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Housing Opportunity Certification (HOC)

Housing Opportunity Certification (HOC)

Tuesday, April 9, 2024 (8:30 AM - 4:15 PM) (EDT)


Housing Opportunity Certification Course

Understanding Credit w/Mike McNamara  Course: 271-0703 Topic F 1.5hrs

Maryland Mortgage Program w/ Latoya Harris Course: 268-0703 Topic F 1.5hrs

Federal & National Initiatives w/ Bridget McGee Course: 269-0703 Topic F 1.5hrs

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

Provide an overview of the 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.

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.  

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 

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. 

Carroll County REALTORS
2103 Sykesville Road
Westminster, MD 21157 United States
Event Contact
Kitty Owings
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Tuesday, April 9, 2024 (8:30 AM - 4:15 PM) (EDT)

Understanding Credit 9am-10:30am / Maryland Mortgage Program 10:45am-12:15pm / Lunch 12:15pm-1pm / Federal & National Initiatives 1pm - 2:30pm / State and Local Programs 2:45pm - 4:15pm

Continuing Education
No Show Fee - CE
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