homebuyer education course in spanish

Beyond Housing launches an in-person homebuyer education course in Spanish

More than 10 percent of the people Homeownership Advisor Ester Alfau-Compas meets with speak Spanish. But until recently, their only option for a homeownership education course approved by the U.S. Department of Housing and Urban Development (HUD) were to attend an on-demand Spanish version online or an in-person class in English.

Now there’s an in-person Spanish option through Beyond Housing , the largest HUD-approved agency for homebuyer education and housing counseling in the metro area. The course—the first to be offered in Spanish by a HUD-approved agency in St. Louis—is led by Alfau-Compas, a bilingual, HUD-certified counselor with deep knowledge honed over many years of educating prospective homebuyers about the four Cs of homeownership: credit, capital, capacity, and collateral.

Although Alfau-Compas said all the information is the same between the English and Spanish versions, there are cultural nuances. For example, as someone who grew up in the Dominican Republic, she understands why immigrants might be reluctant to deposit money in banks or open a line of credit. “It’s a completely different banking system,” she pointed out.

“Spanish-speakers and English-speakers often have a different set of challenges,” Alfau-Compas continued. “Spanish-speakers tend to be very resourceful and good at managing money but need more information on using credit to their benefit.”

She and the course’s guest speakers use both Spanish and English acronyms and phrases when they go in-depth on topics such as lending and credit. “Prospective homebuyers may be familiar with financial terms in Spanish, but they need to know them in English too,” she explained.

Alfau-Compas said Spanish-speaking people make up a growing share of those who come to Beyond Housing for homeownership classes and counseling on how to obtain and sustain their homes. To spread the word about its new in-person Spanish-language homebuyer education courses, Beyond Housing recently joined the Hispanic Chamber of Commerce.

Participants are often referred by lenders and realtors—and some find out about Beyond Housing through social media and/or internet come from within Beyond Housing’s own 500 rental units.

One of the most common misconceptions Alfau-Compas encounters relates to who can buy a house in the U.S. “Many Spanish-speaking people feel that if they’re not a permanent resident or citizen, they cannot buy a house—and that’s not necessarily true,” she said. “If they’ve been working, reporting their income, and paying taxes, there’s a chance they can buy a house.”

The end of the year is a perfect time to start the homebuying education process, Alfau-Compas said. People may be more motivated to take initial steps toward applying for a mortgage such as modifying their tax withholding for the following year. “After that,” she said, “the timeline is a matter of how prepared and how dedicated they are..”

An overview of Beyond Housing’s homebuyer education course

• An introduction to Beyond Housing, its mission, and why it exists
• Establishing and rebuilding credit
• Money management and budgeting
• The mortgage loan approval process
• Aspects of real estate, including home inspection and homeowner’s insurance
• Home maintenance and protecting your investment.

More information—including the schedule and fees for Spanish-language classes—is available on the Homebuyer Education Program website .

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Neighbor to Neighbor Now Offering Homebuyer Education Class in Spanish

Free, in-person class taught by industry experts prepares first-time buyers for the homebuying process.

July 25, 2023 –

Neighbor to Neighbor (N2N), a local nonprofit providing housing stability services in Larimer County for over 50 years, has expanded its free homebuyer education course to begin offering classroom education for Spanish speakers.

N2N began offering services geared towards homeowners in 2009 and has provided an online homebuyer class in Spanish for 10 years. “It has been our goal to create the same in-person learning experience for Spanish speakers that we have been providing in English since 1999, and we are proud that this work helps remove potential homeownership barriers for our Spanish-speaking neighbors,” shared Miranda Minton, Senior Homeownership Manager.

From an individual just beginning to explore the option of homeownership, to a couple preparing to close on their first home, N2N’s full-day, interactive class is dedicated to helping participants understand and navigate each stage of the decision-making process. Industry leaders are selected by N2N to help teach each class, offering participants access to expert knowledge as well as a no-pressure opportunity to have their questions answered.

“Our Homeownership Advisory Board is an incredible group of compassionate professionals who are invested in our mission ,” expressed N2N Executive Director Kelly Evans. “In teaching our class, they have found the perfect way to contribute to their community by offering what they do best – helping people understand the ins and outs of the home buying process.”

Eight households attended the first Spanish Homebuyer Education Class on June 15, and one family has successfully closed on their first home since participating. Feedback from surveyed participants was positive, with one couple stating, “Me gusta que alla este tipo de clase para primeros compradores. ¡Gracias por tenerlas en español!” (“I like that there is this kind of class for first buyers. Thank you for having them in Spanish!”).

N2N’s homebuyer class is reviewed and approved by the Department of Housing and Urban Development (HUD) and Colorado Housing and Finance Authority (CHFA), and fulfills the educational requirements for many programs, including Larimer Home Ownership Program (LHoP), United States Department of Agricultural Housing Assistance program, and CHFA. Upon completion of the course, participants receive a homebuyer education certificate which they can provide to their loan officer. Currently, the agency educates over 1300 households each year, with 85% becoming home buyers.

By securing funding from local businesses, N2N is able to continue offering its homebuyer education classes for free to all interested community members. In 2023, First Bank , ANB Bank , UCHealth and Neuhaus Real Estate have sponsored the program, allowing N2N to offer 20 classes to the community. The next Spanish language class is scheduled for August 5 th , with registration now open at www.n2n.org/hbe .

Each year, N2N impacts over 10,000 Larimer County residents by preventing and ending homelessness, providing financial health education, youth enrichment programs, homeownership assistance and education, and affordable apartment homes for families and individuals

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First Time Homebuyer Education Classes

We currently offer only offer an  Online First Time Homebuyer Education Class due to Covid-19.

To register for the online course, follow steps one through four below "Online Homebuyer Education Class."

The online class meets HUD requirements for obtaining an 8-hour HUD certificate and is valid in all United States territories.  This certificate is required in order to participate in various BMR (Below Market Rate), BMP (Below Market Program), and DPA (Down Payment Assistance) homebuyer programs and or loans. For additional information, please see the "Frequently Asked Questions" section below.

We do plan to resume in-person classes, however we do not yet have a starting date.

We have had to increase our fees due to the fact that we are currently not funded by our local cities or county. 

Online Homebuyer Education Class

$99.00 fee per participant.

Course is available  in Spanish .

To Receive  a Certificate you must:

1. Complete the online course

2. Schedule & attend a one on one counseling  session

"Is this Course

right for me?"

Make sure the program you are applying for accepts online courses.

Refunds are not available .

Register for

$99.00 fee per pariticpant

One certificate per account. 

If a spouce or significant other needs a certificate, they will have to register on their own and complete the course.

Complete the Course

Complete the Course at your own pace.

Access is available 24/7.

Schedule a Counseling Session

You will receive  an email to schedule your appointment after reaching 100% course completion.

  You must complete counseling to receive your certificate.

In-Person Homebuyer Education Class

There is a $99.00 fee per person.

To Receive a Certificate you must:

1. Attend the entire class

2. Turn in the Assessment

Download Assessment

Participants must complete the Assessment prior to the class.

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Select a class date to attend. 

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Doors automatically open at 8:00am.

Late arrivals will not be admitted.

"I attended a class,

what do I do now?"

Inquire about free 1:1 counseling.

Or sign up for one of our free Homeownership Fairs.

Have additional questions?

Need a reissued certificate, contact us.

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Homebuyer Education

Online course.

In addition to in-person counseling, we offer online homebuyer education courses in both English and Spanish! The fee is $99 per household, which is determined by eHomeAmerica, the course vendor. The course is approximately 8 hours, and is set-up so that you can stop and conveniently return to your saved course section. 

We offer a discount coupon code to clients who participate in our one-on-one housing counseling. Clients with a coupon code are charged $50 for the course.

Register for the online homebuyer education course, learn at your own pace, and earn your Certificate of Completion. Your Certificate is processed and emailed to you within 1-2 business days.

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eHome America Online Class

EHome America is the most comprehensive e-learning home buyer training course available throughout the nation delivered in English and Spanish. 

This structured web-based class is based on the NeighborWorks America curricula, ‘Realizing the American Dream’ with videos to assist learning.  eHome America Homebuyer Education course checks student’s learning with frequent feedback through quizzes and tests. eHome America satisfies homeownership education requirements by state housing agencies (such as Maryland CDA program).

Potential homebuyers can access eHome America by clicking  here .  Available in Spanish by clicking on  eHome America  en   Espanol .

If you would like to learn more first, watch this short overview video:

Framework online class.

Another well-known and successful online homebuying education training tool for potential homebuyers to utilize is Framework.  Potential homebuyers that cannot attend face-to-face homebuying classes can learn, when, where, and how they like on every step of the home buying process. 

CLICK HERE  to get started with  Framework .

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Homebuyer Education

Virginia Housing is here to help you become a homeowner by preparing for the entire homebuying process. You can explore in-person classes, virtual sessions and online courses.

Learn About Our Free Homebuyer Education

We offer in-person classes that cover all aspects of the homebuying process. All classes are free and follow local COVID-19 protocols.

If you prefer to learn at your own pace, choose an online course that offers all of the elements of our in-person class. On average, expect the course to take around eight hours to complete.

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Community Partners of South Florida  helps Palm Beach County families realize their dreams of owning a home. Our advisors assist first-time homebuyers to make wise decisions and gain confidence. We’ll be with you every step of the way to help with what is likely the biggest purchase of your life. 

Why rent when you can own?

We have helped over 1,000 people buy their homes.  We’re ready to help you.

• Explore your possibilities with a FREE initial consult
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• Take the 8-hour homebuyer education class required by most lenders
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• Choose the right home for you and your family 

Who is eligible?

All residents of Palm Beach County are eligible to access our education and counseling programs. However, to access certain programs including lending and down payment assistance, your income cannot exceed 120 percent of the Palm Beach County Area Median Household Income (AMI), which stands at $90,300 for 2022. 

How do we get started?

• Submit a referral by clicking  cpsfl.org/submit-referral  and choose " Homeownership & Lending Services " 
• Or Email at  [email protected]  or call 561-841-3500 x 1075
• Or stop by the main office at 2001 W. Blue Heron Blvd., Riviera Beach, FL 33404

A minimal fee applies for some programs. Please see our fee schedule under  resources.  

Fees for Services

Credit Report Fee  $28.55 (single report) $57.10 (joint report)

Initial Counseling Session (45 min-1hr)  No Cost

Mortgage Delinquency/Foreclosure Prevention  No Cost

Reverse Mortgage Counseling (HECM)  $140

File Packaging Fee  $150

• Includes collecting required documents to complete, submit, and file with the Mortgage Lender and/or Down Payment Assistance Program of your choice

In-person Homebuyer Education Class  $50 individual or $80 per couple

Financial Fitness Class  No Cost 

eHome online Homebuyer Education Course  $99

• Offered in English and Spanish

Money Management Course  $45 

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Are you interested in buying a home for the first time? Do you have questions about the path to homeownership? We have helped many families purchase their first home with safe and affordable mortgages.

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The additional costs associated with buying a home can be a barrier for buyers with limited income. For qualified buyers that complete our program, connect you with the resources to access Down Payment and Closing Cost Assistance through partnerships with IHDA and the Federal Home Loan Bank. 

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Additional resources . 

View All Learning Articles

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Be a better, smarter home buyer.

• Free lessons for first-time home buyers
• Online course to learn at your own pace
• Accessible video and written lessons
• Lessons on everything from budgeting and approval to closing on your home

What Is Homebuyer Education?

Our Homebuyer education course provides a home buying timeline with advice for each step of the journey so you feel confident buying your first home.

Homebuyer.com’s curriculum is designed to help you understand the mortgage and buying process so you can make better, smarter home buying decisions.

Homebuyer Curriculum

Here’s every phase covered in our first-time home buyer education class:

• Pre-house Hunting
• Costs of Homeownership
• Getting Pre-approved
• Shopping for Your New Home
• Making an Offer
• Shopping for Your Mortgage
• Getting a Home Inspection
• Getting a Mortgage
• Closing on Your New Home

Homebuyer experts are here to assist you with every step of your home buying journey.

How Much Do Home Buyer Education Classes Cost?

Homebuyer.com’s online course is free for everyone interested in learning about home buying. Our online registration never expires, so you can study on your schedule.

Other home buyer education courses may cost between $75-$125. These classes are available online and in person, depending on your course provider.

How Long Is Home Buyer Education?

HUD-certified courses are eight hours long, and most home buyer education classes last between five and eight hours.

Homebuyer.com’s online course allows you to learn at your own pace without specified class time. If you choose to complete your lesson all at once, you can finish the course in under two hours.

Why Trust Homebuyer.com for Your Home Buyer Education?

Homebuyer has over 15 years of experience in the mortgage industry, and we exclusively lend to first-time buyers . We’re experts at navigating the home buying process from the first-time buyer’s perspective.

Our mission is to make homeownership inclusive, accessible, and simple.

That’s why we offer personalized advice 24/7 through our online chat box and by phone, plus online pre-approval within minutes when you’re ready to buy.

When Is the Best Time To Enroll in Home Buyer Education Classes?

The best time to enroll in home buyer education is when you decide you’d like to become a homeowner. Whether that’s in six months or six years, Homebuyer.com is here when you’re ready to start shopping.

Completing your course before pre-approval will help you confidently understand the home buying and mortgage processes from start to finish. Some home buyer education programs can unlock additional benefits, like down payment assistance, which will require course completion before approval.

Homebuyer.com is the expert lender for first-time buyers. We’re dedicated to making homeownership accessible for everyone, and our Homebuyer education course prioritizes what first-time buyers need to know.

If you want to own your own home someday, we’re here to help make it happen. Register to learn more about home buying, get pre-approved when you’re ready to shop, and chat with us anytime you have a question.

Happy Homebuying!

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• Victor Mukhin

Victor M. Mukhin was born in 1946 in the town of Orsk, Russia. In 1970 he graduated the Technological Institute in Leningrad. Victor M. Mukhin was directed to work to the scientific-industrial organization "Neorganika" (Elektrostal, Moscow region) where he is working during 47 years, at present as the head of the laboratory of carbon sorbents.     Victor M. Mukhin defended a Ph. D. thesis and a doctoral thesis at the Mendeleev University of Chemical Technology of Russia (in 1979 and 1997 accordingly). Professor of Mendeleev University of Chemical Technology of Russia. Scientific interests: production, investigation and application of active carbons, technological and ecological carbon-adsorptive processes, environmental protection, production of ecologically clean food.   

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