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 and Counseling set by HUD or the National Industry Standards for Homeownership Education and Counseling</li>
</ul>
Lenders must retain a copy of the certificate of course or counseling completion in the loan file.