Home Buyer Class
Many loan programs available to home buyers don’t require a home buyer education class to be taken. However, there are a couple of low down payment and down payment assistance programs that do require a short home buyer education class be taken. If you do a search on the internet for class providers be prepared for mass confusion! The issue is that different loan programs and states have different requirements and you have to make sure you take the right class or it wont be accepted.
For the most part, at least in Michigan, the HUD Approved Counseling Agencies will typically meet those requirements. If you are looking for a face to face class here in Southwest Michigan, we work a lot with Kalamazoo Neighborhood Housing Services or KNHS and they have home buyer course options both in person and online. If you are looking to take the course online Fannie Mae offers a free online course.
Loan Programs With Home Buyer Education Requirements
The MSHDA down payment assistance programs are the most common loan programs that require a home buyer class. However, the following programs all require home buyer education.
- Conventional Home Ready Program (3% down)
- FHA MSHDA with down payment assistance
- Conventional MSHDA with down payment assistance
- FHA MSHDA FLEX with down payment assistance
- Conventional MSHDA FLEX with down payment assistance
Course Registration
Most home buyers prefer to take the home buyer course online. Fannie Mae offers a free online class that is quick and easy.
- Register for the online course by following this link fanniemae.com/education The cost for the course is FREE!
- Complete the online class
- After you complete the online home buyer education you will receive a course completion certificate.
- That’s it!
If you have any problems feel free to call us at (269) 360-7109.
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What if the traditional advice you’ve heard about down payments is actually the very thing keeping your homeownership dreams grounded? Deciding between an FHA vs conventional loan for first time buyer in Portage MI often feels like preparing for a high-stakes takeoff. It’s completely natural to feel a bit of turbulence when you’re staring down credit requirements or confusing mortgage insurance terms. You want to ensure your financial foundation is secure before you leave the runway, yet the fear of rejection can make the whole process feel like a gamble rather than a significant life milestone.
We believe every neighbor deserves a clear flight plan that replaces anxiety with expert guidance. In this detailed comparison, you’ll discover which mortgage path provides the smoothest ascent for your specific situation in the 2026 market. We’ll break down the latest loan limits, compare monthly costs, and show you how to layer MSHDA assistance to give your down payment some extra lift. By the time we finish, you’ll have the confidence to choose the right loan and successfully pilot your way to a new front door in Portage.