Starting April 2022, we will be offering classes in-person!

We strongly encourage you to attend in-person for the best homebuyer learning experience. If you are out of town or unable to otherwise attend in person, we will have that option available as well. Please select the virtual option at registration if you are unable to attend in person.

The F-M Homebuyer class will be held at various locations in Fargo, ND and will be announced prior to each class. Please check your emails for updates!

Agenda

Day 1: Pre-purchase and Purchasing a Home

  • Pre-purchase 
  • Renting v. owning 
  • Costs of homeownership 
  • Budgeting 
  • New construction and remodeling 
  • How to choose a contractor 
  • Credit Bureau Reports—how to read them, how to dispute incorrect information, how long information stays on the report 
  • Down payment assistance programs—City of Fargo, City of Moorhead, and others 
  • How much house can you afford? 
  • Working with a lender, what to bring to an initial meeting, which credit issues can you work with 
  • Conventional v. FHA mortgage

Day 2: Obtaining a Mortgage and Post-Purchase

  • Closing process and title insurance 
  • Home Inspections—importance of having one done, how to choose an inspector, costs, what they look for during an inspection 
  • Home maintenance—doing common repairs around the house, maintenance with each season 
  • Foreclosure prevention
  • Costs associated with repairs 
  • Choosing a home and making an offer 
  • What to look for with respect to homeowners insurance
  • Working with a Realtor® and real estate forms
  • Choosing a home and making an offer

FOUNDED BY DOORSTEPS MIDWEST