Address & Phone

1709 N 1st St
Hamilton, MT 59840
406.363.5450

Primary Contact

Sara Ann Briggs
[email protected]
www.bitterrootrcd.org

Services

Homebuyer Education
Homebuyer Counseling
Financial Literacy Counseling

Counties

Mineral
Ravalli
Missoula County

Organization Description

Bitter Root Resource Conservation and Development Area, Inc. (RC&D) has a mission to promote conscientious development of the area’s natural and human resources, while maintaining or improving the quality of those resources and the quality of life in Mineral, Missoula and Ravalli counties. Authorized in 1965, the Bitter Root RC&D is a charitable non-profit, non-government, non-partisan organization comprised of a network of local community volunteers. Councils are comprised of local government officials, farmers, ranchers, civic leaders, business leaders and others who are interested in contributing to the overall well-being of the region. The RC&D program is based on the belief that local citizens can successfully invest in, develop and carry out an action-oriented plan for social, economic and environmental betterment of their communities. The RC&D’s purpose is to invest in the social and environmental capital of the Bitterroot watershed through rural development and conservation projects, in order to ensure the long-term sustainability of the community and its natural resources. The Bitter Root RC&D provides a variety of programs and services including agricultural energy efficiency incentives, forest health and fire education, fuels reduction grants, homebuyer education and counseling, and other community-driven projects and partnerships. It has extensive experience and expertise in organizing and facilitating community based working groups.
To schedule a homebuyer counseling session contact Sara Ann Briggs via phone at (406) 363-5450 or email [email protected] All counseling is free and confidential.

Visit Website

Homebuyer Education Classes

Bitter Root RC&D offers its group Homebuyer Education class in Hamilton at least six times per year. Classes are eight hours and take place over the course of one day or three evenings – see schedule at right for course dates, times and locations. The purpose of the class is to teach potential homeowners about the process of purchasing a home. This is a great program for both new and experienced home buyers and provides a good opportunity to become a more educated homebuyer and homeowner. The class is taught by certified homeownership educators and other professionals from the community who provide presentations on a range of homeownership topics including:

  • Choosing a lender and understanding loan products and terms
  • Working with a real estate agent who really grasps your needs and price range
  • Understanding the scope and value of home inspections
  • Evaluating your credit and using credit wisely
  • Budgeting for your household and determining affordability
  • Choosing insurance policies
  • Understanding the title insurance and closing process
  • Maintaining your home so it continues to be an appreciating asset

Registration and Payment

Registration: Advanced registration is required. To register please contact the RC&D via phone at (406) 363-5450 or email [email protected]

Counseling sessions are initiated by the prospective homebuyer and by appointment only. Please call 517-285-5973 or email [email protected] The session normally lasts one to two hours. Income based fee schedule to be determined.

Group Class Fee: $50 per household. Fee is due at time of registration and is non-refundable but may be applied to a future group class.

If you have special needs such as those covered by the Americans with Disabilities Act please let us know and we can make accommodations for you.

Note: Our classroom is not suitable for children. Please make childcare arrangements.

2019 Class Schedule

Location: Bitter Root Valley Board of Realtors, 224 North 4th Street, Hamilton

Date

Time

January

NO CLASS

February 16

8:30AM to 6:00PM

March 16

8:30AM to 6:00PM
April 13

8:30AM to 6:00PM

May 11

8:30AM to 6:00PM
June 15

8:30AM to 6:00PM

July 13

8:30AM to 6:00PM

August

NO CLASS

September 14 8:30AM to 6:00PM

October 19

8:30AM to 6:00PM
November 16

8:30AM to 6:00PM

December

NO CLASS

You have two options for online homebuyer education: eHome America or Framework. While online education cannot replace the experience of an in-person class, both eHome America and Framework classes provide a comprehensive education on the homebuying journey.

In order to receive your homebuyer education class certificate of completion you will need to complete a one-on-one appointment with one of our HUD-certified housing counselors. This appointment can be done in person or over the phone and can generally be made to fit your schedule.

The content and topics are the same for both classes, but the delivery styles differ slightly. Feel free to choose the class that suits your learning style best. Both classes are HUD- certified, and both have adopted NeighborWorks America’s National Industry Standards.

eHomeNetwork

eHome is “more like an electronic textbook”, said one user. eHome has short videos that introduce concepts followed by text that further expand those concepts.

Class Costs $99

Framework

Framework is more like a storybook, following the homebuying journey of a prospective first-time homebuyer. Content is very interactive.

Class Costs $75

If you still need advice on which course to take your lender may have a recommendation based on the loan products you are considering, or you may contact your local housing counselor for their perspective. Click HERE to find a counselor in your area.

Once you’ve registered and completed the course you will receive an email from Michelle Rogers at NeighborWorks Montana putting you in touch with the housing counselor in your area to complete your one-on-one counseling session.

Questions? – contact Michelle Rogers at (406) 761-5861 or by email at [email protected]