F-M Homebuyer Class • Day 1 • Dickinson, ND

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

THIS CLASS WILL TAKE PLACE IN DICKINSON, ND • LOCATION TO BE DETERMINED