Homebuyer Education

THDA Homebuyer Education Course

THDA recognizes the importance of homebuyer education and requires all homebuyers to complete a homebuyer education course. An independent study of THDA home loans shows that this course reduces the odds of foreclosure by 42%. It is best to sign up for the course as early in the homebuying process as possible, and we strongly encourage you to complete the class at least four weeks before your closing date.

You can meet the homebuyer education requirement by completing courses online or by attending a classroom-style course through an approved THDA Homebuyer Education counseling agency.


Homebuyer Education & Counseling

Homebuyer Education Course Calendar

Click here to find a homebuyer education course.

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THDA Approved Counseling Agencies

Click here for a list of THDA approved housing counseling agencies.

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HUD Approved Counseling Agencies

Click here for a list of THDA approved housing counseling agencies.

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Homebuyer Education – Certificate of Completion

Upon the completion of your homebuyer education course, you will receive a certificate of completion. The certificate is valid for 12 months and a copy should be provided to your loan officer to be submitted with the loan application.

For online courses, a follow-up session with an approved Housing Counselor (from the agency you registered with) must also be completed. A certificate of completion will be provided after the completion of both the online course and the required follow-up session.

Please note: Certificates expire after 12 months and the course must be retaken after that period. THDA does not issue refunds. We believe that the education will be beneficial regardless of the loan product you choose.


Step In Program

Step In Program

The State of Tennessee Employment Partnership Initiative (STEP IN) allows employees of participating corporations* to receive a discount for the online Homebuyer Education course. Eligible participants may enroll in the class for $30 instead of the regular price of $100.


Participating Employers:
  • State of Tennessee (Government Agencies & Departments)

  • Tennessee Higher Education Initiative (THEI)

  • Allied Dispatch Solutions

  • Catalyst Health Solutions

  • Design Team Sign Company

  • Del Conca

  • Engstrom Services- Chattanooga and Memphis

  • Mid-South Maintenance

Click to find out more about STEP In.