I regularly teach VHDA home buyer classes, and recommend that anyone that has not owned a home attend one. Topics taught include: Personal Finances, Credit and Credit Reporting, Working with a Lender, Working with a Real Estate Agent, The Home Inspector, and Loan Closing.
Attending a VHDA class qualifies students to use VHDA loans and grants for up to two years from the class date. However, the knowledge gained is the most important point. A good lender will help students determine the best loan program for their needs, and engaging a lender early is my most recommended tip, since it helps you determine what you can afford and, more importantly, what you are comfortable with regarding a monthly payment. Knowing that helps your realtor find you that ideal home based on your needs and circumstances.
Classes are taught by professionals knowledgeable in their fields, and are meant to educate students on the process of buying a home, to provide an opportunity to learn and ask questions in an environment where no solicitation (no selling) is allowed before, during, or after the class. This means students will not be on anyone’s mailing list or phone list.
Of course, everyone teaching would like to work with students attending, and by teaching we hope to show our knowledge and professionalism, so we do provide contact information to students if they choose to take it. The most important point is taking the fear and mystery out of buying a home, and helping students prepare, so that when they are ready, they will be armed will knowledge that will make buying a home a fulfilling and satisfying process.
Classes I facilitate are scheduled about once a month, and are often taught at my office in Henrico. With notice, I’m happy to do classes anywhere in the RVA area, and encourage businesses looking to offer something special for their employees to do a class at their business location!