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Professional Certification

The gold standard in economic and housing development finance training, NDC’s certification programs impart the skills needed to get deals done with real-world examples and instructors who do what they teach.

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Home Ownership Finance

HD410 – Home Ownership Finance. The first course in the HDFP certification program examines the skills required to succeed in developing single-family housing that is affordable for low and moderate-income families. The focus is on financing, especially the relationship between the development and the affordability for a home buyer. Topics include:

Home Ownership Development Overview

Achieves a public purpose
Stabilizes neighborhoods
Promotes economic growth
Establishes markets

Home Ownership Development Process

The players
Non-profits and public sector roles
Selecting and developing the site

Financing and Deal Structuring

Construction financing
Profit and loss statement
Cash flow statement

Qualifying Home Buyers

Calculating ratios
Verifying information
Evaluating credit reports

Income and Credit Barriers to Home Buyer Qualification

Down payment and closing costs
Debt/income ratios
Credit history
Monthly payment
Methods of overcoming barriers
Lease-purchase

Permanent Mortgage Programs

Federal programs
Private programs

Prerequisite: None