Home ownership is closer than you think.
Home Buyer Classes
Columbia Cascade Housing offers Home buying classes through the Columbia Gorge Community College throughout the year. Cost is $35, (scholarships are available) and registration is through CGCC at 541-506-6011. All classes are through Zoom. Click the button below for more information:
Personalized Assistance
Every homebuyer has unique wants and needs. In addition to Home Buyer Education Classes, our staff is available to answer your questions and give you support and help throughout the home buying process. We can also refer you to agencies that specialize in other assistance available to you and your family.
Why Enroll?
Homebuyer education helps you learn about the entire home buying process and make wise choices about one of the largest purchases you will ever
Individuals who participate in a homebuyer education program are less likely to default on their
Homebuyer education is required for many special affordable housing
Find out about possible down payment.
Get all your questions answered by an expert as you learn how to shop for a loan, qualify for lower rates, budget for monthly payments and unexpected expenses, and more. Homeowners who have taken the class say they felt much more confident at every step of the home buying process as a result.
To register for the next class contact the Columbia Gorge Community College
Course Objectives
Raise interest in homeownership
Decide if homeownership is right for you
Understand the home buying process
Understand the steps to getting a loan
Develop homeowners who can handle the ongoing responsibility of homeownership
Create successful first time homebuyers!
Topics Covered:
The Housing Decision: Identifying your housing needs and the home purchase
Financial Preparation: Understanding lenders and getting mortgage-ready
Mortgages: Mortgage terms, types of mortgages and shopping for a
Shopping for a Home: Assessing housing stock, selecting the home that is right for you, and working with a real estate
Purchasing the Home: The closing process
Protecting your Investment: Financial responsibility, repairs, and safety.
Reasons to own your own home
Equity: Unlike rent, your mortgage payment is an investment in your home. At the end of the mortgage, you will own your own home.
Control: You can do anything with your home. You can make improvements to your home or have pets.
Stability: You can keep your home your whole life and never worry about eviction or rent increases. Unless you choose otherwise, your home will be there for you and your family.
Tax Benefits: Mortgage interest is tax-deductible. This can decrease the amount you owe or increase the amount you will receive back on your Federal taxes.
However, owning a home is not for everyone! Generally your mortgage payment will be more than your rent. If something breaks in your home, you are responsible for getting it fixed. While selling your home is possible (even if you are still paying your mortgage), it is much easier to move out of an apartment.
Homebuyer Education classes will hile you weigh the benefits, and limitations, and determine If BUYING A HOME IS RIGHT for YOU.
On-Line Pre-Registration is required for all classes, the cost is $30 per household.
Free to low-income households.
Classes are presented by Columbia Gorge Community College