Home Finance Resource (HFR)

Help aspiring homeowners navigate the complicated process of home financing.

How To Earn an HFR Certification

Follow the steps below to earn an HFR certification.

Step 1 - Complete the one-day Home Finance Resource course at Champions School of Real Estate
Step 2 - Submit the one-time credentialing fee of $89
Step 3 - Remain in good standing with the National Association of REALTORS® (NAR)

For more information about the Home Finance Resource certification, visit the HFR page on NAR's website.

Enroll Today!

The 8-hour Home Finance Resource course satisfies the course requirements for the HFR certification.

Home Finance Resource

Certification Course 8 CE Credit Hours (TREC)

Help aspiring homeowners navigate the complicated process of home financing.

Learn how to:

  • Lead buyers through loan prequalification, preapproval, and financing processes
  • Implement Fair Housing practices and the NAR Code of Ethics
  • Communicate market conditions to buyers
  • Explain the different types of mortgage products, processes, and application requirements
  • Help buyers with low credit scores secure financing
Textbooks / PDFs included TREC Provider #0005 TREC Course #43998

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Complete ABR Designation Program

The Complete ABR Designation Program includes the required 15-hour Accredited Buyer’s Representative course and your choice of an approved 8-hour elective course. Together, these two courses will satisfy the education requirement of the ABR Designation.

Please note that some courses that satisfy the elective requirements of the ABR designation are not listed below (or included with the program) because they exceed 8 credit hours. These courses are indicated as ABR electives on their respective pages.

Complete ABR Designation Program

SAVE $20

Courses included:

  • Accredited Buyer’s Representative course (15 hours)
  • One 8-hour elective of choice:
    • Home Finance Resource course
    • New Home Construction and Buyer Representation course
    • Military Relocation Professional course
    • Pricing Strategies: Mastering the CMA (PSA) course
    • Marketing Strategy & Lead Generation course

    There are other courses that satisfy the ABR elective requirement, but they are longer than 8 hours and thus not included with this program.

Additional details:

  • FREE books/PDFs included
  • 23 CE credit hours (TREC)

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Learn more about our delivery method options!


In this method, students must attend all hours in person. This method provides real estate classes that allow students to interact with instructors and peers. This method is beneficial for students who want to study alongside classmates. Students who thrive in conventional school environments will enjoy this method. Course exams are administered on the last day.

Virtual Classroom

Our ChampionsLive!™ virtual classrooms allow students to attend live classes remotely. In this format, classes will be live streamed via Zoom and students will be required to attend on set dates. This delivery method gives you the chance to ask questions and interact with instructors in real time. Each course has instructional assistants that answer questions during the lecture.

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