; understanding your credit report and resolving credit issues; other programs available to first time home buyers. The free two-hour night class is held semi-monthly at the public library...; and registration may be made by telephone. Home Buyer Education Course (View Schedule) Home ownership often involves many surprises - some welcome, some not. First-time home buyers can now... upon 1) sale, transfer, bankruptcy or foreclosure, 2) refinance of the first mortgage, 3) the borrower no longer occupies as primary residence or 4) maturity of first mortgage...