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Dream Home Fund Financial Education Course

This course is required for every Dream Home Fund borrower. It is built around two parts:

Part 1 (10 modules) covers the fundamentals of responsible homeownership: budgeting, mortgage basics, hardship prevention, fraud protection, credit, wealth building, life events, and an annual checkup framework.
Part 2 (1 module) covers your specific Dream Home Fund program (Dream Simple), including how the silent second works, interest accrual examples, repayment triggers, and a borrower acknowledgment.

The full course takes most borrowers about 90 minutes to two hours. You can pause anytime and resume on the same device. Your lender will receive your completion certificate when you finish.

Tell us who you are

Your name and email appear on your completion certificate. Your lender's name helps us route your completion record to the right place.

Part 1: Core homebuyer education

Required for every borrower.

1
Can you really afford homeownership?
Renting vs. owning, DTI in plain language, stress-testing affordability, emergency reserves.
~10 min
2
Understanding mortgages
Fixed vs. adjustable, FHA vs. conventional vs. VA, PITI breakdown, escrow, PMI/MIP.
~10 min
3
The real cost of homeownership
Maintenance reserves, the 1% rule, surprise expenses, avoiding becoming "house poor."
~10 min
4
Taxes, insurance, and HOA
Reassessment, supplemental tax bills, Mello-Roos, insurance shopping, HOA financial health.
~10 min
5
When things go wrong
Job loss, income reduction, missed payments, forbearance and modification basics.
~10 min
6
Fraud, scams, and borrower protection
Wire fraud, mortgage relief scams, contractor scams, identity theft, title fraud.
~10 min
7
Credit preservation after closing
Protecting credit, credit card traps, car purchase mistakes, refinance eligibility.
~7 min
8
Wealth building through homeownership
Equity, appreciation, net proceeds, home equity borrowing risks, optional stewardship section.
~10 min
9
Life events and homeownership
Death, marriage, divorce, trust transfers, inheritance, probate basics, title transfer risks.
~10 min
10
Annual homeownership checkup
A framework to review your budget, insurance, taxes, reserves, equity, and refinance opportunities once a year.
~7 min

Part 2: Program-specific module

You complete only the one that matches your program selection above.

S
Dream Simple program-specific education
Silent second mechanics, 3.5%-sized simple interest accrual examples at 1/3/5/10 years, repayment triggers, refinance rules.
~15 min

Final certification

✓
Final quiz & borrower acknowledgment
Eight questions drawn from the core modules and your program-specific module. Pass with 80%+ to earn your certificate.
~10 min