Frequently Asked Questions

The HUD Certificate itself does not have an expiration date and is valid in any United States territory. However, based on the program that you are applying for, the certificate may “expire” based on the program's regulations.

Local BMR and DPA programs that are available Can I afford the house I have been looking at? How does my credit score impact my mortgage payment? How do I know whether I have a good credit score? What can I do if there is a negative entry on my credit report? Should I use a mortgage broker or go to a bank? How do I choose a Mortgage Consultant? What kind of loan is best for me? What is a pre-approval and do I need it? Should I use a realtor or a real estate agent? How do I choose a Real Estate agent? What do all of the disclosure forms mean? When should I waive the contingencies? How do I deal with all the loan application and escrow forms? What kinds of insurance will I need? How long does this whole process take? What do I do if I feel I have been subject to housing discrimination?

DPA, BMR, & BMP programs and those program requirements depend on the city or county that they are in. Start by looking at which city or county you would like to live in, from there go to that city's or country's website and see if they have any programs listed.

We provide one class manual per person, lunch, an assortmanet of lunch snacks, and bottled water. We do not provide breakfast or coffee. We do provide vertiarian options for lunch, but we DO NOT provide vegan options. Please bring your own meals if we are unable to meet your needs.

Please bring your completed Assessment, a pen, and any note-taking medium that you would like to have with you (notebook, laptop, etc).

No, please do not bring children to the class.

There is no waitlist for any of our HUD 8-Hour classes. No, walk-ins are not welcome. Each particpant must pay for their own seat.

Class tickets are Non-Refundable. You are able to reschedule ONCE to a different class date. Please email gvalero@housing.org if you need to reschedule.