Are free and open to the public, include information about the Commission's low-
interest rate House Key State Bond first mortgage program, down payment assistance,
and other loan programs; and
Are accepted by all affordable housing loan programs as meeting or exceeding
Instructors have attended training and agreed to standards which assure
Seminars are at least five hours in length, covering all major aspects of the home
Seminars are presented in an open, unbiased format
Seminars use approved training materials and handouts
Seminars are offered by professionals who have attended our House Key and
Homebuyer Education Instructor training
No direct marketing or sales presentations may be given either by the instructor or any
Guide To Home Loans workbook is provided by the Washington State Department of
Reservations are required for all seminars
If you will be using the low-interest rate State Bond House Key program to purchase your
home, you must complete the seminar before your loan officer can lock in your interest rate.
DISCLAIMER The sponsorship by the Commission of a homebuyer education seminar does
not endorse a person, business practice, product or service other than those of the
Many people find they gain enough information at the seminar to successfully locate and
finance a home of their own. Others may find they need additional assistance. Contact us
with questions at CCM@WashingtonHousingEducation.com
Commission-Sponsored Home Buyer Education Seminars
Through local partnerships, the Commission helps homebuyers learn how to purchase and
maintain a home. Commission-sponsored homebuyer education seminars are the first step in
purchasing a home.
This seminar covers
Buying Foreclosures and Bank Owned Properties
The Government’s MCC $60,000 in Tax credit program
State of the Puget Sound real estate market
Should you buy or wait?
6 Step Process To Buying A Home
$35,000 in Home Improvements FHA Rehab loans
Common Mistakes First Time Home Buyers Make
Benefits and Risks of Buying in a Down Market
State Bond Down Payment Assistance Programs
The Lending Process
Duties Of A Buyers Agent
Negotiating The Best Deals
Credit Scores and Closing Costs
Real Estate Marketing Tricks
The Escrow Process and much more …
How do I know I've been accepted for a certain class?
It is important that you provide your contact information when registering. You will receive a conformation and
registration packet in your email. The seminar coordinator will call you soon after you submit your registration and once again
the day before the seminar. Our seminar coordinator’s name is Josh Pemberton. He can be reached directly by calling 1-877-
IGotSmart or e-mailing seminarcoordinator@IGotSmart.com
Can I bring a relative or friend?
Yes, providing you have notified the seminar coordinator in advance by calling 1-877-IGotSmart or e-mailing
seminarcoordinator@WashingtonHousingEducation.com. If you have a spouse, they also must be present if you intend to use
the educational certificate that will be issued at the conclusion of the class.
Why five hours?
This five hour WSHFC sponsored class exist to satisfy a minimum hourly requirement set forth by The Commission. It
is intended to educate the first time home buyer If you meet certain income requirements you may qualify for the state’s down
payment assistance program or the $60,000 MCC government tax credit program.
What do we do about lunch?
We strongly recommend that you bring a sack lunch. Lunch breaks are usually no longer than 20 to 30 minutes. While
some locations do have local restaurants and fast food places close by, many do not.
These classes are held in many different locations including public facilities such as libraries, community centers, and
fire stations. In all cases, room temperatures and comfort levels vary per location. You may feel that is it is a little too warm or
a little too chilly, so please come prepared.
What is your cancellation policy?
Unfortunately, for some people, when something is FREE, it has absolutely no value. As a result, there have been some
people who have abused the enrolment system by canceling and rescheduling a number of times. This causes unnecessary
preparation for the instructors and leaves a vacant seat that could've been occupied by someone else. As a result, we have
instituted a policy that will not allow for the rescheduling of a class if the student fails to notify us at least 1 day prior to the
class. If you can't make it, please give our seminar coordinator the courtesy of a phone call or e-mail. Thank you.
What if a class is rescheduled?
Occasionally there are circumstances that will cause a seminar to be rescheduled. Illness, weather, power outages and
other unexpected emergencies can occur and cause a seminar to be canceled. When this happens, we use the "contact
information" that you provided when you registered, to notify you of the cancellation. The vast majority of time we are able to
notify all of our enrollees in a timely manner. However, if you have provided inaccurate information when you registered, you
could find yourself arriving at an empty classroom. Please check your registration contact information for accuracy.