Homebuyer Education Workshop
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Budgeting & Savings for Homeownership Part 1
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Budgeting & Savings for Homeownership Part 2
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Improving Your Credit
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Home Owners Insurance
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Fair Housing & Down Payment Assistance
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Down Payments
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Homebuyer Seminar (Choosing A Realtor)
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Home Inspections
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The Mortgage Lending Process
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Loan Closing Process
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Post-Purchase Concerns
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Questions?
If you have any questions or concerns, please state them below:
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Home Buyer Questionnaire
Please fill out the information below and mark that you have watched the entire workshop:
Name
*
First Name
Last Name
Address
*
Street Address
Street Address Line 2
City
State / Province
Postal / Zip Code
County
*
Email
example@example.com
Birthdate
*
Gender
*
Female
Male
Agender
Androgyne
Androgynous
Bigender
Cis
Cisgender
Cis Female
Cis Male
Cis Man
Cis Woman
Cisgender Female
Cisgender Male
Cisgender Man
Cisgender Woman
Female to Male
FTM
Gender Fluid
Gender Nonconforming
Gender Questioning
Gender Variant
Genderqueer
Intersex
Male to Female
MTF
Neither
Neutrois
Non-binary
Other
Pangender
Trans
Trans*
Trans Female
Trans* Female
Trans Male
Trans* Male
Trans Man
Trans* Man
Trans Person
Trans* Person
Trans Woman
Trans* Woman
Transfeminine
Transgender
Transgender Female
Transgender Male
Transgender Man
Transgender Person
Transgender Woman
Transmasculine
Transsexual
Transsexual Female
Transsexual Male
Transsexual Man
Transsexual Person
Transsexual Woman
Two-Spirit
Marital Status
Single
Married
Number of people in houshold
*
Number of people with income
*
Annual Household Income (all sources)
*
How did you hear about the workshop?
*
What is your current housing status?
*
Highest Education Level:
*
Primary
High School / GED
Vocational
College
Race:
*
Black,Non-Hispanic
Black,Hispanic
Black and White
White,Non-Hispanic
Hispanic
Hispanic Black
Hispanic Black & White
Asian
Asian & Hispanic
Asian & White
American Ind./Alaskan & Black
American Ind/Alaskan & Hispanic
Native American/Alaskan Native
Native American Pacific Islander
Native Amer. Pacific Islander & Hispanic
Other Multiple Race/ Hispanic
Other Multiple Race/Non-Hispanic
*
I have watched the entire HomeBuyer Workshop
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End of the Workshop
Please take the quiz below
1.Select one disadvantage of becoming a homeowner:
*
Some homeownership related costs are tax-deductible
The responsibility for all maintenance costs are yours
Monthly payments remain stable
Decreased mobility
2. You may be ready to buy a home if you have reliable income, good credit, and documentation to verify your savings.
*
True
False
3. It’s a good idea to plan to stay in your home for at least______ years after you purchase. Selling before then may mean that you are unable to recoup the upfront costs associated with your purchase.
*
10
5
1
4. What are the names of the three credit bureaus?
*
FICO, Beacon, Advantage
Equifax, Experian, Trans Union
CreditKarma, Credit Sesame, Annualcreditrepot.com
5. Which credit scoring model do most mortgage lenders use to qualify applicants for a mortgage?
*
FICO
Beacon
Empirica
6. What organization offers up to $5000 in down payment assistance funds, forgiven over a five year period, for income eligible applicants in Richmond County?
*
Federal Home Loan Bank
GA Dream
Augusta Housing & Community Development
7. What is the factor that has the largest influence on your credit score?
*
Amounts owed
Payment History
Types of credit used
8. Select two disadvantages of becoming a homeowner:
*
Some homeownership related costs are tax-deductible
The responsibility for all maintenance costs are yours
Monthly payments remain stable
Decreased mobility
9. Name one of the 7 protected classes under the Fair Housing Act:
*
10. An aggrieved person can make a fair housing complaint up to 2 years after the offense.
*
True
False
11. It is recommended that a new homeowner have a good filling system in place to keep all the important documents concerning the home in order and at hand.
*
True
False
12. A legal resident of Georgia can apply for a Homestead Exemption to help reduce the amount paid for county, school, and state taxes.
*
True
False
13. It is recommended to set aside 1-5% of the home's purchase price a year for maintenance and repairs.
*
True
False
14. What would the minimum down payment be for a $100,000 home with an FHA loan?
*
$5000
$3500
$3000
15. Which loan product is more conservative, will require you to have less monthly debt, and a higher down payment?
*
FHA Loan
Conventional Loan
16. Which type of insurance protects the lender by covering their loses if you default on your home loan?
*
Homeowner's Insurance
Private Mortgage Insurance
17. Which loan products do not require a down payment?
*
FHA and Conventional
USDA and VA
FHA and VA
18. If you do not have “reserves” (which some banks define as at least one month’s mortgage payment in savings), you may be denied for a mortgage loan?
*
True
False
19. Reasons to work with a Real Estate Agent include:
*
Having an agent is required in the state of GA
They are knowledgeable about executing real estate contracts
B and C
All of the above
20. It is recommended that a buyer be pre-qualified by a lender prior to shopping for a home.
*
True
False
21. What kind of insurance protects you from third party claims against the title of the property?
*
Homeowner's Insurance
Private mortgage Insurance
Title Insurance
22. Creating and following a budget will help you prepare for home ownership by helping you to be more successful at reaching your savings goal for down payment and closing costs
*
True
False
23. Most down payment assistance programs are income driven and will count all household members’ income, even if they are not on the loan.
*
True
False
24. Recently, and industry change caused the minimum credit score to qualify for an FHA loan to increase to a 660.
*
True
False
Next:(Home Buyer Workshop Class Survey)
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