Home Finance Resource (HFR)

The Home Finance Resource certification is a specialized credential awarded by the National Association of REALTORS®. In the required 8-hour course, you will 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; and help homebuyers with low credit scores secure financing. This highly-specialized certification sets you apart from other buyer’s agents and indicates your expertise in 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 #43988

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Important Information

Important Information Related to Home Finance Resource Course:

For Non-Texas Licensees: If you are hoping to earn Continuing Education (CE) credit for a Designation / Certification course, please contact the agency that handles licensing in your state to verify whether or not the course in question is eligible.


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 $250

Courses included:

  • Accredited Buyer’s Representative course (15 hours)
    • Receive 15-hours of TREC CE Credit for additional $50
  • 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 PDFs included
  • Physical ABR Textbook available for additional $30
  • 8 - 23 CE credit hours (TREC)

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Learn more about our delivery method options!


Students who thrive on conventional, live instruction will enjoy this method! Unlike blended classroom courses, these require in-person attendance, at a Champions campus, for all course hours.

Virtual Classroom

Attend live classes from the comfort of your home! Our ChampionsLive virtual classrooms are perfect for students who prefer at-home learning, but also want live instruction.

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