Homebuyer Education

(Lewistown) Homebuyer Education
This is a two-day pre-purchase class. Attedance at both days is required for certification. A pre-registration fee of $10 per household is required by noon the day of the first session and is refundable upon class completion. Contact Carrie Mantooth, Central MT RC&D Assistant Coordinator, at the above phone number or at cmantooth@hotmail.com for more information.

(Billings) Rental Workshop
HRDC of Billings is offering Rental Workshops every 2nd and 4th Monday of each month from 10:30am - 11:30am. These are FREE workshops. Different resources throughout the community regarding rental housing as well as the resources HRDC has to offer will be discussed. There will be additional budgeting education provided as well. For more information please call Laurie Mitchell, HRDC District 7, Housing Coordinator at 406-247-4736.

(Hamilton) Homebuyer Education
Attendance at all three classes is required. The class is especially beneficial to first-time homebuyers with below median incomes, but any potential homebuyer will benefit from the class. Anyone who has not owned a home for three or more years is considered a first-time homebuyer and may be able to purchase a home for monthly payments comparable to what they are paying in rent. Homebuyer education classes are brought to you by the Bitter Root RC&D in partnership with US Department of Housing and Urban Development, by NeighborWorks® of Montana, the Human Resources Council and the Montana Board of Housing. Completion of this class is required in order to qualify for some of the special homebuyer loan assistance programs. You can register for the class by calling the Bitterroot RC&D at 363-1444 ext 5. When you register, you will just need to give your name and phone number to reserve a spot. Some scholarships are available.

(Bozeman) Homebuyer 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 to everyone and free of charge. Space is limited, so pre-registration and a refundable deposit are required. You must attend an entire series (9 hours) to get a certificate. Sign up for our next class series now! Individual pre and post-purchase counseling is also available. To sign up or for more information about homeownership opportunities please contact The Road to Home Counselors at 587-4486.

(Kal) Home & Property Buyers' Ed. & Consulting
This not-for-profit Certified Consumer Education-Consulting Program is made possible by Housing Affordability Ladder (HAL), Community Action Partnership of NW MT- formerly NW MT Human Resources, Glacier Affordable Housing Foundation, Montana Board of Housing, USDA Rural Development, NeighborWorks® of Montana & United Way ETHIC provides scholarships for FVCC tuition costs to all home and property buyers.

(Butte) Homebuyer Education
Headwaters RC&D Area, Inc. provides 1st Time Homebuyer Education classes on a monthly basis.These eight-hour classes are held on two evenings from 5-9 p.m. In order to receive a Certification of Completion the participant must attend the full 8-hour session. The classes provide information on budgeting and credit, the home loan process, down-payment and closing cost assistance, homeowners and life insurance, home maintenance, protecting your equity, and USDA Rural Development Programs including the Self-Help Program. Advanced Registration is required, cost is $20 per person, $30 per family. NOTE: Our classroom is not suitable for children. Please arrange for child care in your own home during the class. If classes are moved to another place, you will be notified. For further information contact (406) 782-7333, ext. 300.

(Great Falls) Homebuyer Education
This is a three-day class offered monthly. Attendance at all three classes is required for certification. The purpose of the class is to teach potential homeowners about the process of purchasing a home. NWGF depends on an array of experts, from several areas of homeownership, to give presentations throughout the class. A sampling of topics include: - Choosing a lender - Finding a real estate agent who really grasps your needs and price range - Understanding the importance of a home inspection - Evaluating your credit (done on a one-to-one basis), and understanding the importance of monitoring your credit report - Learning about home budgeting - Exploring home maintenance to ensure your home continues to be an asset that appreciates You will be asked to pay a $25 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 call (406) 761-5861 or e-mail NeighborWorks Great Falls at: info@nhsgf.org

(Helena) First Time Homebuyers Education
Helena's First Time Home Buyers' Education classes will be held for three consecutive Saturdays. All 3 classes must be attended to graduate. Childcare for kids 3+ is available at no charge. Fee is $15 for one person; $20 for any two people. Registration in advance is appreciated. For more information, please call Beki at (406) 431-2151. You can also register on-line at http://montanafirstfimehomebuyers.com .

(Ronan) Homebuyer Education
All aspects of becoming a homeowner and the financial assistance available for homebuyers will be presented by area professionals. This is a two-evening class. You must attend both nights to receive certification. To register, please contact Sharon at Ronan Housing Authority at (406) 676-5900.

(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. A non-refundable fee of $20 per person is due the first night of the class. RSVP is required 2 days before class begins. Call Coni Thorn at the above phone number to register.

(Billings) Homebuyer Education
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. Please make checks or money orders payable to homeWORD and submit with registration. No cash, please. For information, call Darrell LaMere @ homeWORD (406) 255-0298. homeWord Billings accepts on-line registration at: http://www.homeword.org/hoc/homebuyerclasses.htm

(Laurel) Homebuyer Education
Beartooth RC&D offers first time homebuyer education classes on the 2nd and 4th Saturday of each month. This is a one day pre-purchase class. Please choose one day only. Pre-registration is required by calling 406-962-3914. These classes provide education and hands on tools about understanding your credit, setting up a workable household budget, goal setting, calculating affordability for a new mortgage, lending options, finding a realtor, protecting your assets and shopping for insurance, personal taxes and tax credits, down payment assistance programs, maintaining your investment, what to expect at closing, foreclosure prevention and predatory lending. There is a $20.00 fee per family / household payable on the day of the class. Cash or checks payable to: Beartooth RC&D are accepted. For more information, please call Diana Spint or Paige Weber at 406-962-3914 or email us at: info@beartooth.org. An online homebuyer registration form is now available that can be completed prior to the class and either faxed to 406-962-3647, emailed to: pweber@beartooth.org or brought with you to class.

(Hamilton) Homebuyer Education
Attendance at all three classes is required. The class is especially beneficial to first-time homebuyers with below median incomes, but any potential homebuyer will benefit from the class. Anyone who has not owned a home for three or more years is considered a first-time homebuyer and may be able to purchase a home for monthly payments comparable to what they are paying in rent. Homebuyer education classes are brought to you by the Bitter Root RC&D in partnership with US Department of Housing and Urban Development, by NeighborWorks® of Montana, the Human Resources Council and the Montana Board of Housing. Completion of this class is required in order to qualify for some of the special homebuyer loan assistance programs. You can register for the class by calling the Bitter Root RC&D at 363-1444 ext 5. When you register, you will just need to give your name and phone number to reserve a spot. Some scholarships are available. The class is held in the new conference room.

(Helena) Budgeting and Money Management Course
This FREE course is 2 consecutive Saturdays. 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. Building located between Park Ave. and Broadway Ave., adjacent to the Lewis & Clark Library and old Federal Building, in downtown Helena.

(Laurel) Homebuyer Education
Beartooth RC&D offers first time homebuyer education classes on the 2nd and 4th Saturday of each month. This is a one day pre-purchase class. Please choose one day only. Pre-registration is required by calling 406-962-3914. These classes provide education and hands on tools about understanding your credit, setting up a workable household budget, goal setting, calculating affordability for a new mortgage, lending options, finding a realtor, protecting your assets and shopping for insurance, personal taxes and tax credits, down payment assistance programs, maintaining your investment, what to expect at closing, foreclosure prevention and predatory lending. There is a $20.00 fee per family / household payable on the day of the class. Cash or checks payable to: Beartooth RC&D are accepted. For more information, please call Diana Spint or Paige Weber at 406-962-3914 or email us at: info@beartooth.org An online homebuyer registration form is now available that can be completed prior to the class and either faxed to 406-962-3647, emailed to: pweber@beartooth.org or brought with you to class.

(Bozeman) Homebuyer 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 to everyone and free of charge. Space is limited, so pre-registration and a refundable deposit are required. You must attend an entire series (9 hours) to get a certificate. Sign up for our next class series now! Individual pre and post-purchase counseling is also available. To sign up or for more information about homeownership opportunities please contact The Road to Home Counselors at 587-4486.

(Great Falls) Homebuyer Education
NeighborWorks Great Falls (NWGF) offers its Homebuyer Education class once per month. The purpose of the class is to teach potential homeowners about the process of purchasing a home. NWGF depends on an array of experts, from several areas of homeownership, to give presentations throughout the class. A sampling of topics include: - Choosing a lender - Finding a real estate agent who really grasps your needs and price range - Understanding the importance of a home inspection - Evaluating your credit (done on a one-to-one basis), and understanding the importance of monitoring your credit report - Learning about home budgeting - Exploring home maintenance to ensure your home continues to be an asset that appreciates. You will be asked to pay a $25 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. All classes are held at NeighborWorks Great Falls- 509 1st Avenue South If you have any questions, please call (406) 761-5861 or e-mail NeighborWorks Great Falls at: info@nhsgf.org

(Ronan) Homebuyer Education
All aspects of becoming a homeowner and the financial assistance available for homebuyers will be presented by area professionals. To register, please contact Sharon at Ronan Housing Authority (406) 676-5900.

(Helena) First-Time Homebuyers' Education
Helena's First Time Home Buyers' Education classes will be held for three consecutive Saturdays. All 3 classes must be attended to graduate. Childcare for kids 3+ is available at no charge. Call Beki at the above phone number with any questions or comments. The fee is $15 per individual or $20 for two people. You can also register on-line at http://montanafirsttimehomebuyers.com/. Registration in advance is appreciated.

(Hamilton) Homebuyer Education
Attendance at all three classes is required. The class is especially beneficial to first-time homebuyers with below median incomes, but any potential homebuyer will benefit from the class. Anyone who has not owned a home for three or more years is considered a first-time homebuyer and may be able to purchase a home for monthly payments comparable to what they are paying in rent. Homebuyer education classes are brought to you by the Bitter Root RC&D in partnership with US Department of Housing and Urban Development, by NeighborWorks® of Montana, the Human Resources Council and the Montana Board of Housing. Completion of this class is required in order to qualify for some of the special homebuyer loan assistance programs. You can register for the class by calling the Bitterroot RC&D at 363-1444 ext 5. When you register, you will just need to give your name and phone number to reserve a spot. Some scholarships are available. Classes are held in the new conference room.

(Laurel) Homebuyer Education
Beartooth RC&D offers first time homebuyer education classes on the 2nd and 4th Saturday of each month. This is a one day pre-purchase class. Please choose one day only. Pre-registration is required by calling 406-962-3914. These classes provide education and hands on tools about understanding your credit, setting up a workable household budget, goal setting, calculating affordability for a new mortgage, lending options, finding a realtor, protecting your assets and shopping for insurance, personal taxes and tax credits, down payment assistance programs, maintaining your investment, what to expect at closing, foreclosure prevention and predatory lending. There is a $20.00 fee per family / household payable on the day of the class. Cash or checks payable to: Beartooth RC&D are accepted. For more information, please call Diana Spint or Paige Weber at 406-962-3914 or email us at: info@beartooth.org An online homebuyer registration form is now available that can be completed prior to the class and either faxed to 406-962-3647, emailed to: pweber@beartooth.org or brought with you to class.

(Missoula) homeWORD Home Buyer Education
homeWORD's homebuyer class is a nationally certified 11-hour class, which provides individuals and families comprehensive information covering the basics of the home-buying process. Online registration opens approximately one month prior to beginning date of class. If you have any questions, or for a paper registration form call Holly Klier at (406) 532-4663 x10. Saturday class at Mountain West Bank, 3301 Great Northern Ave. (behind Costco); take stairs or elevator to basement and follow signs. Monday class at homeWORD offices, 127 N. Higgins, Suite 303. homeWord Missoula now accepting on-line registrations at http://www.homeword.org/hoc/homebuyerclasses.htm . Free child care vouchers at Busy Hands Fun Center are available for class registrants! There is a $10 per person, non-refundable, registration fee to cover the cost of materials. A $25 returned check fee, payable to homeWORD, will be charged for all returned checks, in addition to any bank fees.

(Sidney) Homebuyer Education
Eastern Plains RC&D Area, Inc. provides 1st Time Homebuyer Education classes once a month in various cities in Eastern Montana. These 8-hour classes are held on one Saturday per month. In order to receive a Certification of Completion the participant must attend the full 8-hour session. The classes provide information on budgeting and credit, the home loan process, down-payment and closing cost assistance, homeowners insurance, home inspection, and protecting your investment. The cost of the class is $20.00 per household. Lunch is provided by Eastern Plains RC&D Area, Inc. For more information or to register, please contact Aileen @ 406-433-2103 X 125.

(Lewistown) Homebuyer Education Class
This is a two-day class. Attendance at both classes is required for certification. A pre-registration fee of $10 per household is required by noon the day of the first session and is refundable upon class completion. Contact Carrie Mantooth, Central MT RC&D Assistant Coordinator, at the above phone number or at cmantooth@hotmail.com for more information.

(Billings) Rental Workshop
HRDC of Billings is offering Rental Workshops every 2nd and 4th Monday of each month from 10:30am - 11:30am. These are FREE workshops. Different resources throughout the community regarding rental housing as well as the resources HRDC has to offer will be discussed. There will be additional budgeting education provided as well. For more information please call Laurie Mitchell, HRDC District 7, Housing Coordinator at 406-247-4736.

(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. A non-refundable fee of $20 per person is due at the first night of the class. RSVP is required 2 days before the class begins. Please contact Coni Thorn at North Central RC&D (406) 434-9161 x114 for registration.

(Ronan) Homebuyer Education
All aspects of becoming a homeowner and the financial assistance available for homebuyers will be presented by area professionals. To register, pease contact Sharon at Ronan Housing Authority at (406) 676-5900.

(Kal) Home & Property Buyers' Ed. & Consulting
This one-day, not-for-profit Certified Consumer Education-Consulting Program is made possible by Housing Affordability Ladder (HAL), Community Action Partnership of NW MT- formerly NW MT Human Resources, Glacier Affordable Housing Foundation, Montana Board of Housing, USDA Rural Development, NeighborWorks® of Montana & United Way ETHIC provides scholarships for FVCC tuition costs to all home and property buyers.

(Butte) Homebuyer Education
Headwaters RC&D Area, Inc. provides 1st Time Homebuyer Education classes on a monthly basis. These eight-hour classes are held on two evenings from 5-9 p.m. In order to receive a Certification of Completion the participant must attend the full 8-hour session. The classes provide information on budgeting and credit, the home loan process, down-payment and closing cost assistance, homeowners and life insurance, home maintenance, protecting your equity, and USDA Rural Development Programs including the Self-Help Program. Advanced Registration is required, cost is $20 per person or $30 per household. NOTE: Our classroom is not suitable for children. Please arrange for child care in your own home during the class. If classes are moved to another place, you will be notified. For further information contact (406) 782-7333, ext. 300.

(Great Falls) Homebuyer Education
This class is offered monthly. Attendance at all three classes is required for certification. The purpose of the class is to teach potential homeowners about the process of purchasing a home. NWGF depends on an array of experts, from several areas of homeownership, to give presentations throughout the class. A sampling of topics include: - Choosing a lender - Finding a real estate agent who really grasps your needs and price range - Understanding the importance of a home inspection - Evaluating your credit (done on a one-to-one basis), and understanding the importance of monitoring your credit report - Learning about home budgeting - Exploring home maintenance to ensure your home continues to be an asset that appreciates You will be asked to pay a $25 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 call (406) 761-5861 or e-mail NeighborWorks Great Falls at: info@nhsgf.org.

(Billings) Homebuyer Education
You are required to attend all three nights to get the 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 buyers and low-income and working families will be covered. Pre-registration is required. Please make checks or money orders payable to homeWORD and submit with registration. No cash, please. For information, call Darrell LaMere @ homeWORD (406) 255-0298. homeWord Billings accepts on-line registration at: http://www.homeword.org/hoc/homebuyerclasses.htm

(Missoula) Financial Fitness Course
Are your finances controlling you? Attend homeWORD’s “Financial Fitness” course to learn how to manage your money! Financial Fitness is a nationally-certified personal financial management course for adults. homeWORD is offering a 9-hour Financial Fitness workshop monthly. Participants will learn how to set financial goals, create budgets and savings plans, understand credit reports, make smart borrowing choices, manage debt, make smart insurance and tax choices, and avoid financial pitfalls. Pre-registration is required. You can register online at http://www.homeword.org/hoc/ff_registration.htm. or call Holly Klier at (406) 532-4663 ext. 10 for a paper registration form or for class details. There is a $10 per person, non-refundable, registration fee to cover the cost of materials. A $25 returned check fee, payable to homeWORD, will be charged for all returned checks, in addition to any bank fees. Scholarships are available. Free child care vouchers at Busy Hands Fun Center are available for class registrants!

(Helena) Budgeting & Money Management Course
This FREE course is 2 consecutive Saturdays. 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. Building located between Park Ave. and Broadway Ave., adjacent to the Lewis & Clark Library and old Federal Building, in downtown Helena.

(Billings) Homebuyer Education
This one-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 the entire session to get the completion certificate. Pre-registration is required. Please make checks or money orders payable to homeWORD and submit with registration. No cash, please. For information, call Darrell LaMere @ homeWORD (406) 255-0298. homeWord Billings accepts on-line registration at: http://www.homeword.org/hoc/homebuyerclasses.htm

(Kal) Home & Property Buyer's Cert Ed & Consulting
This two-part, not-for-profit Certified Consumer Education-Consulting Program is made possible by Housing Affordability Ladder (HAL), Community Action Partnership of NW MT- formerly NW MT Human Resources, Glacier Affordable Housing Foundation, Montana Board of Housing, USDA Rural Development, NeighborWorks® of Montana & United Way ETHIC provides scholarships for FVCC tuition costs to all home and property buyers.

(Great Falls) Homebuyer Education
This class is offered monthly. Attendance at all three classes is required for certification. The purpose of the class is to teach potential homeowners about the process of purchasing a home. NWGF depends on an array of experts, from several areas of homeownership, to give presentations throughout the class. A sampling of topics include: - Choosing a lender - Finding a real estate agent who really grasps your needs and price range - Understanding the importance of a home inspection - Evaluating your credit (done on a one-to-one basis), and understanding the importance of monitoring your credit report - Learning about home budgeting - Exploring home maintenance to ensure your home continues to be an asset that appreciates You will be asked to pay a $25 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 call (406) 761-5861 or e-mail NeighborWorks Great Falls at: info@nhsgf.org

(Havre) Homebuyer Education
These are 2-day monthly classes. You must attend both nights to receive certification. Dinner and materials are provided. A non-refundable fee of $20 per person is due at the first night of the class. RSVP is required 2 days before the class begins. Please contact Coni Thorn at North Central RC&D (406) 434-9161 x114 for registration.

(Butte) Homebuyer Education
Headwaters RC&D Area, Inc. provides 1st Time Homebuyer Education classes on a monthly basis.These eight hour classes are held on two evenings from 5-9 p.m. In order to receive a Certification of Completion the participant must attend the full 8-hour session. The classes provide information on budgeting and credit, the home loan process, down-payment and closing cost assistance, homeowners and life insurance, home maintenance, protecting your equity, and USDA Rural Development Programs including the Self-Help Program. Advanced Registration is required, cost is $20 per person or $30 per household. NOTE: Our classroom is not suitable for children. Please arrange for child care in your own home during the class. If classes are moved to another place, you will be notified. For further information contact (406) 782-7333, ext. 300.

(Ronan) Homebuyer Education
All aspects of becoming a homeowner and the financial assistance available for homebuyers will be presented by area professionals. This is a two-evening class. You must attend both nights to receive certification. To register, please call Shannon at Ronan Housing Authority at (406) 676-5900.

(Laurel) Homebuyer Education
Beartooth RC&D offers first time homebuyer education classes on the 2nd and 4th Saturday of each month. This is a one day pre-purchase class. Please choose one day only. Pre-registration is required by calling 406-962-3914. These classes provide education and hands on tools about understanding your credit, setting up a workable household budget, goal setting, calculating affordability for a new mortgage, lending options, finding a realtor, protecting your assets and shopping for insurance, personal taxes and tax credits, down payment assistance programs, maintaining your investment, what to expect at closing, foreclosure prevention and predatory lending. There is a $20.00 fee per family / household payable on the day of the class. Cash or checks payable to: Beartooth RC&D are accepted. For more information, please call Diana Spint or Paige Weber at 406-962-3914 or email us at: info@beartooth.org. An online homebuyer registration form is now available that can be completed prior to the class and either faxed to 406-962-3647, emailed to: pweber@beartooth.org or brought with you to class.

(Lewistown) Homebuyer Education
This is a two-day pre-purchase class. Attendance at both classes is required for certification. A pre-registration fee of $10 per household is required by noon the day of the first session and is refundable upon class completion. Contact Carrie Mantooth, Central MT RC&D Assistant Coordinator, at the above phone number or at cmantooth@hotmail.com for more information.

(Bozeman) Homebuyer 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 to everyone and free of charge. Space is limited, so pre-registration and a refundable deposit are required. You must attend an entire series (9 hours) to get a certificate. Sign up for our next class series now! Individual pre and post-purchase counseling is also available. To sign up or for more information about homeownership opportunities please contact The Road to Home Counselors at 587-4486.

(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.

(Stevensville) Homebuyer Education
The Bitterroot Resource Conservation and Development Area, Inc. (RC&D) is holding a nationally certified homebuyer education class. At least 6 participants must be registered in order for the class to be held. All-day attendance is required for certification. The class is especially beneficial to first-time homebuyers with below median incomes, but any potential homebuyer will benefit from the class. Anyone who has not owned a home for three or more years is considered a first-time homebuyer and may be able to purchase a home for monthly payments comparable to what they are paying in rent. Homebuyer education classes are brought to you by the Bitterroot RC&D and funded in part by NeighborWorks® of Montana and the Montana Board of Housing. Completion of this class is required in order to qualify for some of the special homebuyer assistance programs. The $20 fee covers the cost of reference materials. Lunch is brown bag or on your own.

(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.

(Glasgow) Homebuyer Education
This is a one-day class. To register or for more information, please contact Pam Berwick at the phone number provided.

(Sheridan) Homebuyer Education
Headwaters RC&D Area, Inc. provides 1st Time Homebuyer Education classes on a monthly basis.These eight-hour classes are held on two evenings from 5-9 p.m. In order to receive a Certification of Completion the participant must attend the full 8-hour session. The classes provide information on budgeting and credit, the home loan process, down-payment and closing cost assistance, homeowners and life insurance, home maintenance, protecting your equity, and USDA Rural Development Programs including the Self-Help Program. Advanced Registration is required, cost is $20 per person. NOTE: Our classroom is not suitable for children. Please arrange for child care in your own home during the class. If classes are moved to another place, you will be notified. For further information contact (406) 782-7333, ext. 300.

(Kalispell) Free to Choo$e Program
This is a 10-week financial education course for the whole family. Upon completion of the 10-week class, families will be assigned a financial mentor and receive a $300 line of credit. For more information, call Claudine at 406-752-6565 or 1-800-344-5979.

(Lewistown) Financial Education Classes
This is a four-part series for a total of eight hours of education. Part 1: Basic Financial Planning and Money Management Part 2: Saving and Investing Part 3: Banks and Other Financial Institutions Part 4: Credit Registration is required, some scholarships are available. To register, call Carrie at SMDC, (406) 535-2592 or email her at cmantooth@hotmail.com.

(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.

(Kalispell) Financing Real Estate and Your Credit
This two-part program is sponsored by ETHIC (Encouraging The Homeownership Ideals for Communities).

(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.

(Livingston) Homebuyer 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. Individual pre and post-purchase counseling is also available. To sign up or for more information about homeownership opportunities please contact The Road to Home Counselors at (406) 587-4486.

(Cut Bank) Homebuyer Education
These are 2-day monthly classes. You must attend both nights to receive certification. Dinner and materials are provided. A non-refundable fee of $20 per person is due at the first night of the class. RSVP is required 2 days before the class begins. Please contact Coni Thorn at North Central RC&D (406) 434-9161 x114 for registration.

(Pablo) Native Homebuyer Education
This is a one-day class. Attendance for the entire day is required for certification. This class is free of charge and breakfast, lunch and materials will be provided. Contact Daniel Tromp at the phone number provided email him at dtromp@skha.org for more information and to register.

(Pablo) Native Homebuyer Education
This is a one-day class. All-day attendance is required for certification. This class is free of charge and breakfast, lunch and materials will be provided. Please contact Daniel Tromp at Salish Kootenai Housing Authority by calling (406) 675-4491 or email him at dtromp@skha.org to register.

(Miles City) Homebuyer Education
Eastern Plains RC&D Area, Inc. provides 1st Time Homebuyer Education classes once a month in various cities in Eastern Montana. These eight-hour classes are held on one Saturday per month. In order to receive a Certification of Completion the participant must attend the full 8-hour session. The classes provide information on budgeting and credit, the home loan process, down-payment and closing cost assistance, homeowners insurance, home inspection, and protecting your investment. Please call Aileen at (406) 433-2103 x125 to register. The cost of the class is $20.00 per household. Lunch is provided by Eastern Plains RC&D Area, Inc.

(Kal) Home & Property Buying & Selling Prep.
This three-part program is sponsored by ETHIC (Encouraging The Homeownership Ideals for Communities) To register, call the phone number provided. ETHIC Scholarships for FVCC Tuition costs available to all home and property buyers.

(Missoula) homeWORD Homebuyer Education
Free child care vouchers at Busy Hands Fun Center are available for class registrants! Pre-registration is required. You can register online at http://www.homeword.org/hoc/ff_registration.htm. or call Holly Klier at (406) 532-4663 ext. 10 for a paper registration form or for class details. There is a $10 per person, non-refundable, registration fee to cover the cost of materials. A $25 returned check fee, payable to homeWORD, will be charged for all returned checks, in addition to any bank fees. Scholarships are available.

(Townsend) Homebuyer Education Class
For residents of Broadwater and Meagher Counties only Registration in advance is requested. Fee is $15 per person, or $20 per couple/two people. Please make checks out to Townsend Area Housing Task Force or TAHTF. To register and for location and other information, contact Reggie or Billie at Townsend State Bank, 266-3176 orrschapp@StateBankOfTownsend.com.

(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.

(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.

(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.

(Helena) Financial Education "Dollars & Sense"
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.