Required if all borrowers are first-time home buyers, at least one borrower must complete pre-purchase home buyer education and counseling.  The following courses listed are acceptable:
<ul>
 	<li>REI homebuyer education through eHome America.  Click on the following link to take the online course, the cost of which is $99: <a href="https://www.ehomeamerica.org/reiok">REI Homebuyer Education</a></li>
 	<li>Fannie Mae's FrameWork Homeownership Course, as applicable: <a href="https://educate.frameworkhomeownership.org/">FrameWork Homeownership Course</a></li>
 	<li>Freddie Mac's CreditSmart, as applicable: <a href="https://sf.freddiemac.com/working-with-us/creditsmart/overview">CreditSmart Homebuyer U</a></li>
 	<li>HUD approved counseling agency: <a href="https://apps.hud.gov/offices/hsg/sfh/hcc/hcs.cfm?webListAction=search&amp;searchstate=OK">Oklahoma HUD Approved Counseling Agencies</a></li>
 	<li>Homeownership education programs developed by mortgage insurance companies or other providers' programs that meet the standars for Homeownership Education</li>
</ul>