How to find a trustworthy first-time homebuyer class

Many classes are low cost or free, and the best starting points are official. Avoid anyone who asks for large fees or pushes a single product.

Where to look

• The housing counselor search run by the U.S. Department of Housing and Urban Development (HUD), which lists approved counseling agencies.
• Your state or city housing finance agency, which often lists approved classes tied to assistance programs.
• Nonprofit housing groups and credit unions in your area.

Questions to ask a provider

1. Is this class accepted for the down payment programs I may qualify for?
2. What does it cost, and what does that include?
3. Is it online, in person or both, and how long does it take?
4. Do you give a certificate, and how long is it valid?
5. Do you or your instructors earn money from lenders or agents who are recommended in class?

Red flags

• Pressure to sign with one lender or agent.
• Promises of guaranteed approval or special rates.
• Requests for large upfront fees or sensitive information before you have seen what is offered.

Prepare before you go

Bring your last pay stubs, tax returns and a list of debts and savings, so you can ask specific questions and get a realistic picture. The estimator helps you test prices before you talk to a lender.