Service Name: HOME OWNERSHIP EDUCATION

Organization Name: SELF-HELP ENTERPRISES

• Description: Self Help Enterprises offers a HUD certified counseling agency through "The Gateway" offering educational and counseling services to equip you with the tools and resources needed to meet your financial and sustainable homeownership goals.
  
  Services include:
  • Offers online and telephonic coaching.
  • Help to qualify for reduced rates or mortgage insurance with some lenders, and for USDA, CalHFA, City and County homebuyer assistance programs.
  Workshop Information
  *All classes/ workshops are available in both English and Spanish
  
  1. Homeownership 101: Program Orientation - $125 for individual / married couple
  The Program Orientation is recommended as the first step to learn about available housing programs. Including the Gateway, Self-Help Housing, Homebuyer Assistance, Housing Rehabilitation, and Financial Management / Credit Repair.
  
  2. Preparing for Homeownership
  The 8-hour in-person class is offered bi-monthly in communities throughout the San Joaquin Valley. Prospective homebuyers must attend the entire session. Upon completion of counseling and the in-person, prospective homebuyers will receive a certificate of completion, which fulfills lending and home purchase assistance program requirements for homebuyer education.
  Courses teach prospective homebuyers how to:
  • Understand the home buying process
  • Determine your financial circumstances
  • Manage your credit and increase FICO scores to make homeownership more affordable
    • Credit report is $30.50 individual/ $61 married couple
  • Maximize your income and boost your savings
  • Choose your best mortgage options
  • Select the right home for your family
  • Understand the loan closing process
  • Find down payment assistance, special loans for first-time homebuyers, and other assistance
  3. Financial Management - $50 individual/ married couple
  While not required, this workshop is highly encouraged for optimal sustainable homeownership. Money management is about choices - choosing how to save and spend your money which is critical in achieving financial security and reaching your goals. This interactive class will give you the tools to set a realistic spending plan, trim expenses, understand how to use credit wisely, and learn how to identify unnecessary spending in order to create financial goals.
  Workshop attendees leave the session understanding:
  • How to track spending, decrease spending, and manage bills; and
  • Why credit is important and what creditors look for when making credit decisions
  
  
• Website: https://www.selfhelpenterprises.org
• Phone(s): (559) 651-1000
• Hours: Mon 8:00am - 5:00pm; Tue 8:00am - 5:00pm; Wed 8:00am - 5:00pm; Thu 8:00am - 5:00pm; Fri 8:00am - 5:00pm;
• Eligibility: Open to all.
• Requirements: Call for more information.
• Areas Served:
  • Madera United States
  • Fresno United States
• Categories:
  • Housing Counseling