FINANCIAL RESOURCES

Freddie Mac CreditSmart® Homebuyer U - With Certificate

Choose this course if you need to provide a certificate to your RMHF representative.

The Freddie Mac CreditSmart® Homebuyer U provides a comprehensive homeownership education course through an interactive, guided experience. It offers six modules, each focused on key learning principles to promote education, homebuyer preparedness and financial management.

This link will take you directly to the course registration page.

Freddie Mac CreditSmart® 12 Module Curriculum - No Certificate

Freddie Mac’s CreditSmart® consumer financial education online curriculum features 12 complete financial education modules that provide valuable information to help you improve your credit, manage your money, and be a responsible homeowner. To get the most out of this curriculum, it is recommended that you complete all 12 modules, in numerical order. Each module can generally be completed within 20-30 minutes. However, if you have a specific homeownership need, the modules have been organized into four financial education tracks.

You can take the CreditSmart consumer financial education online curriculum anywhere – anytime, at your pace. This course is available in English and Spanish.

Choose your module below:

Introduction to CreditSmart Online CurriculumOpens in a new window | (en español)
Click on the link above if you are taking this course for the first time.

Module 1: Your Credit and Why It Is ImportantOpens in a new window | (en español)
Freddie Mac believes that the single most effective way to prepare consumers for homeownership is to educate them on the importance of using credit wisely. This module introduces credit, basic terminology, and the importance of building a better credit record.

Module 2: Managing Your MoneyOpens in a new window | (en español)
Learn about the importance of developing a spending plan and developing wise spending habits, in addition to receiving tips on how to save money.

Module 3: Goal SettingOpens in a new window | (en español)
Find out about the importance of setting goals to achieve financial objectives.

Module 4: Banking Services: An Important StepOpens in a new window | (en español)
Get valuable information on the basics of banking and the importance of establishing a relationship with a financial institution to build credit, save money, and achieve goals.

Module 5: Establishing and Maintaining Good CreditOpens in a new window | (en español)
Learn how to establish a credit presence and maintain a good credit history. The module also reviews the contents of a credit report, as well as the primary credit and consumer protection laws.

Module 6: Understanding Credit ScoringOpens in a new window | (en español)
This module describes credit scoring from a borrower’s perspective and illustrates how consumer behavior affects credit scores.

Module 7: Thinking Like a LenderOpens in a new window | (en español)
Get information on how lenders and other financial institutions determine creditworthiness and how it relates to credit scores.

Module 8: Avoiding Credit TrapsOpens in a new window | (en español)
Get valuable information on how to avoid credit traps, identity theft, and predatory lending practices that can consume personal resources and severely damage credit histories.

Module 9: Restoring Your CreditOpens in a new window | (en español)
This module shows how to deal with credit difficulties and provides tips on how to restore impaired credit.

Module 10: Planning for Your FutureOpens in a new window | (en español)
This module outlines the process to achieve goals and attain financial security.

Module 11: Becoming a HomeownerOpens in a new window | (en español)
This module provides practical information on how to prepare to obtain a mortgage and own a home.

Module 12: Protecting Your Home InvestmentOpens in a new window | (en español)
This module contains a wealth of information on understanding home equity, maintaining and improving your home, preparing for emergencies, and recognizing scams. It also includes a comprehensive section on alternatives to foreclosure.