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CreditSmart A Guide to Better Credit, Money Management, and Responsible Homeownership

CreditSmart – Steps to Homeownership Tutorial

Are you a first- time homebuyer required to take a homeownership education course as a qualification for Home Possible® Mortgages? This free, interactive tutorial is a smart solution that will teach you how to achieve your financial and homeownership goals.  You will receive a certificate after successful completion of the course.

Highlights of the Course

  • This self-paced tutorial outlines the steps to homeownership from the importance of good credit to qualifying for a loan and selecting a lender, with a special emphasis on protecting your investment once you own a home.
  • There are five lessons in this course, including:
    • Your Credit and Why It is Important
    • Managing Your Money
    • Thinking Like a Lender
    • Becoming a Homeowner
    • Preserving Homeownership – Protecting Your Home Investment
  • Successful completion of this tutorial satisfies the Home Possible Mortgages homeownership education requirement. After you complete the tutorial in its entirety, you will be able to print a course completion certificate for your records.  You can also save the certificate as a PDF so that you can send it directly to your lender, if needed.
  • There is no date or time restriction for completion of this course.  You can take this course any time, at your own pace.  It is estimated to take approximately two hours to complete all of the lessons and receive your course completion certificate.
  • You can stop studying at any time and return to the course at your convenience, as long as you are logged in from the same computer.

Get started today!

System Requirements

  • This course is best viewed using Internet Explorer version 9.0 or higher and a screen resolution of 1024x768 or greater.
  • Additionally, please ensure your browser's zoom/magnification setting is set to 100% (settings higher than 100% might necessitate scrolling in order to view the entire screen and/or course navigation buttons). To check your browser's zoom setting, select Zoom from the View menu or click the Tools button (the gear-shaped icon in upper right corner) and select Zoom.
  • You will need a printer to print out the course completion certificate.

If you have any questions or experience problems while taking this online course, please contact

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