Course Description

Tired of Renting? Is Home Ownership 'Calling' You?

Are Your Finances Holding You Back from Claiming Home?

Then This Challenge is for YOU!!!

I have packed this course full of financial strategies to help you Fix Your Credit, Eliminate Your Debts, Budget for HomeOwnership, Pump Up Your Savings, Search for FREE Money (Home Ownership Grants), AND MORE!!!!

You'll Learn How to:  

  • Calculate "How Much Home Can I Afford", you sit down with a loan officer!
  • Understand the Different Type of Lenders & Mortgage Programs, and how to select the one that's right for you,
  • Questions to ask when interviewing Realtors & Loan Officers; so that you can select the best one for you,
  • Federal, State & Non-Profit Grant Programs for 1st Time Home Buyers & 'Move Up' Buyers,
  • Approval Guidelines for FHA, VA, USDA, Conventional & Special Financing Programs so that you can pinpoint the type of mortgage you desire,
  • Stages of the loan process and the documents you'll need to soar right through it,
  • How to Identify your NEEDS & Wants in your new home,
  • Calculate your TRUE Debt-to-Income Ratio,
  • We'll spend a significant amount of time discussing my favorite topic --> Credit Improvement!We'll review tactics for quickly raising your credit scores; how Public Records, Late Payments, & other negative items affect the mortgage approval process, How to write appeal letters for reconsideration if these items are currently reporting on your credit reports; Tips for Settling Debts so that you can keep more money IN YOUR POCKET, and MORE!What Out of Pocket Expenses You Should Save For,What Are 'Reserves' and How much will you need,
  • Review sample HUD Closing Statements to determine the closing costs & fees that both Buyers and Sellers are Responsible for,Who pays the professionals that are assisting you during the home buying process, and how to protect yourself
  • And MORE!

If you are seeking to purchase a home and your credit, money, or savings is holding you back; this is course you cannot afford to miss!!!!

See you in the class!
~ Netiva

Financial Educator

Netiva Heard

Netiva "The Frugal CrediTnista" is a Financial Educator, Certified Credit Counselor, Personal Finance Coach, IL Realtor & Owner of MNH Financial Services, LLC!She has a Masters in Business Management & Finance and several certifications in the Credit, Finance and Real Estate Industry.For over 10 years, she has been assisting consumers in Destroying their Debts, Growing their Money and Soaring their Credit Scores.Empowering, educating and equipping consumers with the tools and resources they need to Transform Their Finances is both her purpose and passion. She is committed to delivering up-to-date, quality and factual financial information that will positively impact the finances of households across the country.

Course curriculum

  • 1


    • Hey Hey Future Home Owner!!!

    • Course Objectives

    • Pre-Work

  • 2

    Module 1: In Loooove With Homeownership!

    • Why we LOVE Homeownership :)

    • When It's Time To Pause...

    • Costs

    • Module 1 Assignment: Am I Ready to Buy Worksheet

  • 3

    Module 2: Getting Started - How Much Home Can I REALLY Afford?

    • Module 2 Workbook

    • What Lenders Analyze to Approve You

    • Qualifying Income

    • Pre-Planning: Qualifying Income

    • Summary: Qualifying Income

    • Here's an example of the information your lender will see when your data is ran through an Automated Desktop Underwriting System. The system is updated from beginning to close of contract.

    • Pre-Planning Income (Reference) --> Rental Income Log (if applicable)

    • Debts

    • Pre-Planning: Debt

    • Summary: Fixed Debts

    • DTI Assignment: Putting It All Together

    • DTI Assignment: How Much Home Can I Afford?

    • My Home Affordability Calculator

    • DTI Assignment: Research Your Home Community

    • DTI Q & A w/Shavahnna Ann!

    • Student Loans & DTI Update

  • 4

    Module 3: Which Loan Type(s) Works Best for Me?

    • FHA Minimum Approval Guidelines

    • FHA Rehab Loan - 203K Minimum Approval Guidelines

    • Conventional Minimum Approval Guidelines

    • VA Minimum Approval Guidelines

    • USDA Minimum Approval Guidelines

    • Fixed or Adjustable?

    • Loan Type Assignment

    • Q & A w/Shavahnna Ann

  • 5

    Module 4: Money Mastery for Home Ownership

    • Module 4: Money Mastery Workbook

    • Pre-Planning: Budgeting "My Money Goals"

    • Budgeting Assignment 1: SMART Worksheet

    • Pre-Planning: Budgeting "Schedule It!"

    • Budgeting Assignment 2: Schedule Money Success

    • Pre-Planning: Budgeting "Your Money Command Center"

    • Budget Assignment 3: Create Your Money Command Center

    • Pre-Planning: Budgeting "List & Sort"

    • Budget Assignment 4: List & Sort

    • Pre-Planning: Budgeting "SWOT"

    • Pre-Planning: Budgeting "Action!"

    • Worksheets for SWOT Analysis & Action Plan Assignments

    • Pre-Planning: Budgeting "Target Practice"

    • Budget Assignment 6: Budget Percentages Worksheets

    • Pre-Planning: Budgeting "The Future"

    • Increasing Your Income - A Penny Saved...

    • Increasing Your Income - Work At Home Companies (WAH)

    • Budget Assignment 7: Make More Money

    • Budget Assignment 8: When You're Ready, Choose your Software/App & Automate!

    • Live Budgeting Call w/Del Shawn Renee

  • 6

    Be A Debt Rebel!

    • Module 4-B: Be A Debt Rebel Workbook

    • Pre-Planning: Debt Elimination

    • "Should I use my cash to pay down my debt, or save the cash for my down payment?"

    • Eliminate Debt Assignment - List & Order Your Debts

    • Dave Ramsey Money Plan (Pdf)

    • Live Q & A w/Del Shawn & Netiva

  • 7

    Module 5: Soar Your Credit Scores!

    • Module 5: Soar Your Credit Scores Workbook

    • Credit History And Lending

    • Pre-Planning: Credit "The Basics"

    • "The Basics" Login Info

    • Pre-Planning: Credit "Getting Started"

    • Credit Assignment 1 - Identify. Sort. Rank. Plan.

    • Pre-Planning: Credit "Your 1st Dispute"

    • Personal Information - Your 1st Dispute

    • Credit Assignment 2 - Your Personal Data

    • Pre-Planning: Credit "Target the Negative"

    • Credit Assignment 3: Dissect Your Reports

    • Pre-Planning: Credit "Draft Your Letters"

    • Credit Assignment 4: Start Preparing Your Dispute Letters!

    • Tackling Public Records

    • My 6 Strategies for Tackling Public Records

    • Tackling Collections

    • My 8 Steps to Tackling Collections

    • Tackling Chargeoffs

    • Tackling Late Payments

    • My Tips for Tackling Late Payments

    • Tackling Repossessions

    • Tackling Inquiries

    • The Rebuild

    • The Rebuild: Breaking Down the FICO Pie

    • 7 Tools to Increase Your Scores in 30 Days!

    • Credit Resources

    • Mortgage FICO Score

  • 8

    Go Get Your Money!

    • Sources for Down Payment Assistance

    • Rich Uncle

    • Tax Prorations & Down Payment

    • Down Payment Programs by State

    • Using Employer Retirement Account Funds

    • Down Payment Programs courtesy of Down Payment Resource TV

    • LIve Q & A: NACA Down Payment Assistance Program

    • Down Payment: Final Words & Super Dope Resource

  • 9

    Liquid Cash!

    • Assets/Reserves

    • Types of Assets Allowed

    • TIPS!

  • 10

    Loan Process

    • “Mortgage Borrowers’ Rights”

    • Where to Shop for Your Home Loan

    • Four Stages of the Approval Process

    • What to Bring to Your Loan Officer

    • Referral Questions

    • Mortgage Comparison Worksheet

    • Sample Letters of Explanation

    • Example of Loan Estimate

    • Example of Closing Disclosure (CD)

    • Resource: HUD's Looking for the Best Mortgage

    • Q & A w/VP of Mortgage Compliance Rae Palmer

  • 11

    The Home Buying Process

    • Intro

    • Choosing A Realtor - What to Look For

    • Searching for A Home

    • 48-Point DIY Home Inspection Checklist by Mindy Jensen

    • You've Found Your Home - Let's Make An Offer!

    • Your Offer's Accepted, Now What?

    • Closings by state

    • Preparing for Closing

    • Terms to Familiarize Yourself With

    • Things You Need To Do After Closing On Your House

    • Home Maintenance Checklist

  • 12

    Budgeting AFTER the Closing w/Natasha Campbell

    • Natasha Campbell - Preparing Your Budget After You've Claimed Your Keys!

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