Empowerment Resource Academy (ERA) Classes
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
This two-hour clinic is designed to inform the foreclosure process in Connecticut, and the steps one can take to avoid foreclosure. Clinic participants receive information about the role of housing counseling, the judicial foreclosure and mediation process in Connecticut, protecting themselves from foreclosure scams and other information about programs and resources available to homeowners.
Pre-Purchase Certificate Class
Provides in-depth instruction on the steps towards homeownership to anyone interested in buying their first home. This class is designed to expand your knowledge of the home buying process and the financing options available to you.
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
Provides an overview on the range of financial and practical topics that a homebuyer should understand before completing the 2-4 family homeownership process.
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.
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.
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.
Fair Housing Workshop
This workshop includes an overview of federal, state and local fair housing laws, identifying fair housing violations, including fair housing violations in mortgage lending, and what to do if you are a victim of housing discrimination.
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.