Florida

[vc_row full_width=”stretch_row” full_height=”yes” columns_placement=”top” content_placement=”top” bg_type=”image” bg_image_new=”24917″ bg_image_repeat=”no-repeat” enable_overlay=”off” seperator_enable=”seperator_enable_value” seperator_type=”triangle_svg_seperator” seperator_position=”bottom_seperator” seperator_svg_height=”20″ seperator_shape_background=”#2b4988″ css=”.vc_custom_1477335705866{margin-bottom: 0px !important;}”][vc_column width=”1/2″ offset=”vc_col-xs-12″][vc_row_inner][vc_column_inner offset=”vc_hidden-md vc_hidden-sm vc_hidden-xs”][boc_spacing][/vc_column_inner][/vc_row_inner][vc_row_inner css=”.vc_custom_1477335751683{margin-right: 5px !important;margin-left: 5px !important;border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 20px !important;padding-right: 20px !important;padding-bottom: 20px !important;padding-left: 20px !important;background-color: rgba(255,255,255,0.9) !important;*background-color: rgb(255,255,255) !important;border-left-color: #f2f2f2 !important;border-left-style: solid !important;border-right-color: #f2f2f2 !important;border-right-style: solid !important;border-top-color: #f2f2f2 !important;border-top-style: solid !important;border-bottom-color: #f2f2f2 !important;border-bottom-style: solid !important;border-radius: 3px !important;}”][vc_column_inner css=”.vc_custom_1477326184469{margin-top: 0px !important;margin-bottom: 10px !important;}”][boc_heading html_element=”h1″ alignment=”center” color=”#2b4988″ margin_bottom=”10px” css_classes=”no_text_transform letter_spacing_negative”]HomeTrek – $59[/boc_heading][boc_heading html_element=”h3″ alignment=”center” color=”#333333″ subheading=”yes” font_size=”16px”]HUD-Approved Online Homebuyer Education Course[/boc_heading][vc_column_text]

[boc_button btn_content=”Start HomeTrek” href=”/registration-florida/” css_classes=”side_bounce_icon” icon_pos=”icon_pos_after” icon_effect=”btn_icon_anim_out” icon=”icon icon-arrow-right6″]

[/vc_column_text][boc_divider divider_height=”2px” divider_color=”#fdb514″ margin_top=”15px” margin_bottom=”25px”][boc_heading html_element=”h3″ color=”#333333″ subheading=”yes” font_size=”20px”]What’s Included?[/boc_heading][boc_accordion_section][boc_accordion title=”HomeTrek Online Course”]

• Online Homebuyer education will help you better prepare for sustainable homeownership. Here are the benefits of HomeTrek.
• You will determine how to qualify for a mortgage at affordable terms
• You will learn the financial and practical steps involved in the home buying process
• InCharge is approved by the US Department of Housing and Urban Development (HUD) to provide online education
• Take the course at your own pace, anytime and anywhere, via your home computer, tablet or smart phone
• Enjoy videos about buying a home and building credit
• Easy-to-navigate course structure with multiple choice assessments

[/boc_accordion][boc_accordion title=”Pre-Purchase Counseling”]

• Homebuyers in Florida get expert advice from professional certified housing counselors. In today’s tough economy, it’s more important than ever to understand the “ins and outs” of home buying. InCharge provides confidential, one-on-one counseling sessions for homebuyers in Florida.
• An InCharge Certified Housing Counselor will work with you and advise you on what you can afford, explain mortgage terms, the importance of home inspections and how to prepare and what to expect at closing. They’ll work with you to help analyze your current financial situation, review your credit report and assist in overcoming barriers to help you become mortgage-ready. A budget and action plan will be developed to help get you on track to achieving the ultimate goal of homeownership.
• Call toll-free 877-712-6040 for your home purchase counseling.

[/boc_accordion][boc_accordion title=”Homebuyer Education/Down Payment Assistance (in-person 8 hour workshop)”]

• InCharge offers monthly Homebuyer Education Workshops for people interested in learning more about the path to homeownership.
• This HUD-approved course includes instruction in the financial and practical aspects of buying and maintaining a home, along with learning the advantages and disadvantages to homeownership. The consumer will also learn about credit report review, creating a budget, debt-to-income ratios, and what loan programs or down payment assistance programs are available in the community. An overview of Predatory Lending, Foreclosure Scams, and Closing documents required for closing a loan are also taught in this homebuyer education class. Certificates are provided upon completion of the class and can be used towards the NSP (Neighborhood Stabilization Program) and First Time Homebuyer’s Down Payment assistance programs.
• InCharge workshops are held on Saturdays from 8:30 a.m. to 5:00 p.m. in the Central Florida area at 5750 Major Blvd, Suite 300, Orlando, Florida 32819.
• Must present HomeTrek certificate when attending class
• InCharge Debt Solutions is recognized as adopting the National Industry Standards for Homeownership Education and Counseling.
• Our certificates can also be used towards the NSP (Neighborhood Stabilization Program) and First Time Homebuyer’s Down Payment assistance programs.

[/boc_accordion][/boc_accordion_section][/vc_column_inner][/vc_row_inner][boc_spacing height=”50px”][/vc_column][vc_column width=”1/2″][vc_row_inner][vc_column_inner offset=”vc_hidden-md vc_hidden-sm vc_hidden-xs”][boc_spacing][/vc_column_inner][/vc_row_inner][vc_row_inner css=”.vc_custom_1477335759466{margin-right: 5px !important;margin-left: 5px !important;border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 20px !important;padding-right: 20px !important;padding-bottom: 20px !important;padding-left: 20px !important;background-color: rgba(255,255,255,0.9) !important;*background-color: rgb(255,255,255) !important;border-left-color: #f2f2f2 !important;border-left-style: solid !important;border-right-color: #f2f2f2 !important;border-right-style: solid !important;border-top-color: #f2f2f2 !important;border-top-style: solid !important;border-bottom-color: #f2f2f2 !important;border-bottom-style: solid !important;border-radius: 3px !important;}”][vc_column_inner css=”.vc_custom_1477326184469{margin-top: 0px !important;margin-bottom: 10px !important;}”][boc_heading html_element=”h1″ alignment=”center” color=”#2b4988″ margin_bottom=”10px” css_classes=”no_text_transform letter_spacing_negative”]eHome America – $99[/boc_heading][boc_heading html_element=”h3″ alignment=”center” color=”#333333″ subheading=”yes” font_size=”16px”]Online Homebuyer Education and Down Payment Certification [/boc_heading][vc_column_text]

[boc_button btn_content=”Start eHome America” href=”http://www.ehomeamerica.org/incharge” css_classes=”side_bounce_icon” icon_pos=”icon_pos_after” icon_effect=”btn_icon_anim_out” icon=”icon icon-arrow-right6″]

[/vc_column_text][boc_divider divider_height=”2px” divider_color=”#fdb514″ margin_top=”0px”][boc_heading html_element=”h3″ color=”#333333″ subheading=”yes” font_size=”20px”]What’s Included?[/boc_heading][boc_accordion_section][boc_accordion title=”Who Should Take This Course?”]

• First-time homebuyers
• Borrowers who need homebuyer education certificates to qualify for a loan
• Individuals looking to become more educated about homeownership
• Homebuyers working with local housing counselors
• Borrowers seeking down payment assistance (if qualified)

Example of qualifications:

• Here is a link to the requirements for down payment assistance in Orange County Florida: http://www.orangecountyfl.net/NeighborsHousing/HomebuyerDownPaymentAssistance.aspx#.WA5YVuArIdU

[/boc_accordion][boc_accordion title=”Key Features of eHome America”]

• Complete at your own pace
• Animated videos covering all materials
• Easy-to-read content with highlighted keywords
• Quizzes throughout course to ensure understanding
• Instant access to local homeownership counselor
• Printable certificate at end of course

[/boc_accordion][boc_accordion title=”Benefits of This Course”]

• This HUD-approved course includes instruction in the financial and practical aspects of buying and maintaining a home, along with learning the advantages and disadvantages to homeownership.
• Learn about credit report review, creating a budget, debt-to-income ratios, and what loan programs or down payment assistance programs are available in the community.
• Learn about Predatory Lending, Foreclosure Scams
• Understand the documents required for closing a loan.
• Our certificates can be used toward the NSP (Neighborhood Stabilization Program) and First Time Homebuyer’s Down Payment assistance programs (check with your Realtor)

[/boc_accordion][/boc_accordion_section][/vc_column_inner][/vc_row_inner][boc_spacing height=”50px”][/vc_column][/vc_row][vc_row full_width=”stretch_row” bg_type=”bg_color” bg_color_value=”#2b4988″ css=”.vc_custom_1445544173046{margin-bottom: 0px !important;}” el_class=”whte_text”][vc_column css=”.vc_custom_1445458608618{padding-top: 10px !important;padding-bottom: 20px !important;}”][boc_heading color=”#333333″ font_size=”40px”]Why HomeTrek?[/boc_heading][vc_row_inner el_class=”white_text” css=”.vc_custom_1445544319779{margin-top: 10px !important;margin-bottom: 20px !important;}”][vc_column_inner el_class=”white_text” width=”1/2″][boc_list_item icon=”icon icon-arrow-right6″]Easy to navigate[/boc_list_item][boc_list_item icon=”icon icon-arrow-right6″]Re-take quizzes as many times as you need[/boc_list_item][boc_list_item icon=”icon icon-arrow-right6″]Full of tips you can put to use today[/boc_list_item][/vc_column_inner][vc_column_inner width=”1/2″][boc_list_item icon=”icon icon-arrow-right6″]Learn from videos and text
[/boc_list_item][boc_list_item icon=”icon icon-arrow-right6″]Support telephone number to call if you have questions (business hours)[/boc_list_item][boc_list_item icon=”icon icon-arrow-right6″]Certificate provided upon completion[/boc_list_item][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row]