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Housing Opportunity Certification (HOC)

April 9, 2025 8:30 AM - 4:15 PM (EDT)

Description

Provide an overview of the www.maylandhomeownership.com website and features available to consumers and licensees. Specific mortgage options and related financing programs and incentives offered by Maryland housing financing agency and other local entities. These programs are primarily targeted to first time home buyers and eligible buyers in the workforce who meet certain income guidelines. Additionally, information on homebuyer education and working with housing counselors will be reviewed. There will also be a discussion about foreclosure prevention options for homeowners.

STATE AND LOCAL PROGRAMS  provides fundamentals about state and local programs available for low/no down payment, closing cost grants, extended term mortgages, as well as other tax credits, plus government resources for homeownership education and counseling. The course also provides an overview of Maryland REALTORS® consumer website www.maryland homeownership.com. 

FEDERAL PROGRAMS AND NATIONAL INITIATIVES  includes information on programs and new regulations for HUD/FHA/VA/USDA, as well as national private sector/guaranty programs.  

MARYLAND MORTGAGE PROGRAM & MARYLAND HOMECREDIT PROGRAM leads with a comprehensive discussion of the various Department of Housing and Community Development (DHCD) mortgage products and programs including qualifications, income guidelines, and special incentive areas.  

UNDERSTANDING CREDIT  is an introduction to the world of credit and credit reports and answers the questions from learning who the main credit agencies are and how do they calculate scores, to the understanding of what this means and how REALTORS® can educate their clients. 

Time

State and Local Programs w/ Brenda Kasuva  Course: 270-0703 Topic F 1.5hrs  9am - 10:30am

Federal & National Initiatives w/ Bridget McGee Course: 269-0703 Topic F 1.5hrs  10:45am - 12:15pm

LUNCH 12:15pm - 1:00pm  Provided

Maryland Mortgage Program w/ Latoya Harris Course: 268-0703 Topic F 1.5hrs 1:00pm - 2:30pm

Understanding Credit w/Mike McNamara  Course: 271-0703 Topic F 1.5hrs  2:45-4:15pm

Pricing

$20 Covers all 4 classes with a certificate.  Lunch is include in the pricing.  

No refunds will be given if not cancelled within 24 hrs.  There is a $30 No-Show Fee.  

Contact:   kitty@carrollrealtors.org

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Contact Information

Carroll County REALTORS®
Name: Kitty Owings
Phone: 8570388
Email: kitty@carrollrealtors.org

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