Address & Phone

2229 5th Avenue
Havre, MT 59501
406.265.6743

Primary Contact

Alma Lopez
[email protected]
www.hrdc4.org

Services

Homebuyer Education
Homebuyer Counseling

Counties

Liberty
Hill
Blaine
Toole
Pondera
Choteau

Organization Description

As a Community Action Program (CAP) agency, the Council’s goals are to serve, advise, educate, and most importantly, aid society in projects aimed at breaking the cycle of poverty. The services offered in District 4 are developed to enable low-income individuals in Hill, Blaine, and Liberty Counties of all ages to attain the skills, knowledge, motivations, and other opportunities needed for them to become fully self-sufficient. Our mission is to partner with low income people in their effort to achieve economic stability and to advocate for social and economic advancement. All individuals and families will achieve their dreams through meaningful assistance at HRDC4.

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Homebuyer Education & Pre-Purchase Counseling

District 4 RHDC offers its Homebuyer Education and Pre-Purchase Counseling class in Havre once per month. The purpose of the class is to teach potential homeowners about the process of purchasing a home. Classes are 8 hours over the course of two evenings or all day on a Saturday – see schedule at right for course dates, times and locations. This is a great program for both new and experienced home buyers and provides a good opportunity to become a more educated home buyer 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: Pre-registration is appreciated. To register please contact Alma Lopez at 406.265.6743 ext. 1125 or email [email protected]

Class Fee: $50 per person is due at the first night of the class and is non-refundable. Dinner and class materials are provided.

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.

Location: All classes are held at 2229 5th Ave. Havre, MT 59501

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

2018 Class Schedule

Time: 5:00PM to 9:00PM
Where: District 4 HRDC
2229 5th Ave
Havre, MT 59501
Dates: January 10th & 11thFebruary 12th & 13thMarch 12th & 13thApril 10th & 11thMay 14th & 15thJune 11th & 12thJuly 10th & 11thAugust 8th & 9thSeptember 10th & 11thOctober 10th & 11thNovember 13th & 14thDecember 10th & 11th

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]