Sneak Peak of my Courses · Credit Freedom Society

Sneak Peak of my Courses

First Time Home Buyers — Full, Step-by-Step Course (2025)

Outcome: Guide first-time buyers through every step of the home-buying process — from financial preparation to closing — so they can purchase their first home with confidence.

Important: This course is for educational purposes only and does not replace professional advice from licensed real estate agents, mortgage brokers, or legal professionals.

What You’ll Learn

Understanding mortgage types & qualifications
Budgeting & credit readiness
Navigating the home search process
Making offers & negotiating
Understanding inspections, appraisals, and closing
Avoiding common first-time buyer mistakes

Who This Is For

First-time home buyers preparing to purchase within 12–24 months
Renters who want to transition into homeownership
Individuals or families needing a step-by-step plan

Course Roadmap (12 Modules)

Module 1 — Homeownership Basics

Goal: Understand what it means to own a home.

Benefits vs. responsibilities of ownership
Key differences from renting
Overview of the buying process Assignment: Identify your top 3 reasons for buying a home.

Module 2 — Financial Readiness & Budgeting

Goal: Prepare your finances for purchase.

Determining your budget (income, expenses, debt-to-income ratio)
Savings plan for down payment & closing costs
Emergency fund importance Assignment: Create a home-buying budget.

Module 3 — Credit Score & Mortgage Qualification

Goal: Improve your credit profile.

Minimum credit score requirements for common loan types
How credit scores impact interest rates
Steps to improve credit before applying Assignment: Pull your credit report and list action items.

Module 4 — Understanding Mortgage Options

Goal: Choose the right loan for your situation.

Conventional, FHA, VA, USDA loans
Fixed-rate vs. adjustable-rate mortgages
First-time buyer programs & grants Assignment: Research 2 programs you may qualify for.

Module 5 — Building Your Home Buying Team

Goal: Choose the right professionals.

Real estate agent, lender, inspector, attorney
How to interview & select team members
Understanding commission & fees Assignment: Compile a list of potential professionals.

Module 6 — Getting Pre-Approved

Goal: Strengthen your buying position.

Pre-qualification vs. pre-approval
Documents needed: income, assets, debts
How lenders assess your application Assignment: Start your pre-approval process.

Module 7 — Home Search Strategy

Goal: Find the right property.

Identifying must-haves vs. nice-to-haves
Using MLS, online tools, and open houses
Considering location, schools, amenities Assignment: Create your home search checklist.

Module 8 — Making an Offer

Goal: Negotiate effectively.

Understanding market conditions
Writing a competitive offer
Earnest money deposits Assignment: Draft a sample offer.

Module 9 — Home Inspections & Appraisals

Goal: Protect your investment.

Purpose of inspections
Common issues & repair negotiations
Understanding the appraisal process Assignment: Review a sample inspection report.

Module 10 — Closing Process

Goal: Finalize your purchase.

Title search, title insurance
Reviewing the Closing Disclosure
What happens on closing day Assignment: Review a sample closing checklist.

Module 11 — Moving In & Home Setup

Goal: Transition smoothly.

Scheduling movers & utilities
Change of address checklist
Initial home maintenance tasks Assignment: Create your move-in plan.

Module 12 — Long-Term Homeownership Success

Goal: Maintain & grow your investment.

Budgeting for ongoing maintenance
Building equity
Planning for upgrades & renovations Assignment: List 5 maintenance tasks for your first year.

90-Day Action Plan

Phase 1 (Weeks 1–3): Budgeting, credit check, savings planPhase 2 (Weeks 4–6): Research mortgage programs, start pre-approvalPhase 3 (Weeks 7–9): Build your home buying team, begin home searchPhase 4 (Weeks 10–12): Make offers, inspections, close on your first home

12-Month Plan