• Home
  • History
  • Services
  • Who We Are
  • Before Buying A House
  • Foreclosure Prevention Assistance
  • Helpful Resources
  • Forms
  • Team
  • Contact
  • Home
  • History
  • Services
  • Who We Are
  • Before Buying A House
  • Foreclosure Prevention Assistance
  • Helpful Resources
  • Forms
  • Team
  • Contact
GREATER HOUSING INFORMATION CENTER
  • Home
  • History
  • Services
  • Who We Are
  • Before Buying A House
  • Foreclosure Prevention Assistance
  • Helpful Resources
  • Forms
  • Team
  • Contact

Before Buying A House
T​he Greater Kansas City Housing Information Center offers pre-purchase classes to residents interested in buying their first home. The classes cover important topics, including:


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      Step 1: ​Are You Ready for Homeownership
  • What are the benefits and challenges to owning your own home
  • What are the differences between owning and renting
  • What are the steps in purchasing a home
  • Understanding the relationship between your income and loan limits?
  • How do you qualify for a loan?
Step 2: How to prepare a household budget
  • Why a household budget is important to homeownership
  • How to obtain and understand a credit report
  • How to correct poor credit
  • What are your rights as a consumer
  • What are the options for obtaining credit
Step 3: Shopping for a Home 
  • Getting help from qualified companies
  • Determining what you can afford
  • Determining the type and size of house you need
  • What to look for in neighborhoods
  • Evaluating the Home Computer 
  • Negotiating a real estate contract
  • How to determine a fair price
Step 4: Shopping for a Mortgage Loan
  • Understanding underwriting criteria
  • How to compare mortgage products
  • Types of lenders and types of loans
  • How to avoid mortgage fraud
Step 5: Closing on Your Loan
  • Understanding the loan process
  • Understanding the down payment and closing costs
  • Title insurance
  • Homeowner insurance
  • Closing process
  • What to do if your loan application is rejected
Last Step: The House is Yours, Now What?
  • What needs routine maintenance
  • How to determine a maintenance budget and set up an account
  • Being a good neighbor
  • Energy conservation
  • Delinquent payments – what to do


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