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<br />e <br /> <br /> <br />SETH also covers post-closing subjects such as on-going maintenance of a <br />home, reserve accounts and what to do if a' homebuyer experiences <br />circumstances which may prevent them from making their monthly payment <br /> <br />. <br /> <br />Classes are taught by a certified instructor and cover such issues as qualifying <br />for a home loan, how to find a Realtor or builder, how to negotiate an earnest <br />money contract, what is needed at closing, referrals for credit counseling, <br />budgeting, and many other topics that families need to consider and <br />understand before purchasing a home <br /> <br />e' <br /> <br />------------------- <br /> <br />. <br /> <br />Homebuyer Education <br /> <br />. <br /> <br />SETH has developed a homebuyer education program <br />homebuyers in the process of purchasing a home <br /> <br />that assists potentia <br />