Homebuyer Education Class

PRE-PURCHASE HOMEBUYER EDUCATION

A HUD-approved homebuyer education course provides a comprehensive step-by-step curriculum on the homebuying process, personal finance management, and a certificate required for specific down payment assistance programs.

Frameworks CDC Pre-purchase Homebuyer Education Course provides vital information to help individuals and families learn about the homebuying process utilizing a comprehensive pre-purchase homebuyer education curriculumn utilizing a training manual called NeighborWorksAmerica®, Realizing the American Dream.

TOPICS INCLUDE:

Are you ready to buy a home
Managing your money
Understanding credit
Obtaining a mortgage
Shopping for a home
Protecting your assets

According to the National Association of Realtors Federal Financing and Housing Policy Committee’s Housing / Counseling and Incentives Publication dated September 8, 2025, the following was determined:

Fundamental Issue

Housing counseling programs provide essential services to consumers seeking to become homeowners in an increasingly difficult market. NAR research recently found that the number of first-time buyers is the lowest level since we started collecting the data. Housing counseling is vital to keeping this segment in the market by supporting a nationwide network of HUD-approved housing counseling agencies that deliver independent, expert advice to consumers on a range of housing issues, including pre-purchase counseling and foreclosure prevention.

Homeownership education and counseling provide potential buyers with tools and information to help them make housing choices that are affordable and sustainable while better preparing them for the complexities of homeownership, reducing transaction delays and failed closings. Studies suggest that buyers who participate in education and counseling programs are less likely to experience mortgage delinquencies and foreclosures, while homeowners who receive foreclosure mitigation counseling are almost three times more likely to receive a loan modification and are 70 percent less likely to default on a modified loan than similar borrowers who were not counseled.

What the Data Shows:

According to the U.S. Department of Housing and Urban Development’s Office of Policy Development and Research Office

Lower Foreclosure Odds: Studies indicate pre-purchase education meeting HUD or industry standards can reduce the odds of severe default or foreclosure by roughly 15% to 42%, depending on the specific demographic and credit profile.

Obtaining a Certificate of Completion

To receive a Certificate of Completion for the Pre-Purchase Homebuyer Education and Housing Counseling Program, the following steps are required:

Complete the eHome online Pre-purchase homebuyer education class
After you have completed the online homebuyer education class, click on the one-on-one housing counseling link which will take you to the Housing Counseling page to learn how to start the Pre-purchase one-on-one housing counseling session. Upon the completion of both the ehome online Pre-purchase homebuyer education class and the Pre-purchase one-on-one housing counseling session, we will email to you an Action Plan prepared by the Housing Counselor, which you will be required to sign and date and return. Upon receipt of your signed Action Plan, you will receive Frameworks CDC Certificate of Completion.

Clients who live in the following Counties are required to complete Frameworks CDC’s eHome online Pre-purchase homebuyer education class and Pre-purchase one-on-one housing counseling session. Upon completion of both, you will receive Frameworks CDC’s Certificate of Completion: Bastrop, Blanco, Burnet, Caldwell, Fayette, Hays, Lee, Llano, Travis and Williamson.

For participants residing outside of these counties, please contact our office at 512-385-1500 after you have completed the eHome online Pre-purchase homebuyer education class and we will email you the eHome version of the Certificate of Completion.

Important Conditions:

All Housing Counseling sessions will be conducted via telephone until further notice.
Telephone appointments typically last 2.5 to 3 hours, but may take longer, based upon questions and information requested of the Counselor during the appointment.
Due to the volume of clients, housing counseling appointments are scheduled between 10 – 15 business days (or longer during the holidays) after the completion date of your homebuyer education class. Please note that if there is a cancellation, or if there is a reduction in the volume of clients, your appointment can be scheduled sooner than the time frame noted above.
We are unable to accommodate “EMERGENCY” Pre-Purchase Housing Counseling appointment requests. Your counseling appointment will be scheduled at the next available time.
If your Lender requires Frameworks CDC’s Certificate of Completion, please complete the entire program within 2-3 weeks PRIOR to closing.

Please register for the online class only if you agree to the above conditions.

Register for Online Class

The online homebuyer education class gives participants the opportunity to complete the coursework on their own time. Offered in both English and Spanish, the class is powered by eHome America and consists of 6 modules.

PLEASE NOTE: The eHome America payment registration references discount codes as a standard to their platform, however eHome America and Frameworks CDC DOES NOT offer discount codes.

The fee to register is $100.00.