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Pre & Post Purchase Homeownership – Module 4

June 7 , 8:00 am EDT December 30 , 5:00 pm EST

Self-paced, available on demand through December 30.

To help housing counselors take and pass the HUD Certification Exam, NCRC has launched a new self-paced HUD Prep E-Learning Series made available to you online. This series is available on-demand for you to access at your convenience. 

This module has two sub modules. Module 4.1 explains how to evaluate a client’s readiness to purchase through a discussion of income, credit, savings and homeowner responsibility. We discuss the home selection process and the team of professionals needed to complete the process. Counselors learn how to help consumers obtain financing, understand mortgage regulations and lender disclosures. We explain common abusive lending practices and scams, as well as common insurance features and policy additions. Module 4.2 covers post purchase information and consequences of missing mortgage payments, not paying taxes or insurance and compliance requirements and regulations of homeowners associations. We discuss maintenance plans and home systems’ life cycle, emergency preparedness plans, energy efficient strategies, and we cover the process of selling a home.

If you have any questions feel free to contact training@ncrc.org

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Redlining and Neighborhood Health

Before the pandemic devastated minority communities, banks and government officials starved them of capital.

Lower-income and minority neighborhoods that were intentionally cut off from lending and investment decades ago today suffer not only from reduced wealth and greater poverty, but from lower life expectancy and higher prevalence of chronic diseases that are risk factors for poor outcomes from COVID-19, a new study shows.

The new study, from the National Community Reinvestment Coalition (NCRC) with researchers from the University of Wisconsin–Milwaukee Joseph J. Zilber School of Public Health and the University of Richmond’s Digital Scholarship Lab, compared 1930’s maps of government-sanctioned lending discrimination zones with current census and public health data.

Table of Content

  • Executive Summary
  • Introduction
  • Redlining, the HOLC Maps and Segregation
  • Segregation, Public Health and COVID-19
  • Methods
  • Results
  • Discussion
  • Conclusion and Policy Recommendations
  • Citations
  • Appendix

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