Homebuyer Education

(Great Falls) Financial Education Classes
This course, titled "Dollars and Sense: Invest in Your Future," is about basic financial education. This four-part series includes: Understanding Credit and Credit Reports; Making Budgeting Work with Your Schedule; Predatory Lending and Identity Theft Insurance; and Financial Institutions and Taxes. Participants must complete all four parts to graduate. Some local partners are offering incentives for participants to graduate, including participation in Individual Development Account (IDA) programs for education/training or homeownership. For information or to register for these free classes, call Lauri at the number provided.

(Laurel) First-Time Homebuyer Education Class
This is a one day pre-purchase class. Fee is payable on day of class. Registration is required by calling the phone number provided. A map to the site can be found at www.beartooth.org.

(Wolf Point) Homebuyer Education
This is a one-day class. Cost is per household. Lunch is provided. For more information, call Khrystye Earle at the number provided.

NeighborWorks Great Falls
This is a three-day class. Attendance at all three classes is required for certification. You must register in advance at the NeighborWorks Great Falls office listed above. You will be asked to pay a $20.00 fee and sign up for a 1/2 hour appointment the week before the class to review your credit report and pick up materials for the class. If you have any questions, please e-mail NeighborWorks Great Falls at: nhs@nhsgf.org

(Great Falls) Financial Education Classes
This course, titled "Dollars and Sense: Invest in Your Future," is about basic financial education. This four-part series includes: Understanding Credit and Credit Reports; Making Budgeting Work with Your Schedule; Predatory Lending and Identity Theft Insurance; and Financial Institutions and Taxes. Participants must complete all four parts to graduate. Some local partners are offering incentives for participants to graduate, including participation in Individual Development Account (IDA) programs for education/training or homeownership. For more information or to register for these free classes, call Lauri at the number provided.

(Kalispell) Financial Education Classes
This course, titled "Dollars and Sense: Invest in Your Future," is about basic financial education. This four-part series includes: Understanding Credit and Credit Reports; Making Budgeting Work with Your Schedule; Predatory Lending and Identity Theft Insurance; and Financial Institutions and Taxes. Participants must complete all four parts to graduate. Some local partners are offering incentives for participants to graduate, including participation in Individual Development Account (IDA) programs for education/training or homeownership. To register or for more information, call the number provided.

(Helena) Financial Education Classes
This course, titled "Dollars and Sense: Invest in Your Future," is about basic financial education. This four-part series includes: Understanding Credit and Credit Reports; Making Budgeting Work with Your Schedule; Predatory Lending and Identity Theft Insurance; and Financial Institutions and Taxes. Participants must complete all four parts to graduate. Some local partners are offering incentives for participants to graduate, including participation in Individual Development Account (IDA) programs for education/training or homeownership. To register or for more information, call the number provided.

(Butte) Financial Education Classes
This course, titled "Dollars and Sense: Invest in Your Future," is about basic financial education. This four-part series includes: Understanding Credit and Credit Reports; Making Budgeting Work with Your Schedule; Predatory Lending and Identity Theft Insurance; and Financial Institutions and Taxes. Participants must complete all four parts to graduate. Some local partners are offering incentives for participants to graduate, including participation in Individual Development Account (IDA) programs for education/training or homeownership. For more information or to register for these free classes, call the number provided.

(Missoula) Financial Education Classes
This course, titled "Dollars and Sense: Invest in Your Future," is about basic financial education. This four-part series includes: Understanding Credit and Credit Reports; Making Budgeting Work with Your Schedule; Predatory Lending and Identity Theft Insurance; and Financial Institutions and Taxes. Participants must complete all four parts to graduate. Some local partners are offering incentives for participants to graduate, including participation in Individual Development Account (IDA) programs for education/training or homeownership. For more information or to register for these free classes, call the number provided.

(Kalispell) Home & Property Buying & Selling Prep.
This is a one-day class sponsored by ETHIC (Encouraging the Homeownership Ideals for Communities).

(Havre) Homebuyer Education
This is a one-day class. Materials and dinner are provided. If fewer than 5 people register, the class will be cancelled. Contact Coni Thorn, North Central MT RC&D, 1125 Oilfield Ave., Shelby, MT 59474, 406.434.9161 x114 or 406.434.5896.

(Bozeman) Homeownership Education
Are you ready to buy a home? What are the benefits of homeownership? How do lenders decide to make loans? Our 9-hour, comprehensive homeownership education course, directed by a HUD-Approved instructor, will help you to better understand the home purchase process. Topics covered include: The Advantages and Disadvantages of Homeownership; Assessing Homeownership Readiness; Understanding Credit; Managing your Finances; The Mortgage Process; Special Programs for First-Time Buyers; Shopping for a Home, a Lender, and a Realtor; Closing Your Deal; and Maintaining Your Home and Your Finances after you purchase. Completion of homeownership education makes you a smarter, better borrower, and may help you become eligible for down-payment assistance, low-interest mortgages, and matched savings programs. The course is open and free of charge. Space is limited, so pre-registration and a refundable deposit are required. Attendance of the entire series (9 hours) is required for a certificate. Additional classes/alternate locations may be scheduled for groups of 5 households or more. Individual pre- and post-purchase counseling is also available.

Homebuyers 'Certified' Education & Consulting Pgm
This is a one-day class sponsored by ETHIC (Encouraging The Homeownership Ideals for Communities). ETHIC Scholarships for FVCC Tuition costs are available to all home and property buyers.

(Lewistown) Homebuyer Education Class
This is a two-day class. Attendance at both classes is required for certification. Contact Carrie Mantooth, Central MT RC&D Assistant Coordinator, at the above phone number or at cmantooth@hotmail.com for more information.

(Hamilton) Homebuyer Education
Attendance at all three classes is required. Scholarships are available. Real Estate Agents can get 4 elective CEUs. To reserve a spot, call the provided phone number and leave your name and phone number. Scholarships are available. Classes are in the new conference room.

(Billings) Homebuyer Education Class
Attedance at all three classes is required for a completion certificate. Class covers credit history, debt, affordability, types of loans available, budgeting, insurance and home maintenance. Guest speakers include a credit counselor, realtor, lender, home inspector, insurance agent, and home maintenance counselor. Assistance programs available to first-time home buyers and low-income and working families will be covered. Please make checks or money orders payable to homeWORD and submit with registration. Call the number provided for more information.

(Helena) Budgeting & Money Management Course
This FREE course is 2 Saturdays long. Attendance on both days is required to complete the course. Attendees will learn about: establishing credit if you don't have any; repairing credit if it's damaged; improving savings habits; setting and achieving goals; cash advance, title loan and credit card traps; developing a household budget; and tackling your debts. No registration required. Snacks and childcare (for kids 3 and up) provided at no cost. Registration is at 9 am, Saturday, Nov. 1. Building located between Park Ave. and Broadway Ave., adjacent to the Lewis & Clark Library and old Federal Building, in downtown Helena.

(Lewistown) Homebuyer Education
This is a 2-day class. Attendance at both classes is necessary for certification. Contact person: Carrie Mantooth (cmantooth@hotmail.com). Classes to be held in the Conference Room.

(Billings) First-Time Homebuyer Education Class
This 3-day class covers credit history, debt, affordability, types of loans available, budgeting, insurance, and home maintenance. Guest speakers include a credit counselor, realtor, lender, home inspector, insurance agent, and home maintenance counselor. Assistance programs available to first-time buyers and low-income and working families will be covered. Classes are presented monthly by homeWORD and are open to the public. You are required to attend all three nights to get the completion certificate. Pre-registration is required. Classes are presented monthly by homeWORD and are open to the public.

(Butte) Homebuyer Education Class
This is a two-day class. Advanced registration is required by November 10. Class covers budgeting and credit, the mortgage process, homeowners insurance, and other aspects of homeownership. For information and to register, call Headwaters RC&D Area, Inc., at the number provided.

(Kalispell) Home & Property Buying & Selling Prep
This is a one-day class sponsored by ETHIC (Encouraging The Homeownership Ideals for Communities) Call the number provided for information and to register.

(Missoula) Homebuyer Education
This is a series of two classes. **NOTE: The Saturday class will be at the YWCA; the Monday class will be at the homeWORD-Homeownership Center on N. Higgins. Contact Kathy Sherba at the number provided or at kathy@homeword.org for more information.

(Kal) Homebuyers 'Certified' Ed. & Consulting Pgm
This is a one-day class sponsored by ETHIC (Encouraging The Homeownership Ideals for Communities) ETHIC Scholarships for FVCC Tuition costs available to all home and property buyers

NeighborWorks Great Falls
This is a three-day class. Attendance at all three classes is necessary for certification. Participants must register in advance at the NeighborWorks Great Falls office. You will be asked to pay a $20 fee and sign up for a half-hour appointment the week before the class to review your credit report and pick up materials for the class. If you have any questions, email NeighborWorks Great Falls at nhs@nhsgf.org.

(Kalispell) Financing Real Estate & Your Credit
This is a one-day class sponsored by ETHIC (Encouraging The Homeownership Ideals for Communities).

(Havre) Homebuyer Education
This is a two-day class. Materials and dinner are provided both nights. If fewer than 5 people register for the class, it will be cancelled. Please contact Coni Thorn at North Central Montana RC&D, 1125 Oilfield Ave., Shelby, MT 59474, (406) 434-9161 x114 or at (406) 434-5896.

(Great Falls) Financial Education Classes
This course, titled "Dollars and Sense: Invest in Your Future," is about basic financial education. This four-part series includes: Understanding Credit and Credit Reports; Making Budgeting Work with Your Schedule; Predatory Lending and Identity Theft Insurance; and Financial Institutions and Taxes. Participants must complete all four parts to graduate. Some local partners are offering incentives for participants to graduate, including participation in Individual Development Account (IDA) programs for education/training or homeownership. For information and to register for these free classes, call Lauri at the phone number provided.

(Bozeman) Homeownership Education
Are you ready to buy a home? What are the benefits of homeownership? How do lenders decide to make loans? Our 9-hour, comprehensive homeownership education course, directed by a HUD-Approved instructor, will help you to better understand the home purchase process. Topics covered include: The Advantages and Disadvantages of Homeownership; Assessing Homeownership Readiness; Understanding Credit; Managing your Finances; The Mortgage Process; Special Programs for First-Time Buyers; Shopping for a Home, a Lender, and a Realtor; Closing Your Deal; and Maintaining Your Home and Your Finances after you purchase. Completion of homeownership education makes you a smarter, better borrower, and may help you become eligible for down-payment assistance, low-interest mortgages, and matched savings programs. The course is open and free of charge. Space is limited, so pre-registration and a $25 refundable deposit are required. Attendance of the entire series (9 hours) is required for a certificate. Additional classes/alternate locations may be scheduled for groups of 5 households or more. Individual pre- and post-purchase counseling is also available. Contact the Road to Home counselors at the number provided.

(Missoula) Financial Education Classes
This course, titled "Dollars and Sense: Invest in Your Future," is about basic financial education. This four-part series includes: Understanding Credit and Credit Reports; Making Budgeting Work with Your Schedule; Predatory Lending and Identity Theft Insurance; and Financial Institutions and Taxes. Participants must complete all four parts to graduate. Some local partners are offering incentives for participants to graduate, including participation in Individual Development Account (IDA) programs for education/training or homeownership. Call the number provided for information and to register for these free classes.

(Bozeman) Homeownership Education
Are you ready to buy a home? What are the benefits of homeownership? How do lenders decide to make loans? Our 9-hour, comprehensive homeownership education course, directed by a HUD-Approved instructor, will help you to better understand the home purchase process. Topics covered include: The Advantages and Disadvantages of Homeownership; Assessing Homeownership Readiness; Understanding Credit; Managing your Finances; The Mortgage Process; Special Programs for First-Time Buyers; Shopping for a Home, a Lender, and a Realtor; Closing Your Deal; and Maintaining Your Home and Your Finances after you purchase. Completion of homeownership education makes you a smarter, better borrower, and may help you become eligible for down-payment assistance, low-interest mortgages, and matched savings programs. The course is open and free of charge. Space is limited, so pre-registration and a refundable deposit are required. Attendance of the entire series (9 hours) is required for a certificate. Additional classes/alternate locations may be scheduled for groups of 5 households or more. Individual pre- and post-purchase counseling is also available.

(Kalispell) Financial Education Classes
This course, titled "Dollars and Sense: Invest in Your Future," is about basic financial education. This four-part series includes: Understanding Credit and Credit Reports; Making Budgeting Work with Your Schedule; Predatory Lending and Identity Theft Insurance; and Financial Institutions and Taxes. Participants must complete all four parts to graduate. Some local partners are offering incentives for participants to graduate, including participation in Individual Development Account (IDA) programs for education/training or homeownership. Call the number provided for information and to register for these free classes.

(Butte) Financial Education Classes
This course, titled "Dollars and Sense: Invest in Your Future," is about basic financial education. This four-part series includes: Understanding Credit and Credit Reports; Making Budgeting Work with Your Schedule; Predatory Lending and Identity Theft Insurance; and Financial Institutions and Taxes. Participants must complete all four parts to graduate. Some local partners are offering incentives for participants to graduate, including participation in Individual Development Account (IDA) programs for education/training or homeownership. Call the number provided to register for these free classes.

(Helena) Financial Education Classes
This course, titled "Dollars and Sense: Invest in Your Future," is about basic financial education. This four-part series includes: Understanding Credit and Credit Reports; Making Budgeting Work with Your Schedule; Predatory Lending and Identity Theft Insurance; and Financial Institutions and Taxes. Participants must complete all four parts to graduate. Some local partners are offering incentives for participants to graduate, including participation in Individual Development Account (IDA) programs for education/training or homeownership. Call the number provided to register for these free classes.

(Great Falls) Financial Education Classes
This course, titled "Dollars and Sense: Invest in Your Future," is about basic financial education. This four-part series includes: Understanding Credit and Credit Reports; Making Budgeting Work with Your Schedule; Predatory Lending and Identity Theft Insurance; and Financial Institutions and Taxes. Participants must complete all four parts to graduate. Some local partners are offering incentives for participants to graduate, including participation in Individual Development Account (IDA) programs for education/training or homeownership. Call Lauri at the number provided for information and to register for these free classes.

(Laurel) Homebuyer Education
This is a one-day pre-purchase class. A map to the site can be found at www.beartooth.org. Registration is required by calling 406.962.3914. A $10 fee is payable on the day of the class.

(Glendive) Homebuyer Education
This is a one-day class Fee is per household. Lunch is provided. Call the number provided to contact Khrystye Earle for information and to register.

(Havre) Homebuyer Education
This is a 2-day class. Participants must attend both sessions to complete the class. Materials and dinner are provided both nights. Pre-registration is required. If fewer than 5 individuals register for the class, it will be cancelled. Call Coni Thorn at the above phone number or at 406.434.5896 to register. Addl contact info: North Central MT RC&D, 1125 Oilfield Ave., Shelby, MT 59474. Leave a message if no answer.

(Anaconda) First-Time Homebuyer's Class
This is a 2-day class. Attendance at both classes is necessary for certification. Advanced registration is required. The cost is $10 per person or $15 per couple. Please call Sandy Conway at the above phone number to register.

(Dillon) First-Time Homebuyer's Class
This is a two-day class. Cost is $10 per person or $15 per couple. Attendance at both classes is necessary for certification. Advanced registration is required. To register, please contact: Sandy Conway, Headwaters RC&D Area, Inc., 305 W. Mercury, Ste. 211, Butte, MT 59701, (406) 782-7333, ext. 300, email: sconway@bigdkyhsd.com, website: headwatersrcd.org.

(Miles City) Pre-Purchase Homebuyer Workshop
This is a one-day class. The $20 fee covers each household. Lunch is provided. To register, call Khrystye Earle at the phone number provided.

(Livingston) Homeownership Education
Are you ready to buy a home? What are the benefits of homeownership? How do lenders decide to make loans? Our 9-hour, comprehensive homeownership education course, directed by a HUD-Approved instructor, will help you to better understand the home purchase process. Topics covered include: The Advantages and Disadvantages of Homeownership; Assessing Homeownership Readiness; Understanding Credit; Managing your Finances; The Mortgage Process; Special Programs for First-Time Buyers; Shopping for a Home, a Lender, and a Realtor; Closing Your Deal; and Maintaining Your Home and Your Finances after you purchase. Completion of homeownership education makes you a smarter, better borrower, and may help you become eligible for down-payment assistance, low-interest mortgages, and matched savings programs. The course is open and free of charge. Space is limited, so pre-registration and a refundable deposit are required. Attendance of the entire series (9 hours) is required for a certificate. Additional classes/alternate locations may be scheduled for groups of 5 households or more. Individual pre- and post-purchase counseling is also available.

(Ronan) Homebuyer Education
This is a 2-day class. Please call the phone number listed with any questions.

NeighborWorks Great Falls
This is a one-day class. Attendance is necessary for certification. Interested individuals must register in advance at the NeighborWorks office listed above. You will be asked to pay the $20 fee and sign up for a half-hour appointment the week before the class to review your credit report and pick up materials for the class. If you have any questions, email NeighborWorks Great Falls at nhs@nhsgf.org.

(Kalispell) Financing Real Estate and Your Credit
This one-day class is sponsored by ETHIC (Encouraging The Homeownership Ideals for Communities).

(Butte) First-Time Homebuyers' Class
This is a one-day class. Cost is $10 per person or $15 per couple. Advanced registration is required. Contact Sandy Conway at the above phone number or at: Headwaters RC&D Area, Inc., 305 W Mercury, Ste. 211, Butte, MT 59701, sconway@bigskyhsd.com, website: headwatersrcd.org.

(Helena) First-Time Homebuyers' Workshop
This series of courses held on 9 consecutive Wednesday nights (September 17 through November 12) covers everything a first-time homebuyer needs to know, including: obtaining a loan; homebuyer assistance programs; credit reports; Realtors; home inspectors; taxes; and the title company. Call Beki Brandborg at the above phone number with any questions or comments. The fee is $15 per individual or $20 for two people. Childcare is available. To enroll, send in a completed registration form (available online at http://www.montanafirsttimehomebuyers.com/ClassSchedule.asp?meeting=W2&date=9/17/2008) and fee to: RMDC-HAHTF, c/o Beki Brandborg, 540 West Main St., Helena, MT 59601. Make checks payable to RMDC-HAHTF.