Homebuyer Education

As of July 29, 2018, all applicants for APCHA ownership properties will be required to take an APCHA-approved Homebuyer education course and will need to provide a certificate of completion with their qualification packet. Households who need to re-qualify will also need to complete a Homebuyer Education Course if they had not previously and regardless of whether they currently own. Bids will not be accepted if your packet has been expired and you haven’t taken the class yet. Most classes are 4-5 hours long. 


The courses that are approved by APCHA include three Housing and Urban Development (HUD)-approved courses offered by Framework, CHFA, and DHA. CHFA now offers a Homebuyer education class in Spanish. APCHA requires only one certificate of completion for the household.


***Because of extenuating circumstances CHFA will be temporarily allocating funds to cover the cost of the Homebuyer education courses for only CHFA/DHA provided classes.***

There is a $75 fee for the Framework course. The CHFA course costs $99 for the first applicant, $50 for a 2nd applicant; if the applicant chooses to take the course in person (normally held in Grand Junction), the course is free. The DHA is $99 dollar for primary borrowers and $49 for co-borrowers, the online interactive class is free. Applicants need to sign up in advance for the in-person course and which usually has a two-month wait list.

HUD-approved course

Many lenders also require their buyers to take a HUD-approved course as part of their lending approval. Therefore, check with your lender first, to learn what courses may be required.