Homebuyer Education


Howard County Housing, in partnership with Making Change, has designed an initiative to promote successful homeownership in Howard County, Maryland. Educational workshops and one-on-one counseling will be offered on a monthly basis to households purchasing a home in Howard County, and/or participating in Howard County Housing’s (HCH) homeownership and rental programs, including, but not limited to, the Settlement Downpayment Loan Program (SDLP) and Moderate Income Housing Unit (MIHU) program. Making Change's workshop curriculum is derived from guidelines established by the National Industry Standards for Homeownership and Counseling. Individuals and families interested in purchasing a home in Howard County are invited to attend.


Monthly Homebuyer Education Workshop 

The Howard County homebuyer education classes presented by Making Change, Inc. follow HUD certification guidelines.  In meeting HUD requirements, the classes will consist of a 6 hour group workshop and 2 hours of one-on-one counseling for a total of 8 hours.  The group workshops will be held one Saturday each month.  The 2 hour one-on-one counseling sessions will be scheduled with Making Change, Inc. after attendance of the Saturday class.  Registration is required to attend a workshop.  Each person attending must be registered



The monthly 6-hour homebuyer education workshop will be presented at 9820 Patuxent Woods Drive, Columbia, MD 21046Please use the main entrance, where the Security Guard will direct you to the classroom. The workshop’s curriculum focuses on the following five areas: assessing home readiness, budgeting and credit usage, financing a home, selecting a house, and maintaining a home and post-purchase finances. 

Interested participants can register by e-mail using this link:  homebuyerclass@howardcountymd.gov




Class Day: Saturday

Class Time: 9:00 am – 3:00 pm

No admittance to class after 9:15 am

January 12, 2019

July 13, 2019

February 9, 2019

August 10, 2019

March 9, 2019           

September 14, 2019

April 13, 2019

October 5, 2019 ***

May 11, 2019

November 9, 2019

June 1, 2019    

December 14, 2019

           ***  New date for this class only

Click here for things to know about the workshop.

One-on-One Counseling Required for Workshop Attendees

All Homebuyer Education Workshop Attendees are required to complete a 2-hour, one-on-one counseling session with a Making Change credit counselor. Attendees will receive a certificate of completion after they attend both the workshop and receive one-on-one counseling. Appointments are available over the phone or in-person, at a time convenient for the attendee. During the session, the counselors will assess each individual’s financial situation, set up a budget, and develop personalized action plans for long- and short-term financial goals, including homeownership and credit improvement.

Completion of the workshop course, including the one-on-one counseling session, complies with the counseling requirements for the Maryland Mortgage Program (MMP) and the Moderate Income Housing Unit (MIHU) program.

Certificates are issued after completion of the homebuyer workshop and the consultation. Please note that Howard County’s certificate is not valid in Anne Arundel County, Baltimore County, Harford County or Baltimore City. If you are planning on purchasing in one of those counties, please access the Maryland Mortgage Program website at www.mmp.maryland.gov to locate the appropriate counseling agency.