HomeReadyCA
Course Curriculum
A comprehensive education program designed specifically for California homebuyers. Learn everything from budgeting to closing.
Start Here
Your 7-day action plan to get started
Topics covered:
- Your first steps as a homebuyer
- 7-day action plan
- Understanding the timeline
Budget + Buying Power
Understanding your true buying capacity
Topics covered:
- PITI and monthly payments
- Comfort budget vs max approval
- True cost of homeownership
Mortgage Basics (CA)
California-specific loan options explained
Topics covered:
- Conventional, FHA, and VA loans
- Interest rates vs APR
- Reading a loan estimate
Documents + Underwriting
Getting your paperwork ready
Topics covered:
- Income documentation
- Asset verification
- Gift funds requirements
Down Payment Assistance
California DPA programs and eligibility
Topics covered:
- California DPA programs
- Eligibility requirements
- Application process
Home Search + Offer Strategy
Finding and winning your dream home
Topics covered:
- Defining your needs and wants
- Writing competitive offers
- Contingencies explained
Escrow Process
Navigating from contract to close
Topics covered:
- Earnest money deposits
- Wire fraud prevention
- Rate lock strategies
Inspections + Negotiation
Protecting your investment
Topics covered:
- Types of inspections
- Repair negotiations
- Credit vs repairs
Insurance (CA)
California homeowners insurance essentials
Topics covered:
- California insurance basics
- Shopping for quotes
- What lenders require
Closing + First 30 Days
Final steps and new homeowner checklist
Topics covered:
- Closing disclosure review
- Final walkthrough
- New homeowner setup
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