Make Your Move...
A Guide to Homeownership

Online Instructor Training Course = 15 CEs

Introduction

The ICFE, an approved Continuing Education (CE) provider organization, and the American Center for Credit Education (ACCE) (Rapid City, SD), the leading publisher of financial education programs, announce a NEW online Instructor Training course that is now available through the ICFE.

This course is for individuals who want to become approved as completing this ACCE online instructor training to teach the Make Your Move (A Guide to Home Ownership). course. The Make Your Move (A Guide to Home Ownership) online instructor training course has been accepted for 15 Continuing Education Units by the Association for Counseling and Planning Education.

When the online enrollment is complete, there will be an email automatically sent by the ACCE that will include:

1. Instructor's Guide (PDF),
2. PowerPoint (PDF) and
3. Access to the online Make Your Move (A Guide to Home Ownership) course that includes an exam/evaluation.

When the Instructor Candidate completes Make Your Move (A Guide to Home Ownership) course, he/she will be automatically be sent an email with their score from the ACCE.

The ICFE will separately confirm via email the earned and ALSO add the certificant to the ICFE's International Directory of Certificants.

The Make Your Move Online Instructor's Training Overview
(See the complete MYM table of contents below)

Make Your Move (MYM) is comprehensive home-buying guide developed early 2002 by the ACCE. This Instructor's version trains applicants on how to teach and prepare their students or all aspects of the home-buying process. This course provides instructors with the information and skills needed to help their students gain confidence in handling the process of buying a home.

MYM instructors help students learn:

• What lenders consider when deciding whether a borrower is a creditworthy buyer
• The types of loan programs available
• The types of fees involved with the purchase of a home
• Who the professionals in the home-buying process are
• Legal documents buyers will be asked to sign when buying a home
• Knowing what is involved in the home-buying process helps buyers understand what will be expected of them and will help them get the best deal possible

When the online enrollment is complete, there will be an email automatically sent to the applicant(s) which includes:

1. Instructor's Guide (PDF)
2. PowerPoint (PDF)
3. Access to the online Make Your Move (A Guide to Ownership) course that includes an exam/evaluation.

When the Instructor candidate successfully completes the Financial Education Program, they will automatically be sent an ACCE Certificate of Completion for their records. The ICFE will separately confirm via email the 15 CEs earned. The ICFE will add the certificant to the ICFE's International Directory of Certificants.

What is the enrollment fee?

Enrollment in the online course is $289.00
Less Introductory discount (-$40.00)
Total- $249.00

Get Started Now!

Online Instructor Training for Make Your Move $249 (net) - 15 CE's

Make Your Move Table of Contents

Lesson 1 - YOU WANT TO BUY A HOUSE. WHERE DO YOU BEGIN?

• Your Finances: What a Lender Wants to Know About You
• Getting Your Finances in Order
  • Create a Spending Plan, Pay Down Your Debt, Save for Your Goal
  • Getting Help with Your Finances

Lesson 2 - HOW IS YOUR CREDIT HISTORY?

• Your Credit Report
• Evaluating Your Credit Information
• Correcting Errors on Your Credit Report
• Credit Repair Clinics
• Rebuilding Your Credit - Set Goals, Get Your Debts Current, Review Your Credit Report, Understand the Statute of Limitations, Borrow a Small Amount of Money

Lesson 3 - WHO IS INVOLVED IN THE HOME-BUYING PROCESS?

• Learn the Definitions of the Buyer, Seller, Loan Officer, Real Estate Agent, Real Estate Attorney, Home Inspector, Appraiser, Surveyor, Underwriter, Mortgage Insurance Company, Insurance Company, Title or Abstract Company, Closer and Servicer
• Understand Three Basic Truths of Mortgage Lending

Lesson 4 - FIND THE RIGHT LENDER AND LEARN TO AVOID PREDATORY PRACTICES

• Choose a Lender
• Predatory Lending "Red Flags"
• Ways to Protect Yourself against Predatory Lending Practices
• What to do if You Think You are the Victim of Predatory Lending Practices
• Know Your Rights as a Home Buyer

Lesson 5 - GETTING PRE-QUALIFIED OR CREDIT APPROVED

• What is the Difference between Pre-Qualification and Credit Pre-Approval?
• Financial Information You'll Provide when You Meet with a Lender
• A Look at Your Employment History
• Determining Your Income
• What Monthly Debts do You Have?
• What are Debt Ratios?
• The House Payment (PITI)
• Escrow Accounts
• How Much Money Will You Need to Buy a House?
• Assistance Loans for Down Payment and/or Closing Costs

Lesson 6 - WHAT TYPES OF LOANS ARE AVAILABLE?

• The "Trailer Programs"
• The "Luggage Rack" Programs
• Other Financing Options
• Specialized Loan Programs
• What Parts Make Up A Loan?
• Should You use a "Fixed" Rate Loan or an "Adjustable" Rate Mortgage Loan?

Lesson 7 - SHOPPING FOR A HOME

• How Do You Find a Home to Buy?
• Using a Real Estate Agent
• What Types of Homes are Available?
• Shopping for an Existing Home
• Deciding to Build a Home - New Construction
• Making an Offer to Purchase a Home - Writing the Purchase Agreement, Presenting the Offer, Acceptance of the Offer

Lesson 8 - FINALIZING YOUR LOAN

• The Home Inspection
• The Appraisal
• Flood Certification
• Title Insurance
• Survey or Plot Plan
• Full Loan Approval

Lesson 9 -THE LOAN IS APPROVED - LET'S CLOSE

• The Closing
• What Should You Expect at Closing?
• Closing Costs
• Pre-Paid Expenses or Escrow Set-up Fees
• What Documents Might You Sign at the Closing?

Lesson 10 - YOU ARE A HOMEOWNER! NOW WHAT?

• Making Your Payments
• What if You Can't Make Your Payments?
• Refinancing Your Loan

Lesson 11 - OWNING A HOME BRINGS JOYS, RESPONSIBILITIES

• General Maintenance
• Spring and Summer Maintenance
• Fall and Winter Maintenance
• Remodeling or Repairing Your Home
• Home Maintenance Now Can Help You Sell Your House Later
• The Joy of Being a Homeowner