At COTC, Inc. we want to help you buy your home wisely!
We want to help you make more informed decisions for sure!
Our team will introduce you to homeownership programs funded by HUD, USDA, FHA, state programs, tax credit programs and so much more.
Knowledge of these programs is half the battle. Gaining access to them is the other half.
Before you buy that dream home, you have to make sure you are prepared.
Come be a part of our Home Buyer Education Program by calling us today!
229 233-8075 Office
Homebuyer Education Classes and Money Management Workshops. Sign-up today! It's not too late.
Home Buyer Education Workshop Agenda
Welcome & Introduction
Deciding to rent or own - advantages and disadvantages
Hidden costs of home ownership
Fair Housing Act and Georgia Fair Lending Act
Budgeting & Money Management
Setting financial goals
Developing spending plans and managing debt
Credit & Credit Reports
Credit awareness and credit scoring
Obtaining and interpreting your report
Types of loans
Typical lending institutions
How much can you really afford?
Costs of purchasing a home (PITI, down payment, closing costs, fees, PMI, etc.)
Special Loan Programs
USDA Rural Development
GA Dream Home Loans
Other Programs - FHA, VA, etc.
Habitat for Humanity
Down payment assistance programs
Shopping for a House
Working with Real Estate Agents & Brokers
Fair market values and property appraisals
Home inspections, termite bonds and lead paint
Closing on the Loan
Typical closing documents including the Settlement Statement and Truth in Lending Statement
Title Searches and public search
Mortgages and deeds
Wills and future planning - avoiding cloudy titles
Q&A, Hand Out Evaluations, Certificates