Welcome to Pathways to Homeownership, as you complete this self-guided module and the quizzes throughout, you will develop an understanding of the personal financial essentials of home buying and homeownership. After you’ve completed the module, the next step is to create a personal spending plan and use the forms provided to list your income, expenses and debts. Then, print the pages so you can reference them later or submit them to your lender if required.

Through Pathways to Homeownership, we’ve provided counseling and education to hundreds of thousands of individuals and families nationwide on the benefits and challenges of owning a home. We’ve learned that the first twelve months of homeownership are crucial to long-term success. Many homeowners face their biggest challenges in that first year – and some face difficult consequences as a result. By completing education and counseling before you own your home, you will be prepared to handle the upcoming expected – and unexpected – expenses and responsibilities that will arise, and know where to turn for help if you need it.