Welcome to the HomeOwnership Center’s Homebuyer  Education Class HBE Presentation Uses CHW’s standard color scheme to pres...
<ul><li>By the end of today’s class you should know more about: </li></ul><ul><ul><li>Homebuying process </li></ul></ul><u...
<ul><li>What are people saying about Community HousingWorks? </li></ul><ul><li>Watch this short presentation to find out…....
Budget Credit Loans Real  Estate Insurance Next  Steps Questions you should ask yourself: 1. What can we afford to pay? 2....
BUDGET Budget Credit Loans Real  Estate Insurance Next  Steps www.chworks.com Each content section has an introductory sli...
Budget Credit Loans Real  Estate Insurance Next  Steps www.chworks.com <ul><li>The budget presentation will answer these q...
<ul><li>Here’s an example: </li></ul>Budget Credit Loans Real  Estate Insurance Next  Steps Worked examples are used to te...
<ul><li>What if you don’t have enough money in your budget to cover a mortgage? </li></ul><ul><li>Think about how you can:...
<ul><li>How can they save money? </li></ul><ul><li>2 minutes </li></ul>Budget Credit Loans Real  Estate Insurance Next  St...
<ul><li>Credit Presentation </li></ul><ul><li>In 10 Minutes </li></ul>Budget Credit Loans Real  Estate Insurance Next  Ste...
Loans Real  Estate Insurance Next  Steps Budget Credit <ul><li>Who has a higher FICO Score? </li></ul><ul><li>1.    Jose  ...
Loans Real  Estate Insurance Next  Steps Budget Credit <ul><li>Who has a higher credit rating? </li></ul><ul><ul><ul><ul><...
<ul><li>You have a realtor.  Now what? </li></ul><ul><ul><ul><li>Pick a neighborhood </li></ul></ul></ul><ul><ul><ul><ul><...
Budget Credit Loans Real  Estate Insurance Next  Steps Screen shots are used to orient the learners to the referenced reso...
Budget Credit Loans Real  Estate Insurance Next  Steps www.chworks.com In which of these situations your homeowners insura...
Budget Credit Loans Real  Estate Insurance Next  Steps www.chworks.com In which of these situations your homeowners insura...
Budget Credit Loans Real  Estate Insurance Next  Steps www.chworks.com <ul><li>Questions you should ask your insurance age...
<ul><li>For Example: </li></ul><ul><li>De Ocampo Family: </li></ul><ul><ul><li>6 members </li></ul></ul><ul><ul><li>3 memb...
Budget Credit Loans Real  Estate Insurance Next  Steps $109,300 $104,750 $91,100 $72,850 $54,650 8 $102,650 $98,400 $85,55...
Current Programs for De Ocampo Family Budget Credit Loans Real  Estate Insurance Next  Steps
Budget Credit Loans Real  Estate Insurance Next  Steps Today Next Learners are oriented to where today’s class fits in to ...
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HBE Presentation

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  • HBE Presentation

    1. 1. Welcome to the HomeOwnership Center’s Homebuyer Education Class HBE Presentation Uses CHW’s standard color scheme to preserve branding
    2. 2. <ul><li>By the end of today’s class you should know more about: </li></ul><ul><ul><li>Homebuying process </li></ul></ul><ul><ul><li>Homebuying professionals </li></ul></ul><ul><ul><li>Resources available for assistance </li></ul></ul><ul><ul><li>Questions to ask </li></ul></ul><ul><ul><li>The next step </li></ul></ul>Advance organizer to prepare class for what they will learn
    3. 3. <ul><li>What are people saying about Community HousingWorks? </li></ul><ul><li>Watch this short presentation to find out…. </li></ul>PLAY Videos are interspersed throughout the day to provide a novel presentation mode to learner’s and break-up format for learning
    4. 4. Budget Credit Loans Real Estate Insurance Next Steps Questions you should ask yourself: 1. What can we afford to pay? 2. How does our credit history look? 3. How much can we borrow and what’s the best loan program for us? 4. How will we find the right home? 5. What do we do if something happens to our house? 6. What comes next? Learner is introduced to questions that successful homebuyers need to answer
    5. 5. BUDGET Budget Credit Loans Real Estate Insurance Next Steps www.chworks.com Each content section has an introductory slide with relevant related graphic image and label The organizer on the left helps learners know where in the day’s schedule each section fits.
    6. 6. Budget Credit Loans Real Estate Insurance Next Steps www.chworks.com <ul><li>The budget presentation will answer these questions: </li></ul><ul><ul><ul><li>Why do I need a budget? </li></ul></ul></ul><ul><ul><ul><li>How do you calculate monthly income, bills and expenses? </li></ul></ul></ul><ul><ul><ul><li>How much can I afford to pay for a mortgage? </li></ul></ul></ul>Each content section identifies the information covered in the form of questions.
    7. 7. <ul><li>Here’s an example: </li></ul>Budget Credit Loans Real Estate Insurance Next Steps Worked examples are used to teach concepts. This slide is a 5 click slide to show how income is calculated.   4216.23 TOTAL Household Monthly Income                             1238.87   3716.62 1096.79 1345.68   1274.15 Full-time job   Marc 596.74   1790.22 581.81 676.23    532.18 Part-time job   Maria 2380.62   7141.85 2421.96 2251.17 2468.72  Full-time Job   Jamie Total / 3 = 1+2+3 = Month 3 Month 2 Month 1 Monthly Average Add All Together Total All Pay Stubs Each Month Source of Income Household Member
    8. 8. <ul><li>What if you don’t have enough money in your budget to cover a mortgage? </li></ul><ul><li>Think about how you can: </li></ul><ul><li>Monthly bills </li></ul><ul><li>Monthly income </li></ul><ul><li>Monthly expenses </li></ul>Budget Credit Loans Real Estate Insurance Next Steps Slides are used as prompts to promote discussion in class.
    9. 9. <ul><li>How can they save money? </li></ul><ul><li>2 minutes </li></ul>Budget Credit Loans Real Estate Insurance Next Steps Think about the family in your packet. Slides are used to set-up class activities.
    10. 10. <ul><li>Credit Presentation </li></ul><ul><li>In 10 Minutes </li></ul>Budget Credit Loans Real Estate Insurance Next Steps The slide show also provides slides to organize breaks and lunch – to aid facilitators and provide consistency from one class to the next.
    11. 11. Loans Real Estate Insurance Next Steps Budget Credit <ul><li>Who has a higher FICO Score? </li></ul><ul><li>1. Jose </li></ul><ul><li>Jerilyn </li></ul><ul><li>Minjuan </li></ul>Opportunities for learners to process and think about the information in the form of case studies and scenarios are included in the presentation.
    12. 12. Loans Real Estate Insurance Next Steps Budget Credit <ul><li>Who has a higher credit rating? </li></ul><ul><ul><ul><ul><ul><li>Jose makes $52,000/year and pays cash for everything he’s purchased </li></ul></ul></ul></ul></ul>
    13. 13. <ul><li>You have a realtor. Now what? </li></ul><ul><ul><ul><li>Pick a neighborhood </li></ul></ul></ul><ul><ul><ul><ul><li>Are schools important to you? </li></ul></ul></ul></ul><ul><ul><ul><ul><li>Is the commute important? </li></ul></ul></ul></ul><ul><ul><ul><ul><li>Do you want to live close to stores? Libraries? </li></ul></ul></ul></ul><ul><ul><ul><li>Your realtor can make recommendations </li></ul></ul></ul><ul><ul><ul><li>Check out Google Earth and SDCOE.net </li></ul></ul></ul>www.chworks.com Budget Credit Loans Real Estate Insurance Next Steps Resources for additional information are referenced in the slides
    14. 14. Budget Credit Loans Real Estate Insurance Next Steps Screen shots are used to orient the learners to the referenced resources
    15. 15. Budget Credit Loans Real Estate Insurance Next Steps www.chworks.com In which of these situations your homeowners insurance will cover your loss? A car careens around a curve and drives into your living room Questions are used to encourage class participation, provide practice opportunities and promote additional encoding opportunities by giving learners additional time to process the concepts.
    16. 16. Budget Credit Loans Real Estate Insurance Next Steps www.chworks.com In which of these situations your homeowners insurance will cover your loss? <ul><ul><li>A skunk gets into your house and now everything you own stinks </li></ul></ul>
    17. 17. Budget Credit Loans Real Estate Insurance Next Steps www.chworks.com <ul><li>Questions you should ask your insurance agent include: </li></ul><ul><li>How much will homeowners insurance cost me on a monthly basis? </li></ul><ul><li>Are there home owner deductibles I must pay before the homeowners insurance begins to help cover my costs? </li></ul><ul><li>What does the homeowners insurance policy cover, and what doesn't it? </li></ul>Learner’s are provided with questions they need to ask the professionals they will work with in the home buying process.
    18. 18. <ul><li>For Example: </li></ul><ul><li>De Ocampo Family: </li></ul><ul><ul><li>6 members </li></ul></ul><ul><ul><li>3 members on loan </li></ul></ul><ul><ul><ul><li>Total Income = $64,000 </li></ul></ul></ul>Budget Credit Loans Real Estate Insurance Next Steps Worked examples model how to use the charts given to learners.
    19. 19. Budget Credit Loans Real Estate Insurance Next Steps $109,300 $104,750 $91,100 $72,850 $54,650 8 $102,650 $98,400 $85,550 $68,450 $51,350 7 $96,050 $92,050 $80,050 $64,050 $48,000 6 $89,400 $85,700 $74,500 $59,600 $44,700 5 $82,800 $79,350 $69,000 $55,200 $41,400 4 $74,500 $71,400 $62,100 $49,700 $37,250 3 $66,250 $63,500 $55,200 $44,150 $33,100 2 $57,950 $55,550 $48,300 $38,650 $29,000 1 120% of AMI Moderate Income 115% of AMI Moderate Income 100% of AMI Moderate Income 80% of AMI Moderate Income 60% of AMI Low Income House Hold Size De Ocampo Family
    20. 20. Current Programs for De Ocampo Family Budget Credit Loans Real Estate Insurance Next Steps
    21. 21. Budget Credit Loans Real Estate Insurance Next Steps Today Next Learners are oriented to where today’s class fits in to the home buying process and identifies the next step.

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