The Federal Housing Administration (FHA) has announced that under the HAWK program, borrowers who take housing counseling courses before signing the contract to buy a home and again before closing, could earn discounts on their upfront mortgage insurance cost as well as a reduction in their annual premium. Additional discounts would also be earned after two years without delinquent payments.
The idea behind the HAWK program is that the more borrowers understand about homeownership, the less likely they are to make decisions that could lead to defaulting on their loans.
If you are planning on buying a new home in Oceanside, the $10,000 discount over the life of your mortgage may not seem like a lot but could actually mean the difference between qualifying and not qualifying for your home loan.
Here's a housing market update for Carlsbad for 2016 in the video belo
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