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Home Buyer Education

 Learn How You Can Become a Homeowner

Sponsored by:
Georgia Department of Community Affairs
City of Valdosta
VLCHFH

Attend One or All Three…..
 

Home Buyer Education Workshop

Workshops enable first-time homebuyers to explore their options.

Skills Classes

Help new homeowners transition from renting to owning.

Habitat for Humanity Applicant Meetings

Designed specifically for persons interested in applying for a Habitat for Humanity house.

3rd Saturday of Each Month

9:00am—3:00pm

Pre-registration required*

Classes Meet Once Weekly For Six Weeks

Call 245-1330 ext 22 to verify starting times, location, and to register for the classes.

Call the office to verify location, date, and time.

Pre-registration not required

Topics include:

Pre-purchase Decisions
Financial and Credit Preparation
Shopping for a Home
The Purchase Process
Mortgages and Loan Options
First-time Homebuyer Programs
Fair Housing and Equal Credit Opportunity
Post-purchase Considerations

Topics include:

Budgeting and Banking
Credit
Debt Management
Predatory Lending
Consumer Rights and Recordkeeping
Mortgages and Legal Documents
Warranties and Insurance Coverage
Home Maintenance

Requirements Explained:

Housing Need
Income Limits and Ability to Pay
Financial and Credit Eligibility
Partnership and Sweat Equity
The Application Process

Persons wishing to apply for a Habitat for Humanity house should first attend this workshop to receive an application and instructions on how to apply.

Attendees who buy a house in Lowndes County may qualify for a $500 grant towards their loan closing from funding set aside by Project Change.

Qualified workshop attendees may also be eligible for various low-interest loans and/or down-payment assistance through the GA Department of Community Affairs, USDA Rural Development, Habitat for Humanity, the City of Valdosta, or other similar programs.

Lunch will be provided.
No child-care available.

Attendees who buy a house in the City of Valdosta Designated Revitalization Area may also qualify for up to a $5000 down-payment assistance loan that will be forgiven after 10 years in the house. All classes are required for Habitat Partner Families and applicants who wish to qualify for the City’s down payment assistance.

Anyone who attends the full-day Home Buyer Workshop (3rd Saturday) will not be required to attend this workshop.

Persons who attend the full-day Home Buyer Workshop and/or the Homeowner Skills Classes may apply these hours to sweat equity IF they are later accepted as a Habitat for Humanity Partner Family. This does NOT apply to the Applicant Meeting

*To pre-register for Home Buyer Education Workshop or Homeowner Skills Classes Call: 245-1330/ext 22