C.H.A.P. (Community Housing Approval Program) home buyers course is packed with all the knowledge to educate consumers on the home buying process. We teach you how to get money back at closing from the seller. We assign you a personal agent to handle your file from start until you close on your home. We teach you how to ask for the lowest interest rates in a way the underwriters will eagerly work for your business . We educate you on the in's and out's of the entire home buying process to help you get approved. This includes the different type of loans such as FHA, VA and Conventional. The audio CD and handbook go hand in hand on educating you, to become a smart consumer when it comes to the home buying experience. Your CHAP course includes (1) Binder with pre-qualification forms, personalized Member ID card, which can be used to attend local Live classes and access to our 24/7 text support and customer service line for questions and help. Buy one for yourself and one for a friend. These make great gifts for anyone looking to educate themselves on the home buying industry.