Course Description






Your journey to homeownership begins here

The question on everyone's mind...."How DO I buy a home? My credit isn't good... Where do I start?"

If you're seriously tired of renting and would like to get on the fast track to owning your own home, now is the time to invest in yourself.

In this course, I'm going to walk you right through the steps of obtaining a copy of your credit report and cleaning up any outdated information that is bringing your credit score down. I will give you the resources to apply for and establish good credit, Help you apply for a mortgage, hire a realtor, review the important aspects of what you need to know about contracts, important deadlines, closings, and owning a home.

When you finish this course with me, our goal will be for you to know exactly how to apply for a mortgage and get APPROVED. If you need help repairing your credit score, please visit our DIY Credit Repair course!



Included in this course:

  • Written step by step instructions for mortgage application.
  • Accompanying audio presentations
  • Sample letters/forms for mortgage applications and contracts
  • Downloadable PDFs
  • Useful links to resources and information
  • Support for your questions




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Licensed Real Estate Broker

Julie Cvercko

My name is Julie Cvercko and I will be guiding you through our credit repair course. This course we’ve prepared for you is a step-by-step guide to cleaning up your credit history and improving your credit score. Many people have less than perfect credit scores but don't know how to improve them. Even worse, many more people have no idea whether they have good credit or bad credit. We’re here to help you learn everything you need to know to raise your credit score!I was a licensed mortgage broker for 14 years and I helped hundreds of people improve their credit scores in order to purchase a home or automobile. This course includes written instructions, accompanying video/audio presentations, links to information, sample letters, forms, and PDF downloads delivered to you in a clear and easy to read format. We are confident that the information we’ve provided will be beneficial and crucial for anyone who is interested in raising their credit score.

Course curriculum

  • 1

    Florida Down Payment Assistance Programs

    • Florida Bond Program and Other Loan Programs

    • Florida Down Payment Assistance Programs (14)
  • 2

    DIY Credit Repair

    • audio

    • Cleaning up your credit history

    • Credit Report Review Checklist

    • Task One: Obtain a copy of your credit report

    • List Of Consumer Reporting Companies

    • Multiple Inquiry Removal Letter

    • Templates of Credit Rebuilding Letters

    • Pay For Delete Letter

    • Sample Goodwill Letter

    • Which Credit Agency Does Each Bank Or Lender Use

    • When to Add a Security Freeze

    • HIPAA Validation Request
  • 3

    Rebuilding Good Credit

    • Rebuilding Your Credit

    • The Best and Worst Secured Credit Cards

    • Why You Should Join a Self-Lender
  • 4

    Establishing a Budget and Your Debt to Income Ratio

    • audio

    • Establishing a Budget
  • 5

    Gathering Documentation for Your Lender

    • audio

    • Gathering Documentation for Your Lender
  • 6

    How to Complete a Mortgage Application

    • audio

    • Mortgage Application Walkthrough

    • Uniform Mortgage Application
  • 7

    Hiring a Realtor

    • audio

    • Shopping with a Realtor

    • Home Shopping Checklist
  • 8

    Knowing the In's and Out's of the Contract

    • audio

    • Contracts

    • AS IS contract - FLORIDA

    • Seller's Property Disclosure - Residential - FLORIDA

    • Sample of 4 point inspection report

    • Lead Based Paint Pamphlet
  • 9

    What to Expect at Closing

    • audio

    • What to Expect at Closing
  • 10

    Owning a Home

    • audio

    • Owning a Home - Tips, Warranties, and Equity