INTRODUCTION
GET STARTED: LAYING THE FOUNDATION
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Getting Started
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Readiness Quiz
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Overview: Know How Much Home You Can Afford
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Overview: Understand the Cost of Buying
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Overview: Understand the Cost of Homeownership
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Overview: Understand the Role Your Credit Plays
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Overview: Understand the Benefits of Homeownership
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Congratulations! You've Completed Track 1
THE RENTER'S SMART TRACK
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Your Home Buying Timeline
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Activity: Set Your Home Buying Timeline
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Lease Smart
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Lease Smart: Lease Agreement Options
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Lease Smart: Selecting a Smart Lease Term
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Lease Smart: Financial Considerations
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Lease Smart: Make Apartment Living More Affordable
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Lease Smart: Spend Smart on Moving Day
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Lease Smart: Negotiate a Favorable Lease Renewal
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Lease Smart: Securing Your Security Deposit
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Lease Smart: Securing Your Pet Deposit
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Budget for Home Buying
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Budget for Home Buying: Create a Budget
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Budget for Home Buying: Calculate Your Monthly Income (the Right Way!)
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Budget for Home Buying: Calculate Your Monthly Expenses
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Budget for Home Buying: Taking Action Based on Your Budget Results
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Budget for Home Buying: Prioritize Your Spending (get serious!!)
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Budget for Home Buying: Review Your Budget
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Budget for Home Buying: Helpful Apps
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Activity: Set Your Own Budget
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Saving to Buy
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Saving to Buy: 11 Tips to Cut Expenses (for the EXTRA bossy!!)
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Saving to Buy: How Much CASH Will You Need?
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Saving to Buy: Meet Brenda
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Saving to Buy: Estimate Your Down Payment
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Saving to Buy: Estimate Your Closing Costs
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Saving to Buy: Prepare for These Additional Costs
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Saving to Buy: Estimated Savings Needed
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Saving to Buy: Setting Your Monthly Savings Goal
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Saving to Buy: Establish Your Level of Readiness
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Activity: Set Your Savings Plan Worksheet
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Money Management
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Money Management: Keeping Track of Your Money
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Money Management: Key Qualities for Good Money Management
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Congratulations! You've Completed Track 2
GETTING CREDIT READY
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Your Credit Score
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Your Credit Score: Benefits of a Good Credit Score
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Your Credit Score: Minimum Score Requirements
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Activity: Get Your Free Credit Reports and Scores
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Completion Quiz: Your Credit Score
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Credit Building
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Credit Repair
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Credit Repair: Review Your Credit Report and Fix Errors
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Credit Repair: Stop Spending
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Credit Repair: Pay Down Debt
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Credit Repair: Contact Your Creditors
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Credit Repair: Pay More than the Minimum
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Credit Repair: Maintain Old Accounts, Here's Why
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Credit Repair: Should you work with a credit repair specialist?
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Credit Repair: Apply for New Credit ONLY As Needed
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Credit Repair: Start EARLY!!!
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Credit Repair: Do-It-Yourself
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Congratulations! You've Completed Track 3
GETTING MORTGAGE READY
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Mortgage Readiness
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Preapproval Process
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Preapproval Process: Prequalification
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Preapproval Process: Preapproval
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Preapproval Process: Underwriting Preapproval
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Preapproval Process: Preapproval FAQS
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Preapproval Process: 4 Steps to Getting Preapproved
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Mortgage Type: Choosing the Right Mortgage Type for You
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Mortgage Type: Conventional Loan
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Mortgage Type: FHA Loan
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Mortgage Type: VA Loan
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Mortgage Type: USDA Loan
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Mortgage Type: Jumbo Non-Conforming Loan
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Mortgage Type: Adjustable Rate Mortgage (ARM)
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Mortgage Type: 203(k) Construction / Rehab Loan
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Mortgage Rates
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Mortgage Rates: How to Get a Lower Rate
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Mortgage Rates: What is "Locking Your Rate"?
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Mortgage Rates: When to Lock Your Rate
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Activity: What is Today's Mortgage Rate?
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Quiz: Mortgage Rates
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The Appraisal
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Loan Processing
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Underwriting
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Closing
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Congratulations! You've Completed Track 4
GETTING HOME READY
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Your Dream Team
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Your Dream Team: Finding the Right Agent
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Your Dream Team: Finding the Right Lender and Loan Officer
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Your Dream Team: Finding a Home Inspector
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Your Dream Team: Finding a Title Company and Escrow Officer
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The Home Buying Process (6 Steps)
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01 Getting Your Preapproval Letter
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02 Finding the Right Home
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House Types: What's your type?
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House Styles: What's your style?
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New or Resale?
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Where do you want to be?
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Sharing Your Vision
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Home Search Tools
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Attending Showings and Open Houses
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03 Making an Offer
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7 Common Pitfalls to Avoid
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Going Under Contract
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Overview: Contingencies
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Choosing a Closing Date
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Overview: Counter Offers & Negotiating
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Overview: Earnest Money
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Overview: Option Period
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04 Getting a Home Inspection
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05 Finalizing Your Mortgage Loan
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06 Closing and Getting the Keys
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6 Important Closing Tips
CONGRATULATIONS!!
18 MONTH HOME OWNERSHIP PLAN
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Working the Home Ownership Plan
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Month 1
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Month 2
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Month 3
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Month 4
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Month 5
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Month 6
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Month 7
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Month 8
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Month 9
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Month 10
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Month 11
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Month 12
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Month 13
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Month 14
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Month 15
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Month 16
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Month 17
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Month 18
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1-2 Weeks Out
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4 Days Before Closing
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3 Days Before Closing
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Day Before Closing
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Closing Day
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Welcome Home! Helpful Tips
RESOURCES
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