Homebuyer Education Program

Helping aspiring borrowers become educated homeowners is an important first step in the homebuying process.

That’s why we have partnered with Financial Pathways Of The Piedmont, an independent, nonprofit agency, to provide free homebuyer education1 to our customers and their borrowers. This HUD-approved program meets the needs of most homebuyers, including those with loans through Freddie Mac’s Home Possible® program. (Please note that Fannie Mae’s HomeReady® program requires homebuyers to complete their education through Fannie Mae’s education partner, Framework®.)

Two Ways To Learn

Homebuyers can complete Financial Pathways’ course online or by phone, and receive a Certificate of Completion to give to their loan officer upon successful completion of the program.

 

Option 1: Complete the Financial Pathways Course by Phone

 
 

Complete the following steps:

  1. Read and study the appropriate pre-homeownership education materials. (See Educational Materials section below.)
  2. Complete the Month Expense Analysis and Course Content Review in preparation for your phone interview. (See Educational Materials section below.)
  3. Register for a phone interview via the button above. You will be redirected to the Financial Pathways Registration Form.
  4. Borrower should complete all fields, and submit.
    Note: Enter ESSENT in the "Master Policy Number" field (under Lender Information)
  5. When the completed registration form is received, a Housing Counselor will contact the borrower at the time selected on the form and conduct the telephone interview.
Once the 20-30 minute phone interview is successfully completed, a Certificate of Completion will be forwarded to the lender/broker listed as contact person on the registration form.

ENGLISH:

Please Complete the Month Expense Analysis and Course Content review in preparation for your phone interview.

 

SPANISH:

Please Complete the Month Expense Analysis and Course Content review in preparation for your phone interview.

Option 2: Complete the Financial Pathways Course Online

 
 

Complete the following steps:

  1. Enroll in the homebuyer education course via the button above. You will be redirected into the HomePath User Sign Up Process.
  2. Borrower should complete all fields, and submit.
    Note: Enter the code ESNT to bypass payment
  3. Complete all eight learning modules and tests.
Once you complete the learning modules online, you will receive a Certificate of Completion. Please print this certificate and provide to lender.

This is a self-paced learning opportunity created to guide you through all steps of buying a home. It includes eight learning modules and a test. Get Started.

Steps For Landlords

For Landlord Counseling, register online to complete the course by phone. Be sure to check the “Landlord Counseling” box on the registration form.

 

Complete the following steps:

  1. Read and study the appropriate "Becoming a Landlord" education materials. (See Educational Materials section below.)
  2. Register for a phone interview via the button above. You will be redirected to the Financial Pathways Registration Form.
  3. Borrower should complete all fields, and submit.
    Note: Enter ESSENT in the "Master Policy Number" field (under Lender Information) and check the box labeled “Landlord Counseling” under the “Check all that apply” section.
  4. When the completed registration form is received, a Housing Counselor will contact the borrower at the time selected on the form and conduct the telephone interview.
Once the 20-30 minute phone interview is successfully completed, a Certificate of Completion will be forwarded to the lender/broker listed as contact person on the registration form.

Cost

Financial Pathways’ education course is completely free and available to all borrowers, regardless of whether their loans are insured with Essent. Please note that availability may change without notice. Other limitations may also apply.

 

1 Availability may change without notice and other limitations may apply.

Home Possible® is a registered trademark of Freddie Mac.

HomeReady® is a registered trademark of Fannie Mae.

Framework® is a registered trademark of Framework Homeownership, LLC.