Syllabus

Part 1:

1. Determining where you are financially
2. Developing a plan for spending and saving
3. Setting financial goals
4. Achieving financial goals
5. Costs and responsibilities of renting versus owning
6. How expensive a home can you buy?
7. Selecting and working with a real estate agent

Part 2:

1. Creditworthiness
2. Understanding your credit report
3. How to correct errors on your credit report
4. Developing a debt-management plan
5. Credit problems: prevention and consequences
6. Finding a house that best meets your needs
7. Planning and zoning issues
8. Inspecting the house
9. Septic systems (in rural areas)

Part 3:

1. Negotiating the purchase/making an offer
2. Understanding the role of the secondary market in the home buying process
3. Mortgage basics
4. Special home-buyer programs (FHA, Rural Development, VA, MHDC, Fannie Mae, Freddie Mac)
5. Preparing for closing
6. Homeowners insurance
7. Managing maintenance and energy costs

Back to H.O.M.E.

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		stcharlesco@missouri.edu Updated 06/24/08