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Community Education Programs in Central Florida

Staff and Volunteers
Our staff and volunteers are committed to fulfilling the mission and vision of Brick and Mortar Community Service Organization. We serve our community by providing comprehensive group sessions and individual counseling services to those working to improve their knowledge and quality of life.
Group Sessions
Group sessions cover a broad range of topics that affect their individual living situations within their community.  Groups review topics relating to financial literacy, the aspects of rent vs. own, and various responsibilities of purchasing and maintaining a home.
One On One Counseling
One-on-one counseling sessions are personalized and tailored to the individual or family’s needs as it relates to their knowledge and ability to improve their financial and living situation.
Financial Literacy
Financial Wellness Education Staff and volunteers assist individuals and families by offering financial literacy courses that are designed to boost the skills and knowledge of residents, so they may better understand their financial standing and make better informed and effective financial decisions.
Pre-Purchase Education

Pre-purchase Education

Counselors provide information and guidance designed to better prepare individuals and families for the responsibilities of homeownership. Our counselors explain the home buying process and financial aspects associated with purchasing a home. We encourage financial planning and money management, while also highlighting home maintenance and repair issues associated with your home. The Pre-purchase program is designed for current renters and potential homebuyers.
Post-Purchase Education

Post-purchase Education

Counselors provide information and guidance to assist individuals and families in successfully fulfilling the responsibilities of homeownership. We teach our clients how to prepare for home maintenance and repair issues and encourage financial planning and money management. Our counselors are experts in explaining ways to avoid default and foreclosure through crisis intervention techniques that may arise when homeowners experience difficulties in meeting their mortgage obligations. Post-purchase content is delivered to homeowners after they purchase their homes.
Class / Education Outlines

Pre-Purchase


Components of Home Purchase Process Counseling

Credit
- Understanding Your Credit Report
- Financial Literacy
- Taking Control of Your Spending

Professionals Involved in the Homebuying Process
- Real Estate Agent
- Real Estate Broker
- Realtor
- The Law of Agency
- Mortgage Professionals
- Loan Originator, Loan Processor, Mortgage Broker, and Loan Underwriter
- Mortgage Insurer
- Loan Servicer
- Secondary Marker Investors
- Home Inspector
- Appraiser
- Attorney
- Escrow Officer
- Title Insurance Company
- Surveyor
- Property Insurance Agent

Steps in the Homebuying Process
- Preparation for Homeownership
- Affordability Determination
- Loan Pre-approval
- Decisions about Housing Wants vs. Needs
- Shopping for your Home
- The Offer
- Professional Home Inspection
- Mortgage Loan Application
- Insurance
- The Closing

Different Ways to Own a Home
- Sole Ownership
- Co-Ownership- Joint Tenancy, Community Property, Joint Tenancy, and Tenancy of the Entireties.

Homebuyer Certificate Course
- Understanding Your Credit Report
- More Financial Literacy
- How Will Your Home Purchase Affect Your Credit?
- 8-hour Class
- Required for Certain Types of Mortgage Loans.

Post-Purchase


Post-Purchase Education
Post-purchase education is just as important as Pre-Purchase education.  New homeowners learn how to access information that is needed to maintain and sustain their home over time, including financial literacy and the impact of their mortgage.

The Benefits of Homeownership
- Rent vs. Own
- Home Maintenance
- How to Control Utility Costs

Money Matters
- The Importance of Financial Management
- Protecting Your Financial Investment
- Understanding Your New Relationships and Responsibilities regarding,
- The Bank or Mortgage Company
- The IRS and State Taxing Authorities
- The Insurance Company
- Homeowner Association (HOA)
- Loan Servicing Agency

Maintaining & Improving Your Home
- The Property Inspection Report
- Signed Loan & Closing Documents
- Insurance Policy
- P.I.T.Y. and Beyond
- Home Maintenance Program Levels
- Preventive Maintenance
- Repair & Home Improvements

Community Involvement
- Why Should You Get Involved in Your Community Post-Purchase?
- The Benefits and Correlation Between Your Participation in Your Community’s Development and Your Home Value
- Can Your Quality of Living Effect Your Home’s Market Value?
Homeownership Education Kissimmee
Financial Literacy Classes in Kissimmee
Our Mission
Brick and Mortar Community Service Organization seeks to provide financial wellness education and housing counseling to improve the quality of life for low to moderate income families and individuals.
Kissimmee Real Estate Assistance
Our Vision
To support and educate the public so that they may learn how to understand and control their finances, and so they may learn how to manage and maintain stable housing.
Real Estate Classes in Kissimmee
Areas We Serve
All Across Central Florida, Including: Kissimmee, Orlando, Poinciana, Saint Cloud, Celebration, Maitland, Altamonte Springs, Lake Mary, Winter Park, Winter Haven, Casselberry, Oviedo, Davenport, Haines City, Lakeland, Clermont, Polk City, Orange County, Polk County, Osceola County...
Helping Central Florida Families Grow with Healthy & Stable Finance Education & Housing Programs.
US Department Of Housing And Urban Development
National Industry Standards
Florida House Coalition
Kissimmee Chamber Of Commerce
NCRC
The Lion Foundation CFL
Institute Of Real Estate World Consultants
Realtor
Equal Housing Opportunity
PayPal
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