Homebuyer Prep & Mortgage Readiness

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About Course

This course equips future homeowners with the essential knowledge and tools needed to navigate the homebuying process and achieve mortgage readiness. From understanding credit and budgeting to securing a loan and selecting the right home, students will build a strong financial and spiritual foundation for homeownership. Guided by practical wisdom and biblical principles, the course emphasizes stewardship, preparation, and informed decision-making.

“By wisdom a house is built, and through understanding it is established.” – Proverbs 24:3 (NIV)

What Will You Learn?

  • How to assess your current financial health and readiness for homeownership
  • How to create a realistic, values-based budget and savings plan
  • The role of credit scores and how to improve them for mortgage approval
  • How to read, review, and correct your credit report
  • The different types of mortgage loans and how to choose the right one
  • Step-by-step guidance through the homebuying process—from search to closing
  • How to work with realtors, lenders, and inspectors with confidence
  • How to avoid common financial traps and overspending during the process
  • How to align your housing decisions with your faith and family values
  • What biblical stewardship looks like in the context of homeownership
  • How to dedicate your home to God’s purpose for rest, family, and service
  • How to build a long-term plan for responsible, God-honoring homeownership

Course Content

Topic 1: Foundations of Financial Readiness
Learn how to assess your current financial health, build a realistic budget, and manage debt effectively. This session emphasizes financial stewardship and planning with intention to ensure long-term success in homeownership. “Suppose one of you wants to build a tower. Won’t you first sit down and estimate the cost…” – Luke 14:28 (NIV)

  • Lesson: Foundations of Financial Readiness
  • Lesson Reflection Questions
  • Case Study: “The Martins’ Path to Financial Readiness”
  • Case Study Reflection Questions
  • Self Assessment

Topic 2: Understanding Credit & Mortgage Basics
Dive into credit scores, reports, and how they impact your ability to qualify for a mortgage. Understand the different types of loans available, interest rates, and what lenders look for. “The rich rule over the poor, and the borrower is slave to the lender.” – Proverbs 22:7 (NIV)

Topic 3: The Homebuying Process Step-by-Step
Walk through the entire journey of buying a home—from choosing a realtor to making an offer, home inspections, and closing. This topic helps demystify the process and prepares students to make confident, informed choices. “Commit to the Lord whatever you do, and he will establish your plans.” – Proverbs 16:3 (NIV)

Topic 4: Faith, Family, and Financial Stewardship
Explore the spiritual and emotional aspects of homeownership. Reflect on how faith and values influence buying decisions and how to align your goals with God’s principles for managing resources. “Whoever can be trusted with very little can also be trusted with much…” – Luke 16:10 (NIV)

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