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Outlines learning objectives and enabling objectives covering readiness to purchase, mortgage option types, the full buying process, and available home buying resources. Provides structured learning activities, timing for each agenda section, discussion guidance, and training material requirements, including slides and optional quizzes.",{"@graph":63,"@context":119},[64,80,102],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":11,"@type":70,"position":76},"https://docshare.wps.com/template/presentations/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/home-sweet-home-instructor-guide/277804/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/home-sweet-home-instructor-guide/277804.png","ImageObject",442,249,{"name":88,"@type":89},"Kurz","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-10-20","2026-09-15",true,{"@type":98,"interactionType":99,"userInteractionCount":101},"InteractionCounter",{"@type":100},"ViewAction",8,{"@type":103,"mainEntity":104},"FAQPage",[105,111,115],{"name":106,"@type":107,"acceptedAnswer":108},"What outcomes should learners achieve after the Home Sweet Home lesson?","Question",{"text":109,"@type":110},"Learners should be able to make informed decisions about purchasing a home. The guide specifies readiness to purchase, mortgage option types, the home buying process, and identification of home buying resources.","Answer",{"name":112,"@type":107,"acceptedAnswer":113},"Which learning activities and timing are included in the lesson?",{"text":114,"@type":110},"The lesson includes group discussions and demonstrations such as “Why do you want to buy?” (3 minutes), “Mortgage Comparison” (2–3 minutes), “Steps to Homebuying” (2 minutes), “Housing Calculators” (3 minutes), and an optional “Closing the Deal” quiz (2 minutes).",{"name":116,"@type":107,"acceptedAnswer":117},"What topics are covered in the content outline?",{"text":118,"@type":110},"The outline covers budgeting and affordability (DTI, creditworthiness, down payment), lender and loan types (conventional and government insured options), mortgage comparison and lender selection, the step-by-step buying process (including prequalify/preapproval, negotiations, and closing), homeowners insurance fundamentals, and learning resources.","https://schema.org",{"og:url":78,"og:type":121,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":123,"canonical":78},"index,follow",{"doc_id":125,"site_id":56},277804,1791736541,{"code":4,"msg":5,"data":128},{"doc_id":125,"user_id":129,"nickname":88,"user_avatar":130,"doc_module":9,"category_id":8,"category_name":11,"doc_title":59,"doc_description":61,"doc_content":131,"file_id":132,"file_url":133,"file_type":134,"file_size":135,"view_count":101,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":136,"language":137,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":138,"faqs":139,"seo_title":140,"seo_description":61,"update_tm":141,"read_time":142},2336478945635,"https://ap-avatar.wpscdn.com/davatar_6f874abed73319feea01a86fa6f0fab8","Lesson: Home Sweet Home  \nHome Sweet Home is a 60-minute interactive lesson. This lesson is designed to increase the knowledge of first-time home buyers on the home buying process and financial considerations when deciding to buy a home.  \nLearning Objectives  \nAt the conclusion of this lesson, learners should be able to make informed decisions about purchasing a home.  \nEnabling learning objectives:  \n• Determine readiness to purchase a home  \n• Describe different types of mortgage options  \n• Describe the home buying process  \n• Identify home buying resources  \nLearning Activities  \nThis lesson contains the following activities:  \n• Why do you want to buy? (3-minute large group discussion)  \n• Mortgage Comparison (2 to 3-minute large group discussion)  \n• Steps to Homebuying (2-minute large group discussion)  \n• Housing Calculators (3-minute demonstration)  \n• Closing the Deal – optional quiz (2-minutes)  \nContent Outline  \n1. Welcome and Introduction (5 minutes)  \n• Welcome  \n• Facilitator Introduction  \n• Agenda  \n• Why Do You Want To Buy?  \n2. What Can You Afford? (5 minutes)  \n• Calculate Your Budget  \no Debt-to-Income Ratio (DTI)  \n• Creditworthiness  \no What Lenders Look For  \n• Down Payment  \no Lender Requirements  \no Private Mortgage Insurance (PMI)  \n3. Lenders and Loans (25 minutes)  \n• Loan Types  \no Conventional  \no Government Insured  \n􀂃 Federal Housing Administration (FHA)  \n􀂃 Department of Veterans Affairs (VA)  \n• Mortgage Comparison  \n• Choosing a Lender  \no Interest Rate  \no Annual Percentage Rate (APR)  \no Discount Points  \no Loan Origination Fee  \no Lock-in Options  \n• Choosing a Mortgage Loan  \no Fixed Rate Mortgage  \no Adjustable-Rate Mortgage (ARM)  \no Other Loan Options  \n􀂃 State Veterans Programs  \n• Mortgage Calculators  \n4. The Home Buying Process (15 minutes)  \n• Steps to Homebuying  \n• Mortgage Application  \no Prequalify  \no Preapproval  \n􀂃 Capacity  \n􀂃 Capital and Cash Reserves  \n􀂃 Credit  \n􀂃 Collateral  \n􀂃 Good Faith Estimate  \no Document Requirements  \no Review Credit Report  \n• Selecting a Real Estate Agent  \no Can You Do It Alone?  \n• Negotiating the Deal  \no Offer Letter  \no Contingencies  \no Counteroffers  \no Property Appraisal  \no Home Inspection  \n• The Closing  \no HUD-1 Settlement Statement  \no Closing Costs  \no Prepaid Costs  \n5. Homeowners Insurance ( 1 minute)  \n• Basic Coverages  \no Cost to Rebuild  \no Personal Property  \no Personal Liability  \n􀂃 Medical Costs  \n6. Resources (3 minutes)  \n• Local Homebuying Resources  \n• Additional Support Resources  \no Personal Financial Manager (PFM)  \no Personal Financial Counselor (PFC)  \n7. Conclusion (6 minutes)  \n• Summary and Review  \n• Activity: Closing the Deal  \n• Final Questions  \nTraining Materials  \nA laptop, projector, and screen are needed to project the PowerPoint presentation and videos, if applicable, during the training session. You will also need the following items to conduct the session:  \n• PowerPoint Presentation: Home Sweet Home  \n• Handouts:  \no Closing the Deal (optional quiz)  \no Looking for the Best Mortgage  \n[www.hud.gov/sites/documents/BOOKLET.PDF](www.hud.gov/sites/documents/BOOKLET.PDF)  \no Mortgage Shopping Worksheet (optional)  \n[www.consumer.ftc.gov/articles/pdf-0104-mortgage-shopping](www.consumer.ftc.gov/articles/pdf-0104-mortgage-shopping)worksheet. pdf  \no Spending Plan Worksheet (optional)  \n[finred.usalearning.gov/assets/downloads/FINRED-Spendingplan](finred.usalearning.gov/assets/downloads/FINRED-Spendingplan)TK. pdf  \n• Blank paper  \n• Pencils or pens  \n• Large chart paper or whiteboard (optional)  \n• Markers (optional)  \n• Internet connection (optional)  \nUsing This Instructor Guide  \nThe presenter is the most important part of delivering information. Make sure to familiarize yourself with the content in the lesson so that you can effectively discuss each key point during the training session. Review the material and practice delivering the content ahead of time in order to feel comfortable covering the","cbCaiehJDwWXWwoL","https://ap.wps.com/l/cbCaiehJDwWXWwoL","pdf",937789,29,"English","# Lesson Overview\n## Learning Objectives and Enabling Objectives\n## Learning Activities\n# Content Outline\n## Welcome and Introduction\n## What Can You Afford?\n## Lenders and Loans\n## The Home Buying Process\n## Homeowners Insurance\n## Resources\n## Conclusion\n# Training Materials and Preparation\n## Using This Instructor Guide\n## Course Preparation","[{\"question\":\"What outcomes should learners achieve after the Home Sweet Home lesson?\",\"answer\":\"Learners should be able to make informed decisions about purchasing a home. The guide specifies readiness to purchase, mortgage option types, the home buying process, and identification of home buying resources.\"},{\"question\":\"Which learning activities and timing are included in the lesson?\",\"answer\":\"The lesson includes group discussions and demonstrations such as “Why do you want to buy?” (3 minutes), “Mortgage Comparison” (2–3 minutes), “Steps to Homebuying” (2 minutes), “Housing Calculators” (3 minutes), and an optional “Closing the Deal” quiz (2 minutes).\"},{\"question\":\"What topics are covered in the content outline?\",\"answer\":\"The outline covers budgeting and affordability (DTI, creditworthiness, down payment), lender and loan types (conventional and government insured options), mortgage comparison and lender selection, the step-by-step buying process (including prequalify/preapproval, negotiations, and closing), homeowners insurance fundamentals, and learning resources.\"}]","Home Sweet Home - Instructor Guide | PDF",1789504229,10]