Module 1: Your Credit and Why It Is Important
The single most effective way to prepare consumers for homeownership is to educate them on the importance of using credit wisely. This module introduces credit, basic terminology, and the importance of building a better credit record.
Module 2: Managing Your Money
Learn about the importance of developing a spending plan and developing wise spending habits, in addition to receiving tips on how to save money.
Module 3: Goal Setting
Module 4: Banking Services
Get valuable information on the basics of banking and the importance of establishing a relationship with a financial institution to build credit, save money, and achieve goals.
Module 5: Establishing and Maintaining Good Credit
Module 6: Understanding Credit Scoring
This module describes credit scoring from a borrower's perspective and illustrates how consumer behavior affects credit scores.
Module 7: Thinking Like a Lender
Get information on how lenders and other financial institutions determine creditworthiness and how it relates to credit scores.
Module 8: Avoiding Credit Traps
Get valuable information on how to avoid credit traps, identity theft, and predatory lending practices that can consume personal resources and severely damage credit histories.
Module 9: Restoring Your Credit
This module shows how to deal with credit difficulties and provides tips on how to restore impaired credit.
Module 10: Planning for Your Future
This module outlines the process to achieve goals and attain financial security.
Module 11: Becoming a Homeowner
This module provides practical information on how to prepare to obtain a mortgage and own a home.
Module 12: Protecting Your Home Investment
This newest curriculum module contains a wealth of information on understanding home equity, maintaining and improving your home, preparing for emergencies, and recognizing scams. It also includes a comprehensive section on alternatives to foreclosure.