Class 1: Why Homeownership Is Possible for You Overcoming fear and limiting beliefs The mindset shift from renter to homeowner Class 2: Credit Basics for First-Time Buyers Understanding credit scores and reports Fixing common credit mistakes Class 3: Budgeting Like a Pro Tracking income vs. expenses Building a home savings plan

Class 4: Understanding Mortgage Types Conventional, FHA, VA explained Pros/cons for first-time buyers Class 5: How Much Home Can You Really Afford? Calculating monthly payments and debt-to-income ratio Avoiding the “house poor” trap Class 6: Down Payments, Grants, and Assistance Programs Breaking myths about needing 20% down Local and national programs that help first-time buyers Class 7: Student Loans & Homeownership How loans affect your ability to buy Strategies to improve approval chances