Homebuyers Education Programs (HEP)

We feel that HEP will be highly beneficial to your firm as it has been to many other firms and associations in the State of Florida.

HEP is a working educational process offered to clients as a seminar and/or a “one-on-one” counseling opportunity. We have prepared and counseled many individuals for home ownership by using our strategies and techniques. ESA has changed the lives of many through HEP.

The following topics are discussed in HEP:

• Renting Verses Buying.
• Preparing for Home Ownership.
• Up Front Cost  - Closing Cost
• On-Going Costs
• Hidden Cost
• Lender’s Requirements
• Repayment Ability  -  Qualifying Ratios
• How Large A Mortgage Do You Qualify For?
• Calculating Your Mortgage Payment
• Calculating your Maximum Home Purchase Amount
• Down Payment / Closing Cost Assistance and Requirements
• Are Your Debts Excessive
• Day-to-Day Expenses Worksheet
• Monthly Income/Expenses Worksheet
• Creditor Summary Report Worksheet
• Ten Basic Rules of Money Management
• Let’s Discuss Credit
• Equifax / Experian / Transunion
• Credit Reports
• Credit Scores
• Indicators of Unacceptable Credit
• How a Lender Views Your Credit Report
• True Cost Of Bad Credit
• Homeowners Insurance Credit Scoring
• Credit Card Debt in America Today
• Shopping For A Home
• New Verses Used
• Selecting a Realtor or Builder
• Home Ownership Responsibility

For more details call (800) 985-7474 or send us an e-mail by clicking here!

We welcome all of your comments and suggestions. The contact information below will be sent via e-mail to us. The information is only utilized to contact you to answer your concerns.