Homebuyer Education Workshop

Homebuyers Education provides information about the resources and steps involved in purchasing a home. The successful completion of all the collective 8 hours of Homebuyers Education is required to qualify for various home financing (mortgage) products, down payment assistance and other services provided by Prosperity.

Homebuyers Education course requirement hours are broken up into three components. To receive your HBE Certificate, you must complete the following:

1. ehomeAmerica Online Homebuyer's Education Course
2. Know Before You Buy Virtual Session
3. One-on-One Couseling

There will be a fee involved in taking the eHomeAmerica course (paid directly to ehome for the service they are providing) that is separate from the Enrollment Application fee paid to Prosperity .

To access the eHomeAmerica Homebuyers Education course, use the following link and discount code that will reduce the payment fee from $99 to $50. (For couples, please call our office at 704-933-7405 for the code)

1. Online Homebuyers Education Course component through eHomeAmerica

   • Cost for Single: $50
   
   
   • Discount Code: HOMESAFE49
     • This will reduce the eHomeAmerica fee from $99 to the $50 mentioned above.
   
   
   • Cost for Couples: $70
     • This price includes both individuals. Please call our office at 704-933-7405 for the Discount Code.
   
   

2. Free Know Before You Buy Virtual Zoom Session

   This is a virtual, supplemental informational course that further details the homebuying process. It encourages an interactive experience where participants are able to ask questions to further their understanding and preparation for homeownership.

   Participants will learn about topics including but not limited to:

   • Distinguishing between Mortgage Readiness & Homeownership Readiness
   • Building the Homebuying Team
   • Payment Shock versus Reserves
   • Understanding Down Payment
   • Qualifying versus Compliance Income
   • Understanding the one-on-one assessment process
   • Understanding the “Math” behind homebuying process
   • “First-Time” Homebuyer Meanings & How it can impact your eligibility
IMPORTANT: (For in-person only): Workshops will be cancelled without notice, if registration is below five participants. In case of inclement weather or low workshop registration, we will call all registered participants by 6:00 p.m. the day before class to verify whether the workshops will be held.


To register, please see the Know Before You Buy Calendar

3. One-on-One Counseling Session(s)

   • To enroll for one-on-one counseling please complete the Enrollment Application
     • Visit the Pre-Purchase & Downpayment Page under “Services” for more details about what the counseling consists of.