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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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Training
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
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