How the Program Works

Through a combination of informational workshops and individual counseling, CHDC’s First Time Homebuyer Program teaches you everything from preparing yourself financially to completing your purchase. After completing 8 hours of group or online education, once you’ve met with your counselor and entered a purchase contract, CHDC will issue you the First Time Homeowner Education Certificate of Completion. The certificate is a HUD requirement for many lenders and down payment assistance programs. If requested, we can send your certificate directly to your title company. We will also inform qualified buyers of special financing opportunities to ensure the purchase is affordable.

By completing the workshops and follow up session, you can obtain:

We are currently offering Virtual Instructor led homebuyer education classes and follow-up sessions in English and Spanish. The registration fee is $75 per person. Upon completion of the course, you must schedule a follow-up session. At that time, you will be charged a $20 fee for a credit check. You may provide a current (no older than 90 days) credit report with all 3 credit scores and we will waive the fee).

We offer a self-paced online Home Buyer Education course through eHome America which is available in English and Spanish. The registration fee is $99.00. We allow an individual borrower or a couple (borrower & co-borrower) to complete the course for the $99 fee. Once you have completed eHome we will contact you to schedule a follow-up session. At that time, you will be charged a $20 credit check fee per person. You may provide a current (no older than 90 days) credit report with all 3 credit scores, and we will waive the fee).

When you have completed the online course, you must complete an intake form and provide supporting documentation. Once ALL documents are received, we will schedule a follow-up session with one of our HUD certified counselors.

To receive your certificate and find out if you are eligible for available down payment assistance programs, HUD requires a follow-up session that can be conducted in person or by telephone, whichever is more convenient for you. The follow-up session is scheduled after the submission of the intake form and required documents.

Call our office for more questions or concerns. We are here to assist you.

Thanks again for choosing CHDC!
1535-A Fred Jackson Way
Richmond, CA 94801
510-412-9290

For additional questions homebuyer education questions, information in Spanish, or disability accommodations email us at admin@communityhdc.org.