Personal Finance

First Home Buyer Guide

Buy your first home without overpaying or guessing

12 lessons4 modules9h 0m durationbeginner level

Instructor: StretchLearn Faculty

About this course

This course demystifies the home-buying process for first-time buyers using the same math, mortgage programs, and inspection standards professionals rely on. You will calculate what you can truly afford, assemble a down payment and closing-cost reserve, navigate pre-approval and offers, and protect yourself through inspection and closing. Every module uses worked examples in both US and Canadian terms so you can act with confidence.

Curriculum

Module 1: Know What You Can Actually Afford3 lessons

The True Cost of Ownership vs. RentingPreview45m
The 28/36 and GDS/TDS Affordability Rules🔒45m
Building Your Personal Affordability Number🔒45m

Module 2: Down Payments, Mortgages, and Programs3 lessons

How Much Down Payment Do You Really Need🔒45m
Loan Types and First-Time Buyer Programs🔒45m
Total Cash to Close🔒45m

Module 3: Pre-Approval, House Hunting, and Offers3 lessons

Getting a Strong Mortgage Pre-Approval🔒45m
Searching Smart and Reading the Market🔒45m
Writing a Competitive Offer🔒45m

Module 4: Inspection, Closing, and Moving In3 lessons

The Home Inspection and Appraisal🔒45m
The Closing Process Step by Step🔒45m
After Closing: Protecting Your Investment🔒45m