| Northeast Iowa Community Action Corporation Educational Classes
We can pull your credit report with all 3 FICO scores to help assess how you can improve your credit report & scores.
Pre-Purchase Homebuyer Education, Part 1 & Part 2 (Group Sessions)
Northeast Iowa Community Action Corporation (NEICAC) is offering these classes for anyone interested in learning more
about homeownership and financial education.
Learn about:
- Assessing your readiness to purchase a home
- How to shop for a Home
- Financing your Home
- Budgeting and Credit Information
- Maintaining your home and home finances
The classes are offered in two parts. Part I and II are for anyone looking towards homeownership and learning about the process. Through
pre-screening, some participants may only be only required to attend Part II based on their current circumstances.
Most workshops are held at the NEICAC office at 305 Montgomery, Decorah, IA. You must pre-register and get pre-screened for the
class by calling Daniel at 563-382-8436, ext. 109. There is a Book Fee cost of $25 per household.
Post-Purchase Homebuyer Education, Part 1 & Part 2 (Group Sessions)
NEICAC is offering these classes for anyone interested in options to keep your home & save on repairs by learning some
simple home maintenance repair skills. Classes are still in the development stages.
The classes are offered in two parts. Most workshops are held at the NEICAC office at 305 Montgomery, Decorah, IA. You must pre-register
and get pre-screened for the class by calling Daniel at 563-382-8436, ext. 109. There is a Book Fee per household.
Financial Fitness (One-on-One Sessions)
Basic Topics Covered
- Money Management
- Develop Financial Goals
- Plans to achieving specific goals
- Tracking Income and Spending
- Using a Spending Plan
- Saving & Investing
- Basic types of Accounts
- Resources for added Savings
- Retirement investment options
- Financial Institutions
- Types of Financial Institutions
- Pros & Cons of Savings, Checking
- Installment, Revolving, and Retirement Accounts
- Getting A Loan
- Evaluation Loan Applications
- Applying for a Loan
- Review Loan Rates, Terms, and Fees
- Credit
- Basic Types of Credit
- Pros & Cons of Credit
- Importance of Good Credit
- Analyzing your Credit Report
- Reestablishing your Credit
- Basic Taxes & Insurance
- Evaluating your Taxes
- Evaluating your Insurance
Loan Document Review (One-on-One Sessions)
Drop Us A Line Before You Sign! Here’s why...
Trained counselors will assist consumers by reviewing loan documents to determine if predatory, illegal or discriminatory practices
are being used to originate the loan. The review process will be done by a neutral and financially literate person who has no potential for
financial gain from the transaction; this allows borrowers to gain enhanced financial literacy and a sharpened ability to identify and
take skillful actions when faced with mortgage fraud and unfair lending situations. The Housing Counselor’s primary responsibility will
be to educate clients about what their loan documents are, what they mean, and how and why they are important to understand. The review will
focus on the following documents: Good Faith estimate (GFE), Truth in Lending (TILA) and the HUD1.
Schedule us today! 563-382-8436 Ext 109
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