the components of an ARM to their definitions so you can piece together the purpose of this mortgage loan.
  • Visit our math wizard, follow along with our on-screen instructor, and allow illustrative graphics to teach you about ARM caps, prepayment penalties, balloon mortgages, and reverse mortgages.
  • Stop at our virtual bank, get inside the mind of the customers, and decide which mortgage loan fits each customer best.
This engaging course provides the information all loan officers must learn to sell mortgage loans. Don't allow loan officers to sell you a mortgage loan. Instead, walk their walk, talk their talk, and Select the Right Mortgage for You!

Recommended Courses:
FHA Mortgage Loans
Discover How Much You Can Afford
Understand Your Mortgage Disclosures
Protect Yourself from Predatory Lending

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
  Special Mortgage Options (GH107)  +description
FREE!
Prerequisites: None
Course Hours: 01:00
Course Meets Requirements for: N/A

Description: So what happens if you do not fit within the lender's normal guidelines for approving a mortgage loan? Perhaps you do not have a lot of money for a down payment, or your credit is less than perfect. Are you stuck renting until you save enough money or improve your credit? Special Mortgage Options explains the different mortgage loan programs available to assist you with your goal of homeownership.


Special Mortgage Options explains these programs using various interactive situations where you can:
  • Sort out the differences between government and non-government loan programs by viewing a constructive graphic.
  • Visit our on-screen instructor who describes special mortgage options, 203(k) loans, bond programs, and so on.
  • Open our virtual curtains to reveal FHA loan features.
  • Call on the math wizard to help you calculate mortgage insurance on FHA loans.
  • Drag and drop different mortgage loan programs, such as community lending and stated income programs, to their definitions and receive immediate feedback.
  • Participate in our engaging activity where you determine the features of the Officer Next Door, Emergency Medical Technician Next Door, and Teacher Next Door programs.
Not every program is right for you. Special Mortgage Options simplifies the choices so you are one step closer to owning a home of your own!

Recommended Courses:
FHA Mortgage Loans

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
  Understand Your Credit (GH103)  +description
FREE!
Prerequisites: None
Course Hours: 1:00
Course Meets Requirements for: N/A

Description: What is your credit score? Where do you find it? Is it high enough to qualify for a mortgage loan? Understand Your Credit answers these and other credit-related questions.

Understand Your Credit takes you through a series of interactive experiences where you can:
  • Take a chance, and spin the wheel on the credit game board to discover factors that affect your credit score.
  • Be a math whiz as you follow along with the animated wizard to calculate credit balances.
  • Maneuver your way through a series of entertaining videos where you learn first-class credit practices.
  • Defeat the misconceptions of credit as you participate in a fun interactive challenge.
In Understand Your Credit, you take control of your credit future!

Recommended Courses:
Repair Your Credit
Protect Yourself from Predatory Lending

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
  You and the Economy (GH127)  +description
FREE!
Prerequisites: None
Course Hours: 1:00
Course Meets Requirements for: N/A

Description: There are various events that led to the 2008 financial crisis. You and the Economy does not attempt to explain every aspect of these events. However, this course does provide an understanding of how the housing market and foreclosures can impact the entire economy.

This course offers a series of interactive experiences where you can:
  • Explore the maze of connections between the mortgage and financial scenes in a tutorial video with graphics.
  • Print out a copy of the alarming tale about a bursting housing bubble that spread financial chaos around the world.
  • Immerse yourself in a story that explains how the financial crisis affects an all-American family.
  • Solidify what you just learned with a drag-and-drop interactive test.
A financial crisis is scary enough as it is. You and the Economy can take some of that fear away by providing you a foundation of knowledge.

Recommended Courses:
Repair Your Credit
Discover if Homeownership is Right for You
Select the Right Mortgage for You
Special Mortgage Options
Maintain Your Mortgage Loan
Compare Lenders, Rates, and Closing Costs
Prepare to Apply for a Mortgage

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
+FHA Loan Course Package  +description
FREE!

This package is designed for homebuyers that are interested in obtaining a Federal Housing Administration (FHA) Loan. These loans are insured by the FHA and are offered by many lenders.

This package includes the courses below. We recommend you complete these courses in the following order:

  1. Compare Lenders, Rates, and Closing Costs
  2. Discover Home Much You Can Afford
  3. FHA Mortgage Loans
  4. Finalize Your Mortgage
  5. Inspect the Home
  6. Mortgage Math Made Easy
  7. Prepare For Closing
  8. Prepare to Apply for a Mortgage
  9. Protect Yourself from Predatory Lending
  10. Select the Right Mortgage for You
  11. Understand Your Credit

Mortgage Math Made Easy (GH105)  +description
Prerequisites: None
Course Hours: 01:15
Course Meets Requirements for: N/A

Description: LTV, CLTV, HCLTV, PITI: Are these text message abbreviations? Or are we in algebra class again? We could say yes to the latter. Loan officers who sell mortgage loans use various mathematical calculations. If you understand this math, you can speak to the loan officer about your mortgage loan much easier. Mortgage Math Made Easy teaches you basic mortgage math so you are prepared for this conversation.

Clear the cobwebs in your head, and take Mortgage Math Made Easy where you can:
  • Exercise your mind as the math wizard helps you calculate down payments and interest-only payments
    • .
  • Discover the steps to operate that mortgage calculator you bought years ago.
  • Calculate the mortgage payment on various examples as you follow step-by-step instructions and use our convenient on-screen calculator.
  • Play ball with our on-screen instructor who guides you through numerous calculations throughout the course, including LTV, CLTV, gross monthly income, front-end ratios, and back-end ratios.
Don't let math get the best of you. Empower yourself with Mortgage Math Made Easy, and take control of your next conversation with your lender!

Recommended Courses:
FHA Mortgage Loans
Special Mortgage Options
Select the Right Mortgage for You
Compare Lenders, Rates, and Closing Costs
Discover How Much You Can Afford

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
Prepare to Apply for a Mortgage (GH111)  +description
Prerequisites: None
Course Hours: 01:15
Course Meets Requirements for: N/A

Description: Does the thought of applying for a mortgage loan sound confusing and time-consuming? How do you know if the information a lender requests is the appropriate information for a mortgage loan application? In these uncertain times, are you concerned about who to trust with your personal information? Prepare to Apply for a Mortgage covers the information lenders need when you apply for a mortgage loan.

As you navigate through Prepare to Apply for a Mortgage, you can:
  • Test your strength with our carnival game designed to teach you the steps lenders take to approve a mortgage loan. Swing a mallet and ring the bell. Your prize is a loan approval!
  • Sit back and let our animated co-borrower and co-signer explain their similarities and differences.
  • Break down and enjoy an interactive tour of the standard mortgage loan application complete with audio.
  • Knock down any obstacles to owning a home as you discover the laws that exist to protect you during the home-buying process.
  • Meet comic strip characters depicting how changes in your shopping habits can impact your mortgage application in process.
Take the worry out of the mortgage application process when you Prepare to Apply for a Mortgage!

Recommended Courses:
Discover How Much You Can Afford
Compare Lenders, Rates, and Closing Costs
Select the Right Mortgage for You
Special Mortgage Options
Mortgage Math Made Easy
Narrow Your Search for a Home
Understand Your Mortgage Disclosures
Know Your Rights

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
Protect Yourself from Predatory Lending (GH115)  +description
Prerequisites: None
Course Hours: 01:00
Course Meets Requirements for: N/A

Description: Let's face it. We live in a world where predators exist! It's easier to face these predators when you are educated. Protect Yourself from Predatory Lending arms you with the knowledge to shield yourself from abusive practices.

This course takes a serious issue and makes it engaging so you learn all the warning signs! In this course, you can:
  • Allow a situational audio outline the predatory tactics lenders may use.
  • Uncover the difference between subprime and predatory lending from one of our on-screen instructors.
  • Take a guess to match the various types of predatory lending with their descriptions in our interactive drag-and-drop activity.
  • Watch and participate in several tutorial videos that make yield spread premiums as kickbacks, property flipping, and false bailout situations real.
  • Assist our on-screen investigators as they determine the true victims of predatory lending.
  • Discover the warning signs of predatory lending as you hike your way down the safest path to your new home. Be sure to look out for the various predatory obstacles!
Don't be a victim. Know who is at risk, and Protect Yourself from Predatory Lending!

Recommended Courses:
Compare Lenders, Rates, and Closing Costs
Select the Right Mortgage for You

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
Select the Right Mortgage for You (GH106)  +description
Prerequisites: None
Course Hours: 01:15
Course Meets Requirements for: N/A

Description: What is a conventional mortgage loan? What does FHA mean? And what is an ARM anyway? Isn't it bad, and shouldn't you always get a fixed rate mortgage? When it comes to choosing the right mortgage loan for you, where do you even start? VA, reverse, balloon, interest-only, option ARMs: everyone has an opinion, and it's enough to make your head spin! Select the Right Mortgage for You is a guide to everything you need to know about the most popular and most talked about mortgage loans.

In Select the Right Mortgage for You, you can:
  • Uncover the mystery of amortization in several engaging tutorial videos.
  • Enjoy the competition at the racetrack as the 15-year fixed rate mortgage takes on everyone's favorite 30-year fixed rate mortgage.
  • Drag and drop the components of an ARM to their definitions so you can piece together the purpose of this mortgage loan.
  • Visit our math wizard, follow along with our on-screen instructor, and allow illustrative graphics to teach you about ARM caps, prepayment penalties, balloon mortgages, and reverse mortgages.
  • Stop at our virtual bank, get inside the mind of the customers, and decide which mortgage loan fits each customer best.
This engaging course provides the information all loan officers must learn to sell mortgage loans. Don't allow loan officers to sell you a mortgage loan. Instead, walk their walk, talk their talk, and Select the Right Mortgage for You!

Recommended Courses:
FHA Mortgage Loans
Discover How Much You Can Afford
Understand Your Mortgage Disclosures
Protect Yourself from Predatory Lending

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
Discover How Much You Can Afford (GH108)  +description
Prerequisites: None
Course Hours: 01:15
Course Meets Requirements for: N/A

Description: Are you dreaming about a house with a white picket fence? Have you ever wondered what type of home you can afford? What exactly is the difference between a pre-qualification and a pre-approval? And which one do you need to achieve your goals? Discover How Much You Can Afford helps you with all of this and more.

Discover How Much You Can Afford takes you through a series of interactive experiences where you can:
  • Unravel the mysteries of the pre-qualification process as you climb the pre-qualification staircase.
  • Enjoy a video designed to help you avoid the pitfalls of being a co-signer.
  • Use your athletic prowess to power through gross monthly income calculations and other important equations.
  • Track your monthly expenses with a printable guide.
All of this and so much more awaits you in Discover How Much You Can Afford!

Recommended Courses:
Compare Lenders, Rates, and Closing Costs
Prepare to Apply for a Mortgage
FHA Mortgage Loans
Special Mortgage Options
Select the Right Mortgage for You
Discover if Homeownership is Right for You

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
FHA Mortgage Loans (GH126)  +description
Prerequisites: None
Course Hours: 1:00
Course Meets Requirements for: N/A

Description: Don't think you can buy a home? Do you have little credit history, credit problems, or no savings? The Federal Housing Administration (FHA) is here to save the day! This course assists those unfamiliar with this type of mortgage loan.

As you discover the treasure of FHA Mortgage Loans, you can:

  • Watch the on-screen instructor, and learn the characteristics of an FHA loan.
  • Open a treasure chest of splendid advantages.
  • Scan a cityscape of buildings to choose types of properties eligible for an FHA loan.
  • Be a math whiz and follow along with the animated wizard to calculate front-end and back-end ratios, required reserves, mortgage insurance premiums, the required down payment, and loan-to-value ratios.
  • Step into a fun activity to become an underwriter who draws on compensating factors to gain loan approval.
  • Follow Sally in a comic strip as she fulfills her dreams of homeownership using seller contributions.
Go in with your eyes wide open and discover the jewel of FHA Mortgage Loans!

Recommended Courses:
Select the Right Mortgage for You
Narrow Your Search for a Home
Prepare to Apply for a Mortgage
Mortgage Math Made Easy
Understand Your Credit
Repair Your Credit
Documents You Need to Provide
Compare Lenders, Rates, and Closing Costs
Make an Offer and Negotiate the Sale
Inspect the Home
Protect Yourself from Predatory Lending
Maintain Your Home
Maintain Your Mortgage Loan

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
Understand Your Credit (GH103)  +description
Prerequisites: None
Course Hours: 1:00
Course Meets Requirements for: N/A

Description: What is your credit score? Where do you find it? Is it high enough to qualify for a mortgage loan? Understand Your Credit answers these and other credit-related questions.

Understand Your Credit takes you through a series of interactive experiences where you can:
  • Take a chance, and spin the wheel on the credit game board to discover factors that affect your credit score.
  • Be a math whiz as you follow along with the animated wizard to calculate credit balances.
  • Maneuver your way through a series of entertaining videos where you learn first-class credit practices.
  • Defeat the misconceptions of credit as you participate in a fun interactive challenge.
In Understand Your Credit, you take control of your credit future!

Recommended Courses:
Repair Your Credit
Protect Yourself from Predatory Lending

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
Compare Lenders, Rates, and Closing Costs (GH109)  +description
Prerequisites: None
Course Hours: 1:15
Course Meets Requirements for: N/A

Description:Shop ´til you drop! The lending market is very competitive. You may find it confusing to shop for a mortgage loan. Compare Lenders, Rates, and Closing Costs teaches you the tools to pick the best lender for you.

On this shopping extravaganza, you can:
  • Follow along with an on-screen instructor as you learn about interest rate changes, rate locks, and rate expirations.
  • Become a brainiac alongside the math wizard as you learn to calculate the cost of points.
  • Compute your way through a tutorial video to determine the breakeven point of purchasing points.
  • Take a slice out of the interactive pie chart as you view and learn about the three parts of closing costs.
  • Enter the virtual world to help Olive search for the best value from three different lenders.
So strap on your shopping shoes and get going! Compare Lenders, Rates, and Closing Costs and empower yourself to save money!

Recommended Courses:
Prepare to Apply for a Mortgage
Select the Right Mortgage for You
Discover How Much You Can Afford
FHA Mortgage Loans
Special Mortgage Options
Mortgage Math Made Easy
Understand Your Mortgage Disclosures

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
Inspect the Home (GH121)  +description
Prerequisites: None
Course Hours: 0:50
Course Meets Requirements for: N/A

Description:Picture this: You find the perfect home. You buy the home. Then, a month later, the roof caves in. Talk about buyer's remorse! How do you make sure you get a good, solid home that the ravages of time, rainstorms, or hungry wolves can't huff, and puff, and blow right down? Inspect the Home teaches you how to avoid this situation.

Keep your eyes wide open as Inspect the Home presents you the following interactive experiences:
  • Join in an opening activity where you magnify the home to learn what happens during a general home inspection.
  • Tour our virtual home, and challenge yourself to view its systems and structures as a professional inspector would see it.
  • Help different homebuyers decide which inspections they need depending on their personal situations.
  • Expose the importance of a final walk-through with our on-screen instructor.
  • View and print out your own personal inspection checklist to take with you on your search for the perfect home.
Flush out all your doubts and questions. Make sure to Inspect the Home before closing the deal!

Recommended Courses:
Mortgage Math Made Easy
Maintain Your Home
Make an Offer and Negotiate the Sale
Find and View Homes
Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
Finalize Your Mortgage (GH120)  +description
Prerequisites: None
Course Hours: 0:45
Course Meets Requirements for: N/A

Description: Ready, set, go! The period of time from when the seller accepts your offer to closing is very busy and critical. There is nothing more devastating than losing your home because your mortgage loan fell through at the last minute. Finalize Your Mortgage walks you through the steps you must complete with your lender, homeowners insurance agent, and closing agent to finalize your financing.

As you navigate through Finalize Your Mortgage, you can:
  • Hear the sound of a telephone as you reveal the first three calls you should make once the sales contract is finalized.
  • Eavesdrop on one homebuyer's call to the lender, closing agent, and homeowners insurance agent.
  • Create your own "to do" list by selecting the mortgage options you should confirm with the lender.
  • View an entertaining video about the five parts of the title commitment, complete with visual animation and sound effects.
  • Take a sneak peek behind the scenes of a video that describes tasks the lender, closing agent, and homeowners insurance agent complete.
Get ready, complete your tasks, and Finalize Your Mortgage!

Recommended Courses:
Select the Right Mortgage for You
Documents You Need to Provide
Compare Lenders, Rates, and Closing Costs
Know Your Rights
Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
Prepare for Closing (GH122)  +description
Prerequisites: None
Course Hours: 0:55
Course Meets Requirements for: N/A

Description: Everyone likes surprises. But when it comes to surprises at the closing table, you'd rather pass. Prepare for Closing is a must-do course for anyone about to complete a mortgage loan closing.

In Prepare for Closing, a variety of interactives will light your path to the end of the loan process. Specifically, you can:
  • Navigate your way through the images and steps that lead up to closing.
  • Immerse yourself in our multi-media comic strip, where we explain what actually happens at closing.
  • Discover the funding process by walking up our interactive staircase.
  • Learn how escrow states are different with our audio and visual comparison.
  • Gather, sign, and file the documents you need for closing.
  • See video demonstrations of the closing, including who attends and the common title issues that can cause delays.
Go to your closing with confidence when you Prepare for Closing first!

Recommended Courses:
Make an Offer and Negotiate the Sale
Inspect the Home
Select the Right Mortgage for You
Understand Your Mortgage Disclosures
Key Players in Your Journey to Homeownership
Prepare to Apply for a Mortgage
Select the Right Real Estate Professional for You
Finalize Your Mortgage
Compare Lenders, Rates, and Closing Costs
Understand Your Credit
Protect Yourself from Predatory Lending

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
+Conventional Loan Course Package  +description
FREE!

This package is designed for homebuyers that plan to obtain a loan that is not a government loan. Government loans are those that are insured by the FHA or guaranteed by the Veterans Administrations (VA).

This package includes the courses below. We recommend you complete these courses in the following order:

  1. Compare Lenders, Rates, and Closing Costs
  2. Discover Home Much You Can Afford
  3. FHA Mortgage Loans
  4. Finalize Your Mortgage
  5. Inspect the Home
  6. Mortgage Math Made Easy
  7. Prepare For Closing
  8. Prepare to Apply for a Mortgage
  9. Protect Yourself from Predatory Lending
  10. Select the Right Mortgage for You
  11. Understand Your Credit

Mortgage Math Made Easy (GH105)  +description
Prerequisites: None
Course Hours: 01:15
Course Meets Requirements for: N/A

Description: LTV, CLTV, HCLTV, PITI: Are these text message abbreviations? Or are we in algebra class again? We could say yes to the latter. Loan officers who sell mortgage loans use various mathematical calculations. If you understand this math, you can speak to the loan officer about your mortgage loan much easier. Mortgage Math Made Easy teaches you basic mortgage math so you are prepared for this conversation.

Clear the cobwebs in your head, and take Mortgage Math Made Easy where you can:
  • Exercise your mind as the math wizard helps you calculate down payments and interest-only payments
    • .
  • Discover the steps to operate that mortgage calculator you bought years ago.
  • Calculate the mortgage payment on various examples as you follow step-by-step instructions and use our convenient on-screen calculator.
  • Play ball with our on-screen instructor who guides you through numerous calculations throughout the course, including LTV, CLTV, gross monthly income, front-end ratios, and back-end ratios.
Don't let math get the best of you. Empower yourself with Mortgage Math Made Easy, and take control of your next conversation with your lender!

Recommended Courses:
FHA Mortgage Loans
Special Mortgage Options
Select the Right Mortgage for You
Compare Lenders, Rates, and Closing Costs
Discover How Much You Can Afford

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
Prepare to Apply for a Mortgage (GH111)  +description
Prerequisites: None
Course Hours: 01:15
Course Meets Requirements for: N/A

Description: Does the thought of applying for a mortgage loan sound confusing and time-consuming? How do you know if the information a lender requests is the appropriate information for a mortgage loan application? In these uncertain times, are you concerned about who to trust with your personal information? Prepare to Apply for a Mortgage covers the information lenders need when you apply for a mortgage loan.

As you navigate through Prepare to Apply for a Mortgage, you can:
  • Test your strength with our carnival game designed to teach you the steps lenders take to approve a mortgage loan. Swing a mallet and ring the bell. Your prize is a loan approval!
  • Sit back and let our animated co-borrower and co-signer explain their similarities and differences.
  • Break down and enjoy an interactive tour of the standard mortgage loan application complete with audio.
  • Knock down any obstacles to owning a home as you discover the laws that exist to protect you during the home-buying process.
  • Meet comic strip characters depicting how changes in your shopping habits can impact your mortgage application in process.
Take the worry out of the mortgage application process when you Prepare to Apply for a Mortgage!

Recommended Courses:
Discover How Much You Can Afford
Compare Lenders, Rates, and Closing Costs
Select the Right Mortgage for You
Special Mortgage Options
Mortgage Math Made Easy
Narrow Your Search for a Home
Understand Your Mortgage Disclosures
Know Your Rights

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
Protect Yourself from Predatory Lending (GH115)  +description
Prerequisites: None
Course Hours: 01:00
Course Meets Requirements for: N/A

Description: Let's face it. We live in a world where predators exist! It's easier to face these predators when you are educated. Protect Yourself from Predatory Lending arms you with the knowledge to shield yourself from abusive practices.

This course takes a serious issue and makes it engaging so you learn all the warning signs! In this course, you can:
  • Allow a situational audio outline the predatory tactics lenders may use.
  • Uncover the difference between subprime and predatory lending from one of our on-screen instructors.
  • Take a guess to match the various types of predatory lending with their descriptions in our interactive drag-and-drop activity.
  • Watch and participate in several tutorial videos that make yield spread premiums as kickbacks, property flipping, and false bailout situations real.
  • Assist our on-screen investigators as they determine the true victims of predatory lending.
  • Discover the warning signs of predatory lending as you hike your way down the safest path to your new home. Be sure to look out for the various predatory obstacles!
Don't be a victim. Know who is at risk, and Protect Yourself from Predatory Lending!

Recommended Courses:
Compare Lenders, Rates, and Closing Costs
Select the Right Mortgage for You

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
Special Mortgage Options (GH107)  +description
Prerequisites: None
Course Hours: 01:00
Course Meets Requirements for: N/A

Description: So what happens if you do not fit within the lender's normal guidelines for approving a mortgage loan? Perhaps you do not have a lot of money for a down payment, or your credit is less than perfect. Are you stuck renting until you save enough money or improve your credit? Special Mortgage Options explains the different mortgage loan programs available to assist you with your goal of homeownership.


Special Mortgage Options explains these programs using various interactive situations where you can:
  • Sort out the differences between government and non-government loan programs by viewing a constructive graphic.
  • Visit our on-screen instructor who describes special mortgage options, 203(k) loans, bond programs, and so on.
  • Open our virtual curtains to reveal FHA loan features.
  • Call on the math wizard to help you calculate mortgage insurance on FHA loans.
  • Drag and drop different mortgage loan programs, such as community lending and stated income programs, to their definitions and receive immediate feedback.
  • Participate in our engaging activity where you determine the features of the Officer Next Door, Emergency Medical Technician Next Door, and Teacher Next Door programs.
Not every program is right for you. Special Mortgage Options simplifies the choices so you are one step closer to owning a home of your own!

Recommended Courses:
FHA Mortgage Loans

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
Select the Right Mortgage for You (GH106)  +description
Prerequisites: None
Course Hours: 01:15
Course Meets Requirements for: N/A

Description: What is a conventional mortgage loan? What does FHA mean? And what is an ARM anyway? Isn't it bad, and shouldn't you always get a fixed rate mortgage? When it comes to choosing the right mortgage loan for you, where do you even start? VA, reverse, balloon, interest-only, option ARMs: everyone has an opinion, and it's enough to make your head spin! Select the Right Mortgage for You is a guide to everything you need to know about the most popular and most talked about mortgage loans.

In Select the Right Mortgage for You, you can:
  • Uncover the mystery of amortization in several engaging tutorial videos.
  • Enjoy the competition at the racetrack as the 15-year fixed rate mortgage takes on everyone's favorite 30-year fixed rate mortgage.
  • Drag and drop the components of an ARM to their definitions so you can piece together the purpose of this mortgage loan.
  • Visit our math wizard, follow along with our on-screen instructor, and allow illustrative graphics to teach you about ARM caps, prepayment penalties, balloon mortgages, and reverse mortgages.
  • Stop at our virtual bank, get inside the mind of the customers, and decide which mortgage loan fits each customer best.
This engaging course provides the information all loan officers must learn to sell mortgage loans. Don't allow loan officers to sell you a mortgage loan. Instead, walk their walk, talk their talk, and Select the Right Mortgage for You!

Recommended Courses:
FHA Mortgage Loans
Discover How Much You Can Afford
Understand Your Mortgage Disclosures
Protect Yourself from Predatory Lending

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
Discover How Much You Can Afford (GH108)  +description
Prerequisites: None
Course Hours: 01:15
Course Meets Requirements for: N/A

Description: Are you dreaming about a house with a white picket fence? Have you ever wondered what type of home you can afford? What exactly is the difference between a pre-qualification and a pre-approval? And which one do you need to achieve your goals? Discover How Much You Can Afford helps you with all of this and more.

Discover How Much You Can Afford takes you through a series of interactive experiences where you can:
  • Unravel the mysteries of the pre-qualification process as you climb the pre-qualification staircase.
  • Enjoy a video designed to help you avoid the pitfalls of being a co-signer.
  • Use your athletic prowess to power through gross monthly income calculations and other important equations.
  • Track your monthly expenses with a printable guide.
All of this and so much more awaits you in Discover How Much You Can Afford!

Recommended Courses:
Compare Lenders, Rates, and Closing Costs
Prepare to Apply for a Mortgage
FHA Mortgage Loans
Special Mortgage Options
Select the Right Mortgage for You
Discover if Homeownership is Right for You

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
Understand Your Credit (GH103)  +description
Prerequisites: None
Course Hours: 1:00
Course Meets Requirements for: N/A

Description: What is your credit score? Where do you find it? Is it high enough to qualify for a mortgage loan? Understand Your Credit answers these and other credit-related questions.

Understand Your Credit takes you through a series of interactive experiences where you can:
  • Take a chance, and spin the wheel on the credit game board to discover factors that affect your credit score.
  • Be a math whiz as you follow along with the animated wizard to calculate credit balances.
  • Maneuver your way through a series of entertaining videos where you learn first-class credit practices.
  • Defeat the misconceptions of credit as you participate in a fun interactive challenge.
In Understand Your Credit, you take control of your credit future!

Recommended Courses:
Repair Your Credit
Protect Yourself from Predatory Lending

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
Compare Lenders, Rates, and Closing Costs (GH109)  +description
Prerequisites: None
Course Hours: 1:15
Course Meets Requirements for: N/A

Description:Shop ´til you drop! The lending market is very competitive. You may find it confusing to shop for a mortgage loan. Compare Lenders, Rates, and Closing Costs teaches you the tools to pick the best lender for you.

On this shopping extravaganza, you can:
  • Follow along with an on-screen instructor as you learn about interest rate changes, rate locks, and rate expirations.
  • Become a brainiac alongside the math wizard as you learn to calculate the cost of points.
  • Compute your way through a tutorial video to determine the breakeven point of purchasing points.
  • Take a slice out of the interactive pie chart as you view and learn about the three parts of closing costs.
  • Enter the virtual world to help Olive search for the best value from three different lenders.
So strap on your shopping shoes and get going! Compare Lenders, Rates, and Closing Costs and empower yourself to save money!

Recommended Courses:
Prepare to Apply for a Mortgage
Select the Right Mortgage for You
Discover How Much You Can Afford
FHA Mortgage Loans
Special Mortgage Options
Mortgage Math Made Easy
Understand Your Mortgage Disclosures

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
Inspect the Home (GH121)  +description
Prerequisites: None
Course Hours: 0:50
Course Meets Requirements for: N/A

Description:Picture this: You find the perfect home. You buy the home. Then, a month later, the roof caves in. Talk about buyer's remorse! How do you make sure you get a good, solid home that the ravages of time, rainstorms, or hungry wolves can't huff, and puff, and blow right down? Inspect the Home teaches you how to avoid this situation.

Keep your eyes wide open as Inspect the Home presents you the following interactive experiences:
  • Join in an opening activity where you magnify the home to learn what happens during a general home inspection.
  • Tour our virtual home, and challenge yourself to view its systems and structures as a professional inspector would see it.
  • Help different homebuyers decide which inspections they need depending on their personal situations.
  • Expose the importance of a final walk-through with our on-screen instructor.
  • View and print out your own personal inspection checklist to take with you on your search for the perfect home.
Flush out all your doubts and questions. Make sure to Inspect the Home before closing the deal!

Recommended Courses:
Mortgage Math Made Easy
Maintain Your Home
Make an Offer and Negotiate the Sale
Find and View Homes
Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
Finalize Your Mortgage (GH120)  +description
Prerequisites: None
Course Hours: 0:45
Course Meets Requirements for: N/A

Description: Ready, set, go! The period of time from when the seller accepts your offer to closing is very busy and critical. There is nothing more devastating than losing your home because your mortgage loan fell through at the last minute. Finalize Your Mortgage walks you through the steps you must complete with your lender, homeowners insurance agent, and closing agent to finalize your financing.

As you navigate through Finalize Your Mortgage, you can:
  • Hear the sound of a telephone as you reveal the first three calls you should make once the sales contract is finalized.
  • Eavesdrop on one homebuyer's call to the lender, closing agent, and homeowners insurance agent.
  • Create your own "to do" list by selecting the mortgage options you should confirm with the lender.
  • View an entertaining video about the five parts of the title commitment, complete with visual animation and sound effects.
  • Take a sneak peek behind the scenes of a video that describes tasks the lender, closing agent, and homeowners insurance agent complete.
Get ready, complete your tasks, and Finalize Your Mortgage!

Recommended Courses:
Select the Right Mortgage for You
Documents You Need to Provide
Compare Lenders, Rates, and Closing Costs
Know Your Rights
Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
Prepare for Closing (GH122)  +description
Prerequisites: None
Course Hours: 0:55
Course Meets Requirements for: N/A

Description: Everyone likes surprises. But when it comes to surprises at the closing table, you'd rather pass. Prepare for Closing is a must-do course for anyone about to complete a mortgage loan closing.

In Prepare for Closing, a variety of interactives will light your path to the end of the loan process. Specifically, you can:
  • Navigate your way through the images and steps that lead up to closing.
  • Immerse yourself in our multi-media comic strip, where we explain what actually happens at closing.
  • Discover the funding process by walking up our interactive staircase.
  • Learn how escrow states are different with our audio and visual comparison.
  • Gather, sign, and file the documents you need for closing.
  • See video demonstrations of the closing, including who attends and the common title issues that can cause delays.
Go to your closing with confidence when you Prepare for Closing first!

Recommended Courses:
Make an Offer and Negotiate the Sale
Inspect the Home
Select the Right Mortgage for You
Understand Your Mortgage Disclosures
Key Players in Your Journey to Homeownership
Prepare to Apply for a Mortgage
Select the Right Real Estate Professional for You
Finalize Your Mortgage
Compare Lenders, Rates, and Closing Costs
Understand Your Credit
Protect Yourself from Predatory Lending

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
+HOAP 2010 Course Package  +description
FREE!
HOAP promotes responsible homeownership, and we realize that in today´s world it´s not always possible to attend a live home buyer class. For that reason, we have partnered with gohomebuyer.com to ensure you have as many resources as possible to put you on the right path to homeownership. This course package allows to you to register for all available Go Homebuyer! courses under HOAP. These home buying courses are free, easy to use, and available to you 24 hours a day!
Maintain Your Mortgage Loan (GH125)  +description
Prerequisites: None
Course Hours: 0:50
Course Meets Requirements for: N/A

Description: What a successful journey! You are the happiest new homeowner. But do you know how to keep your financial house in order? If you don't, you risk mortgage loan default, bankruptcy, and even foreclosure. Maintain Your Mortgage Loan teaches you how to take care of your loan.

Okay, so learning how to budget and maintain your equity is not as fun as picking out paint colors. But Maintain Your Mortgage Loan keeps your attention with splashes of animation, swatches of video entertainment, and opportunities for you to try your own hand:
  • Cheer on a runner as he illustrates how to overcome budget hurdles and keep your finances on track.
  • Click on pieces of the mortgage loan pie to learn what portions of your payment go where.
  • Watch an on-screen instructor explain how to complete a cash-out refinance.
  • Engage in an exercise where you help Mr. and Mrs. Johnson decide if a refinance is right for their family.
  • Observe another on-screen instructor offer advice on what to do if you fall behind on mortgage payments.
  • Print out a household budget form that you can use to keep your own finances in order.
Keep your finances fresh and vibrant, Maintain Your Mortgage Loan, and keep your home for years to come!

Recommended Courses:
Mortgage Math Made Easy
Select the Right Mortgage for You
Market Facts and Trends
Understand Your Mortgage Disclosures
Repair Your Credit
Facing Foreclosure

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
Mortgage Math Made Easy (GH105)  +description
Prerequisites: None
Course Hours: 01:15
Course Meets Requirements for: N/A

Description: LTV, CLTV, HCLTV, PITI: Are these text message abbreviations? Or are we in algebra class again? We could say yes to the latter. Loan officers who sell mortgage loans use various mathematical calculations. If you understand this math, you can speak to the loan officer about your mortgage loan much easier. Mortgage Math Made Easy teaches you basic mortgage math so you are prepared for this conversation.

Clear the cobwebs in your head, and take Mortgage Math Made Easy where you can:
  • Exercise your mind as the math wizard helps you calculate down payments and interest-only payments
    • .
  • Discover the steps to operate that mortgage calculator you bought years ago.
  • Calculate the mortgage payment on various examples as you follow step-by-step instructions and use our convenient on-screen calculator.
  • Play ball with our on-screen instructor who guides you through numerous calculations throughout the course, including LTV, CLTV, gross monthly income, front-end ratios, and back-end ratios.
Don't let math get the best of you. Empower yourself with Mortgage Math Made Easy, and take control of your next conversation with your lender!

Recommended Courses:
FHA Mortgage Loans
Special Mortgage Options
Select the Right Mortgage for You
Compare Lenders, Rates, and Closing Costs
Discover How Much You Can Afford

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
Prepare to Apply for a Mortgage (GH111)  +description
Prerequisites: None
Course Hours: 01:15
Course Meets Requirements for: N/A

Description: Does the thought of applying for a mortgage loan sound confusing and time-consuming? How do you know if the information a lender requests is the appropriate information for a mortgage loan application? In these uncertain times, are you concerned about who to trust with your personal information? Prepare to Apply for a Mortgage covers the information lenders need when you apply for a mortgage loan.

As you navigate through Prepare to Apply for a Mortgage, you can:
  • Test your strength with our carnival game designed to teach you the steps lenders take to approve a mortgage loan. Swing a mallet and ring the bell. Your prize is a loan approval!
  • Sit back and let our animated co-borrower and co-signer explain their similarities and differences.
  • Break down and enjoy an interactive tour of the standard mortgage loan application complete with audio.
  • Knock down any obstacles to owning a home as you discover the laws that exist to protect you during the home-buying process.
  • Meet comic strip characters depicting how changes in your shopping habits can impact your mortgage application in process.
Take the worry out of the mortgage application process when you Prepare to Apply for a Mortgage!

Recommended Courses:
Discover How Much You Can Afford
Compare Lenders, Rates, and Closing Costs
Select the Right Mortgage for You
Special Mortgage Options
Mortgage Math Made Easy
Narrow Your Search for a Home
Understand Your Mortgage Disclosures
Know Your Rights

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
Protect Yourself from Predatory Lending (GH115)  +description
Prerequisites: None
Course Hours: 01:00
Course Meets Requirements for: N/A

Description: Let's face it. We live in a world where predators exist! It's easier to face these predators when you are educated. Protect Yourself from Predatory Lending arms you with the knowledge to shield yourself from abusive practices.

This course takes a serious issue and makes it engaging so you learn all the warning signs! In this course, you can:
  • Allow a situational audio outline the predatory tactics lenders may use.
  • Uncover the difference between subprime and predatory lending from one of our on-screen instructors.
  • Take a guess to match the various types of predatory lending with their descriptions in our interactive drag-and-drop activity.
  • Watch and participate in several tutorial videos that make yield spread premiums as kickbacks, property flipping, and false bailout situations real.
  • Assist our on-screen investigators as they determine the true victims of predatory lending.
  • Discover the warning signs of predatory lending as you hike your way down the safest path to your new home. Be sure to look out for the various predatory obstacles!
Don't be a victim. Know who is at risk, and Protect Yourself from Predatory Lending!

Recommended Courses:
Compare Lenders, Rates, and Closing Costs
Select the Right Mortgage for You

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
Special Mortgage Options (GH107)  +description
Prerequisites: None
Course Hours: 01:00
Course Meets Requirements for: N/A

Description: So what happens if you do not fit within the lender's normal guidelines for approving a mortgage loan? Perhaps you do not have a lot of money for a down payment, or your credit is less than perfect. Are you stuck renting until you save enough money or improve your credit? Special Mortgage Options explains the different mortgage loan programs available to assist you with your goal of homeownership.


Special Mortgage Options explains these programs using various interactive situations where you can:
  • Sort out the differences between government and non-government loan programs by viewing a constructive graphic.
  • Visit our on-screen instructor who describes special mortgage options, 203(k) loans, bond programs, and so on.
  • Open our virtual curtains to reveal FHA loan features.
  • Call on the math wizard to help you calculate mortgage insurance on FHA loans.
  • Drag and drop different mortgage loan programs, such as community lending and stated income programs, to their definitions and receive immediate feedback.
  • Participate in our engaging activity where you determine the features of the Officer Next Door, Emergency Medical Technician Next Door, and Teacher Next Door programs.
Not every program is right for you. Special Mortgage Options simplifies the choices so you are one step closer to owning a home of your own!

Recommended Courses:
FHA Mortgage Loans

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
Facing Foreclosure (GH128)  +description
Prerequisites: None
Course Hours: 1:15
Course Meets Requirements for: N/A

Description: Are you currently dealing with a financial crisis? If not, do you know someone who is? This overwhelming and scary situation can not only cause emotional distress, but also physical distress. It isn´t easy, but the only way out is to take control, and to educate and empower yourself.

Facing Foreclosure offers insight into your options when faced with this possible outcome. In this course, you can:
  • Take a stroll in our virtual park, get inside of the minds of the visitors, and determine which ones are at risk of a foreclosure.
  • Uncover the consequences of a foreclosure through corresponding images.
  • Hop on our default management timeline, complete with audio and visual cues, where you will learn how lenders handle missed payments.
  • Tag along with the Johnson family and their lender as they discover which loss mitigation option can help them avoid a foreclosure.
  • Assist Caryn Consultant, who works at Good Tips Magazine, in answering letters from readers who want to avoid a foreclosure by disposing of their homes.
  • Allow our on-screen instructor, animations, and images open your eyes to foreclosure scams and their consequences.
There are certified counselors available to help you with your options. Take Facing Foreclosure, contact a respected counselor, and take back your life!

Recommended Courses:
Market Facts and Trends
Protect Yourself from Predatory Lending
Select the Right Mortgage for You
Repair Your Credit
Understand Your Credit

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
Select the Right Mortgage for You (GH106)  +description
Prerequisites: None
Course Hours: 01:15
Course Meets Requirements for: N/A

Description: What is a conventional mortgage loan? What does FHA mean? And what is an ARM anyway? Isn't it bad, and shouldn't you always get a fixed rate mortgage? When it comes to choosing the right mortgage loan for you, where do you even start? VA, reverse, balloon, interest-only, option ARMs: everyone has an opinion, and it's enough to make your head spin! Select the Right Mortgage for You is a guide to everything you need to know about the most popular and most talked about mortgage loans.

In Select the Right Mortgage for You, you can:
  • Uncover the mystery of amortization in several engaging tutorial videos.
  • Enjoy the competition at the racetrack as the 15-year fixed rate mortgage takes on everyone's favorite 30-year fixed rate mortgage.
  • Drag and drop the components of an ARM to their definitions so you can piece together the purpose of this mortgage loan.
  • Visit our math wizard, follow along with our on-screen instructor, and allow illustrative graphics to teach you about ARM caps, prepayment penalties, balloon mortgages, and reverse mortgages.
  • Stop at our virtual bank, get inside the mind of the customers, and decide which mortgage loan fits each customer best.
This engaging course provides the information all loan officers must learn to sell mortgage loans. Don't allow loan officers to sell you a mortgage loan. Instead, walk their walk, talk their talk, and Select the Right Mortgage for You!

Recommended Courses:
FHA Mortgage Loans
Discover How Much You Can Afford
Understand Your Mortgage Disclosures
Protect Yourself from Predatory Lending

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
Discover How Much You Can Afford (GH108)  +description
Prerequisites: None
Course Hours: 01:15
Course Meets Requirements for: N/A

Description: Are you dreaming about a house with a white picket fence? Have you ever wondered what type of home you can afford? What exactly is the difference between a pre-qualification and a pre-approval? And which one do you need to achieve your goals? Discover How Much You Can Afford helps you with all of this and more.

Discover How Much You Can Afford takes you through a series of interactive experiences where you can:
  • Unravel the mysteries of the pre-qualification process as you climb the pre-qualification staircase.
  • Enjoy a video designed to help you avoid the pitfalls of being a co-signer.
  • Use your athletic prowess to power through gross monthly income calculations and other important equations.
  • Track your monthly expenses with a printable guide.
All of this and so much more awaits you in Discover How Much You Can Afford!

Recommended Courses:
Compare Lenders, Rates, and Closing Costs
Prepare to Apply for a Mortgage
FHA Mortgage Loans
Special Mortgage Options
Select the Right Mortgage for You
Discover if Homeownership is Right for You

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
You and the Economy (GH127)  +description
Prerequisites: None
Course Hours: 1:00
Course Meets Requirements for: N/A

Description: There are various events that led to the 2008 financial crisis. You and the Economy does not attempt to explain every aspect of these events. However, this course does provide an understanding of how the housing market and foreclosures can impact the entire economy.

This course offers a series of interactive experiences where you can:
  • Explore the maze of connections between the mortgage and financial scenes in a tutorial video with graphics.
  • Print out a copy of the alarming tale about a bursting housing bubble that spread financial chaos around the world.
  • Immerse yourself in a story that explains how the financial crisis affects an all-American family.
  • Solidify what you just learned with a drag-and-drop interactive test.
A financial crisis is scary enough as it is. You and the Economy can take some of that fear away by providing you a foundation of knowledge.

Recommended Courses:
Repair Your Credit
Discover if Homeownership is Right for You
Select the Right Mortgage for You
Special Mortgage Options
Maintain Your Mortgage Loan
Compare Lenders, Rates, and Closing Costs
Prepare to Apply for a Mortgage

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
FHA Mortgage Loans (GH126)  +description
Prerequisites: None
Course Hours: 1:00
Course Meets Requirements for: N/A

Description: Don't think you can buy a home? Do you have little credit history, credit problems, or no savings? The Federal Housing Administration (FHA) is here to save the day! This course assists those unfamiliar with this type of mortgage loan.

As you discover the treasure of FHA Mortgage Loans, you can:

  • Watch the on-screen instructor, and learn the characteristics of an FHA loan.
  • Open a treasure chest of splendid advantages.
  • Scan a cityscape of buildings to choose types of properties eligible for an FHA loan.
  • Be a math whiz and follow along with the animated wizard to calculate front-end and back-end ratios, required reserves, mortgage insurance premiums, the required down payment, and loan-to-value ratios.
  • Step into a fun activity to become an underwriter who draws on compensating factors to gain loan approval.
  • Follow Sally in a comic strip as she fulfills her dreams of homeownership using seller contributions.
Go in with your eyes wide open and discover the jewel of FHA Mortgage Loans!

Recommended Courses:
Select the Right Mortgage for You
Narrow Your Search for a Home
Prepare to Apply for a Mortgage
Mortgage Math Made Easy
Understand Your Credit
Repair Your Credit
Documents You Need to Provide
Compare Lenders, Rates, and Closing Costs
Make an Offer and Negotiate the Sale
Inspect the Home
Protect Yourself from Predatory Lending
Maintain Your Home
Maintain Your Mortgage Loan

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
Understand Your Credit (GH103)  +description
Prerequisites: None
Course Hours: 1:00
Course Meets Requirements for: N/A

Description: What is your credit score? Where do you find it? Is it high enough to qualify for a mortgage loan? Understand Your Credit answers these and other credit-related questions.

Understand Your Credit takes you through a series of interactive experiences where you can:
  • Take a chance, and spin the wheel on the credit game board to discover factors that affect your credit score.
  • Be a math whiz as you follow along with the animated wizard to calculate credit balances.
  • Maneuver your way through a series of entertaining videos where you learn first-class credit practices.
  • Defeat the misconceptions of credit as you participate in a fun interactive challenge.
In Understand Your Credit, you take control of your credit future!

Recommended Courses:
Repair Your Credit
Protect Yourself from Predatory Lending

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
Compare Lenders, Rates, and Closing Costs (GH109)  +description
Prerequisites: None
Course Hours: 1:15
Course Meets Requirements for: N/A

Description:Shop ´til you drop! The lending market is very competitive. You may find it confusing to shop for a mortgage loan. Compare Lenders, Rates, and Closing Costs teaches you the tools to pick the best lender for you.

On this shopping extravaganza, you can:
  • Follow along with an on-screen instructor as you learn about interest rate changes, rate locks, and rate expirations.
  • Become a brainiac alongside the math wizard as you learn to calculate the cost of points.
  • Compute your way through a tutorial video to determine the breakeven point of purchasing points.
  • Take a slice out of the interactive pie chart as you view and learn about the three parts of closing costs.
  • Enter the virtual world to help Olive search for the best value from three different lenders.
So strap on your shopping shoes and get going! Compare Lenders, Rates, and Closing Costs and empower yourself to save money!

Recommended Courses:
Prepare to Apply for a Mortgage
Select the Right Mortgage for You
Discover How Much You Can Afford
FHA Mortgage Loans
Special Mortgage Options
Mortgage Math Made Easy
Understand Your Mortgage Disclosures

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
Inspect the Home (GH121)  +description
Prerequisites: None
Course Hours: 0:50
Course Meets Requirements for: N/A

Description:Picture this: You find the perfect home. You buy the home. Then, a month later, the roof caves in. Talk about buyer's remorse! How do you make sure you get a good, solid home that the ravages of time, rainstorms, or hungry wolves can't huff, and puff, and blow right down? Inspect the Home teaches you how to avoid this situation.

Keep your eyes wide open as Inspect the Home presents you the following interactive experiences:
  • Join in an opening activity where you magnify the home to learn what happens during a general home inspection.
  • Tour our virtual home, and challenge yourself to view its systems and structures as a professional inspector would see it.
  • Help different homebuyers decide which inspections they need depending on their personal situations.
  • Expose the importance of a final walk-through with our on-screen instructor.
  • View and print out your own personal inspection checklist to take with you on your search for the perfect home.
Flush out all your doubts and questions. Make sure to Inspect the Home before closing the deal!

Recommended Courses:
Mortgage Math Made Easy
Maintain Your Home
Make an Offer and Negotiate the Sale
Find and View Homes
Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
Green Homes (GH129)  +description
Prerequisites: N/A
Course Hours: 1:30
Course Meets Requirements for: N/A

Description: Do you want to live in greater comfort, protect your health, and save money while also protecting the environment? If the answer is "yes," then you want a green home! But what makes a home green? How do you find one to buy? Or how can you make your existing home greener?

Green Homes will sow the seed of knowledge, so you can have your very own green home. In this course, you can:
  • Dismantle a definition of a green home. Then explore each piece before putting it all back together.
  • Make your way along an interactive timeline to learn the history of green building.
  • Explore the environment and see how a green home can help protect the woods, water, air, and land.
  • Let the math wizard show you how a green home can save you money.
  • Zoom in on a green home! Take a tour of the various ways to increase energy efficiency, preserve natural resources, and improve the quality of the air inside a home.
  • Flip through a catalog of green certification programs that help protect you from greenwashing.
  • Go on a scavenger hunt to see if you can spot clues that tell you what\'s green in a home.
  • Create your own checklist of green upgrades for an existing home.
Fit your home into a greener lifestyle. Save your health, save your money, and help save the planet. Educating yourself about Green Homes is a first step in the right direction.

Recommended Courses:
Mortgage Math Made Easy
Discover How Much You Can Afford
Select the Right Mortgage for You
Market Facts and Trends
Required Overall Course Grade: 80%
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
How to Buy a Foreclosure Property (GH130)  +description
Prerequisites: None
Course Hours: 1:45
Course Meets Requirements for: N/A

Description: Are you looking to buy a home at a great price? Consider buying a foreclosure property. The foreclosure process can be lengthy. But at different points during the process, you have an opportunity to buy a home for less than what it might otherwise cost!

How to Buy a Foreclosure Property helps you make sense of what can be a complicated purchase. In this course, you can:
  • Walk along the foreclosure timeline to discover at what points you can buy the home.
  • Explore the step-by-step route to buy a short-sale, auction, REO, and HUD home.
  • Tag along with our math wizard as he calculates the offer price on a fictitious short-sale home.
  • Click on graphics to reveal the path a home takes to a foreclosure auction or accelerated sale.
  • Discover how REO and HUD homes differ from standard homes during an entertaining tutorial, complete with audio and cartoon animations.
  • Print out a reference guide that summarizes the steps outlined in the course to use while you buy your own foreclosure home!
Today's housing market is flooded with foreclosure properties. So take advantage! But first learn the process in How to Buy a Foreclosure Property!

Recommended Courses:
Select the Right Real Estate Professional for You
Make an Offer and Negotiate the Sale
Inspect the Home
Prepare for Closing
Find and View Homes
Prepare to Apply for a Mortgage
Finalize Your Mortgage
Select the Right Mortgage for You
Special Mortgage Options
FHA Mortgage Loans
Facing Foreclosure

Required Overall Course Grade: N/A
Required Final Assessment Grade: 80%
Number of Final Assessment Attempts Allowed: unlimited attempts
Required Test Your Knowledge Grade: N/A
+ Cursos en español +info
En esta categoría, todos los cursos son en español. Haga clic en la casilla correspondiente a los cursos que desee tomar. Para ver la descripción del curso, haga clic en Info.
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