Online Classes

Online Homebuyer Education

To start the process of being prepared for homeownership and participate in the homeownership education online course, prospective homebuyers can access the online learning at or contact CHC at (904) 355-2837.

CHC Intake Forms – PDF documents

Our Mission

To improve the quality of life and economic opportunities of low to moderate income individuals and families through development, management and preservation of affordable housing; by promoting neighborhood based education, economic development and advocating for social equality in our neighborhood and communities and maintaining their goals of homeownership.

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CHC is pleased to offer CreditSmart, a Freddie Mac curriculum designed to educate consumers about smart credit habits and helping consumers understand the importance of obtaining and maintaining good credit. We can empower consumers with the skills and information necessary to achieve homeownership and improve financial literacy.

  1. Your Credit and Why It Is Important
    One of the single most effective way to prepare consumers for homeownership is to educate them on the importance of using credit wisely. This module introduces credit, basic terminology, and the importance of building a better credit record.
  2. Managing Your Money
    Explains the importance of developing a spending plan and developing wise spending habits, and provides tips on how to save money.
  3. Goal Setting
    Describes the importance of setting goals to achieve financial objectives.
  4. Banking Services: An Important Step
    Provides information on the basics of banking and the importance of establishing a relationship with a financial institution to build credit, save money, and achieve goals.
  5. Establishing and Maintaining Good Credit
    Provides information on how to establish a credit presence and maintain a good credit history. The module also reviews the contents of a credit report, as well as the primary credit and consumer protection laws.
  6. Understanding Credit Scoring
    Describes credit scoring from a borrower’s perspective and illustrates how consumer behavior affects credit scores.
  7. Thinking Like a Lender
    Explains how lenders and other financial institutions determine creditworthiness and how it relates to credit scores.
  8. Avoiding Credit Traps
    Provides tips to avoid credit traps, identity theft, and predatory lending practices that can consume personal resources and severely damage credit histories.
  9. Restoring Your Credit
    Explains how to deal with credit difficulties and provides tips on how to restore impaired credit.
  10. Planning for Your Future
    Outlines the process to achieve goals and attain financial security.
  11. Becoming a Homeowner
    Provides practical information on how to prepare to obtain a mortgage and own a home.
  12. Preserving Homeownership: Protecting Your Home Investment
    This newest curriculum module contains a wealth of information on understanding home equity, maintaining and improving your home, preparing for emergencies, and recognizing scams. It also includes a comprehensive section on alternatives to foreclosure.