For Home Buyers with all the information no one will ever tell you, and most agents don’t even know.

Intro: Welcome to the start of your homebuying journey. This module lays the foundation for everything that comes next, helping you understand the process, what’s ahead, and how to prepare with confidence.

Learning Objectives:

• Understand the full homebuying timeline from start to finish
• Identify the key players involved in a purchase
• Recognize the importance of financial and emotional readiness
• Set realistic expectations for the journey ahead

Intro: In this module, you’ll discover what truly matters in finding the right home. Beyond features and square footage, you’ll learn how to prioritize your needs, spot red flags, and make smart choices about where and how you’ll live.

Learning Objectives:

• Differentiate between needs, wants, and nice-to-haves
• Evaluate neighborhoods, schools, and lifestyle factors
• Understand how location impacts long-term value
• Avoid common mistakes when choosing a home

Intro: Money matters. This module explains the costs of buying a home, from the down payment to closing costs, and helps you budget wisely so you can buy smart without stretching yourself too thin.

Learning Objectives:

• Identify all upfront and ongoing costs of homeownership
• Understand the role of earnest money, escrow, and reserves
• Explore loan options and assistance programs
• Build a realistic homebuying budget

Intro: Here, you’ll learn about the professionals who will guide you through the process. From agents and lenders to inspectors and escrow officers, knowing who does what will keep you in control and reduce stress.

Learning Objectives:

• Understand the role of real estate agents, lenders, inspectors, and title/escrow
• Learn how to choose the right professionals for your team
• Know what questions to ask at each stage
• Recognize when to lean on your team and when to make your own decisions

Intro: Making an offer is both an art and a science. In this module, you’ll learn how to write smart offers, understand seller motivation, and protect yourself with contingencies while still being competitive.

Learning Objectives:

• Break down the parts of an offer beyond just price
• Understand how seller psychology influences negotiations
• Learn the steps after submitting an offer
• Prepare for multiple-offer situations and bidding wars
• Know how contingencies protect you and how deadlines work

Intro: Once your offer is accepted, the real work begins. This module takes you through escrow, closing, walkthroughs, and possession — everything that happens after “under contract” until you get the keys.

Learning Objectives:

• Understand what “under contract” means and track deadlines
• Follow the escrow process from start to finish
• Prepare for closing day and avoid common mistakes
• Know how to handle last-minute surprises and delays
• Complete a final walkthrough and understand possession rules
• Learn what to do immediately after closing to protect your new home

Final Exam: Your Path to Certification

You’ve worked your way through all eight modules of the House Karma HomeStart 101 course — covering everything from budgeting and credit to offers, escrow, and closing. Now it’s time to bring it all together.

This final exam will test your knowledge across the entire course. A passing score of 80% or higher is required to earn your official House Karma Certificate of Completion — proof that you’ve mastered the essentials of smart, confident homebuying.

Tips before you begin:

• Take your time — there’s no rush, and steady progress beats guessing.
• Review your notes or revisit lessons if you feel unsure.
• Use Karmi, your AI study buddy, if you get stuck. Karmi can explain concepts, give examples, or point you back to the right module.
• Remember — this exam is here to help you confirm what you know and build confidence for the real-world buying process.

When you’re ready, click Start Quiz below. Good luck — you’ve got this, and Karmi is just a click away if you need backup!