top of page


In partnership with NeighborWorks Montana, Headwaters RC&D offers in-depth information on all aspects of homeownership through a series of classes held throughout Headwaters economic development region on a bi-monthly basis. This is a great program for new and experienced home buyers, and provides a great opportunity to become a more educated home buyer.

The first step to creating successful homeowners is education. Educated homeowners stay in their homes longer, take pride in their properties, and have one-third less foreclosures. Headwaters offers Homebuyer Education Classes, an 8 hour course covering all aspects of the home buying process.


Homebuyer Education Classes

Headwaters RC&D offers its Homebuyer Education class in Butte several times throughout the year. Classes are 8 hours total and are typically held for 4 hours a day over two days. The purpose of the class is to teach potential homeowners about the process of purchasing a home. This is a great program for both new and experienced home buyers and provides a good opportunity to become a more educated home buyer and homeowner. The class is taught by HUD certified homeownership educators and other professionals from the community who provide presentations on a range of homeownership topics including:

  • Choosing a lender and understanding loan products and terms

  • Working with a real estate agent who really grasps your needs and price range

  • Understanding the scope and value of home inspections

  • Evaluating your credit and using credit wisely

  • Budgeting for your household and determining affordability

  • Choosing insurance policies

  • Understanding the title insurance and closing process

  • Maintaining your home so it continues to be an appreciating asset


Registration and Payment


Registration: Advanced registration is required. If you have questions, please contact:

Kelly Sullivan


If you have special needs such as those covered by the Americans with Disabilities Act please let us know and we can make accommodations for you.










Online Education Options

You have two options for online homebuyer education: eHome America or Framework. While online education cannot replace the experience of an in-person class, both eHome America and Framework classes provide a comprehensive education on the homebuying journey.

In order to receive your homebuyer education class certificate of completion you will need to complete a one-on-one appointment with one of our HUD-certified housing counselors. This appointment can be done in person or over the phone and can generally be made to fit your schedule.

The content and topics are the same for both classes, but the delivery styles differ slightly. Feel free to choose the class that suits your learning style best. Both classes are HUD- certified, and both have adopted NeighborWorks America’s National Industry Standards.


eHome America

Click HERE to get started!

eHome is “more like an electronic textbook”, said one user. eHome has short videos that introduce concepts followed by text that further expand those concepts.

Class Costs $99


Click HERE to get started!

Framework is more like a storybook, following the homebuying journey of a prospective first-time homebuyer. Content is very interactive.

Class Costs $75


Headwaters RC&D offers individual counseling sessions to prepare first-time homebuyers for the many facets of the home buying process.

Pre-purchase counseling is offered to all consumers at any stage in the home buying process. Our trained and  nationally certified counselors will help you understand the lending process and provide information to assist you in making important decisions for financing your home.

Becoming a homeowner is an enormous undertaking and the financial responsibility extends beyond your new monthly mortgage payment. As part of your counseling session, your counselor will explain the full costs of homeownership and help you create a budget that balances your new obligations. Your counselor will also highlight available resources that may be useful in meeting your financial needs.

Our counseling sessions are tailored to meet the needs of each individual, and are completely confidential. 

Main topics include:

  • Budgeting

  • Credit Repair

  • Debt Reduction

  • Affordability Analysis

  • Step by Step Guidance through the Home-Buying Process


Homebuyer Education classes are funded in part by the Department of Housing and Urban Development, the Montana Board of Housing, Montana Department of Commerce, and NeighborWorks Montana.

bottom of page