Upon completion of the eHome course, prospective first-time homebuyers are required to meet with one of our HUD-Certified Housing Counselors to receive their certificate (if they're working toward a CALHFA loan). This certificate is typically required by lenders and other assistance programs. If the prospective first-time homebuyer does not have a CALHFA loan, please give us a call so we can issue you a certificate without an appointment.