Classes

Empowerment Resource Academy (ERA) Classes

Financial Fitness - Crisis Financial Management and Benefits Access

This course is designed to assist participants in planning for their financial future and taking control, understanding why to have a budget and spending plan, emergency budgeting, tips for maximizing income and lowering debt, the importance of credit and knowing your credit rights, and Covid-19 resources and benefits access for homeowners and tenants.

Foreclosure Prevention Clinic

If you are struggling with your monthly mortgage payments, this ERA class is a necessity to prevent eviction & housing loss. This two-hour session is designed to inform the foreclosure process in Connecticut and the steps one can take to avoid foreclosure. Class participants receive information about the role of housing counseling, the judicial foreclosure and mediation process in Connecticut, protecting themselves from foreclosure scams, and information about other programs and resources available to homeowners.

Fair Housing Workshop

This ERA workshop will teach you what housing discrimination looks like and how to fight it. We will give an overview of the Fair Housing Act, examples of different fair housing violations, how to handle filing a complaint, your rights and responsibilities as a tenant, and more fair housing resources.

Pre-Purchase Certificate Class

Whether you’ve just started to think about buying a house or are ready to make an offer, this ERA class provides in-depth instruction on the steps towards homeownership to anyone interested in buying their first home. We will expand your knowledge about the mortgage pre-approval process, making your offer, and the closing process, helping you make informed decisions about your first home.

This class also includes a One-on-One counseling session following the class.

**Individuals who complete this course will be provided with a Certificate of Completion to verify that they may have satisfied the education requirements of their mortgage loan financing.

Three-Hour Pre-Closing Class

Provides an overview of the financial and practical steps involved in buying and maintaining a home. This is an abbreviated version of the 8-hour First Time Homebuyers Class. A CHFA loan number is required for registration.

Landlord Tenant Right & Regulations Class

This ERA class is designed to provide an overview on the range of financial and practical topics that a homebuyer should understand before completing the 2-4 family homeownership process. Learn the duties, laws, and advantages of being a landlord. Other topics include: responsibilities of the landlord and tenant, finding and keeping good tenants, oral and written leases, housing discrimination, fair market rents, and security deposits.

Financial Fitness, Budgeting & Credit Class

This course is designed to assist participants in achieving a comprehensive understanding of their financial situation, including where your money comes from, where it is going, living within your means, aligning your spending with your personal priorities, having a financial plan, and feeling prepared for financial changes. Financial Fitness provides participants with an awareness of issues related to financial wellness and a multitude of tools to use when making decisions that will help mitigate financial stress and promote healthy money management. Participants will learn about setting financial goals, strategies for saving money, budgeting, understanding credit, and debt management.

Planning for the Future Workshop

This workshop is offered to all clients that are interested in learning about what to do with their money after they’ve achieved their goal of homeownership. Topics include financial planning 101 for the new homeowner, maintaining a workable household and mortgage budget, tax deductions and estate planning, insurance options, and record keeping.

Budget Workshop

BNT’s Budget Workshop focuses on how to maintain a workable budget. Financial planning basics are covered along with tips and tools on how to budget your money better and savings at the same time.

Credit Workshop

This workshop covers topics such as how to obtain your credit report, how to build and maintain a satisfactory credit score, and will offer an overview of credit reporting and FICO scoring. Additionally, the course will cover other types of credit, such as non-traditional credit, the Fair Credit Reporting Act, how to resolve credit issues and will touch on the basics of identity theft and credit scams.

Budgeting through Extreme Couponing

This workshop covers the basic couponing principals meant to make saving fun. Learn how to save more money and stay on a budget by using coupons while stocking up on necessary items.

eHome America 8-hour Homebuyer Education Certificate Course

And now, for your convenience, we offer an alternate method to get your 8-hour Homebuyer Education Certificate Course online through eHome America. The fee is $99.00 per course.

Upcoming Classes

  1. CHFA Foreclosure Prevention Class

    July 6 @ 5:30 pm - 7:30 pm
  2. First Time Homebuyer Pre-Purchase Certificate Class

    July 9 @ 9:00 am - 3:00 pm
  3. Fair Housing Workshop Lunch & Learn

    July 11 @ 12:00 pm - 1:00 pm

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