Class 4: Understanding Mortgage Types Conventional, FHA, VA explained Pros/cons for first-time buyers Class 5: How Much Home Can You Really Afford? Calculating monthly payments and debt-to-income ratio Avoiding the “house poor” trap Class 6: Down Payments, Grants, and Assistance Programs Breaking myths about needing 20% down Local and national programs that help first-time buyers Class 7: Student Loans & Homeownership How loans affect your ability to buy Strategies to improve approval chances

Class 8: Who’s Who in Real Estate Realtors, lenders, inspectors, and attorneys Understanding each role and how they help you Class 9: Choosing the Right Professionals Questions to ask Red flags to watch for

Class 10: Wants vs. Needs Creating your “must-have” list Avoiding analysis paralysis Class 11: Efficient House Shopping Tools and strategies to save time How to tour homes effectively Class 12: Making Offers and Negotiating Steps for submitting an offer Negotiation strategies to win your dream home

Class 13: Home Inspections & Appraisals What to expect and how to handle issues Class 14: Understanding Closing Costs Breaking down fees in plain English Class 15: Closing Day & Keys in Hand Step-by-step of the final process How to celebrate and stay financially stable

Class 16: Budgeting & Managing Your Home Setting up monthly bills and emergency funds Class 17: Maintenance & Long-Term Planning Seasonal and long-term home upkeep tips Protecting your investment Class 18: Building Generational Wealth Using your first home as a foundation for future wealth