Homebuyers

Keys to Housebuyers Club

Financial Literacy Keys in Housebuyers Club

Home Maintenance Keys in Housebuyers Club

Housebuyers Club Grant Possibilities

 

Is homeownership right for you?
Do you know the steps successful homeownership?

How will your credit affect your ability to purchase a home? 
Do you have the resources to improve your credit score?
Are you prepared for unexpected expenses? 
What is the best loan for you? 
Are you eligible for homebuyer assistance?

Find Out NOW!


HOMEBUYERS CLUB CLASSES

The Scott County CDA's Homebuyers Club gives buyers the tools for successful homeownership.  Some topics covered during the Homebuyers Club include:

  • Budgeting
  • Understanding, reviewing, and improving credit
  • Shopping for a realtor, loan officer, and home inspector
  • Comparing and choosing the best mortgage loan
  • Do-it-yourself home maintenance
  • And much, much more!

Homebuyers Club classes are offered quarterly.  View the 2014 Homebuyers Club dates.  Enrollment is limited.  Download the Homebuyers Club registration materials.

The Scott  County CDA's Homebuyers Club uses the Home Stretch® curriculum and meets most first-time homebuyer education requirements.  Please contact your lender prior to registering for the Homebuyers Club to ensure that it is approved for your plan.

Participants may be eligible for a grant from the Scott County CDA.  The grant never needs to be repaid and can be used toward down payment or closing costs.  Learn more about the Homebuyers Club 2014 Grant Criteria. 

Apply for a Homebuyers Club Grant.

Materials can also be picked up at our office or mailed to you. Fore more information about the Homebuyers Club or the grant, contact Melissa J. at 952.402.9022 x202.


HOMEBUYER COUNSELING

Homebuyer counseling provides buyers one-on-one support during the homebuying process.  A Homeownership Specialist can help you to:

  • Review your credit report and address any barriers to homeownership
  • Establish how much you can afford
  • Identify loan and down payment assistance programs
  • Create an Action Plan to accomplish your homeownership goals
  • And much, much more!

Homebuyer Counseling is available in person or by phone.  Download Homebuyer Counseling Registration materials or contact Mary or Jessica at 952.402.9022.


FRAMEWORK® - ONLINE HOMEBUYER EDUCATION

FRAMEWORK® is a high quality online course; a fun way to become an informed, confident, and successful homeowner.  It provides the facts you need to become well-informed about every step in the process.  To get started, visit FRAMEWORK® or to learn more,  view this short video. 

*Many lenders have approved FRAMEWORK® to meet their requirements for homebuyer education.  Check with your lender to make sure online homebuyer education is accepted.*  


MORTGAGE PROGRAMS

The Scott County CDA participates in the START UP & STEP UP through the Minnesota Communities Participation Program and the Mortgage Credit Certificate Program.  More information is available from Minnesota Housing


Other Resources for First-time Homebuyers:

Minnesota Home Ownership Center

Steps to Successful Homeownership

Minnesota Housing

Minnesota Mortgage Credit Certificate

MN Housing Fix Up Loan Program

U.S. Department of Housing and Urban Development

Lead Poisoning Prevention

10 Secrets Every First-time Homebuyer Should Know (PDF)
Scott County CDA has adopted National Industry Standards.  Find out more here.