100% Free · Self-Paced · Built for Kentucky · Updated 2026
The First-Time
Homebuyer Bootcamp
From renter to homeowner in Kentucky — a straight-talking, step-by-step bootcamp for first-time buyers in Elizabethtown and Hardin County. Six modules covering everything from credit scores to closing day. No jargon. No assumptions. Completely free.
The biggest obstacle most first-time buyers face is not money or credit — it is not knowing what they do not know. This bootcamp closes that gap. You will finish it knowing exactly how much you need, which programs you qualify for, what the home search actually looks like, and what happens at a Kentucky closing. You will walk into the process with the confidence of someone who has done it before.
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Why This Course Exists
Built for this market, not a generic template
Kentucky Down Payment Programs
The Kentucky Housing Corporation provides up to $10,000 in down payment assistance for qualifying first-time buyers in Hardin County — and most buyers who qualify never know it exists. Module 2 covers KHC eligibility, income limits, and how to access the program.
Real Elizabethtown Price Ranges
Not hypothetical examples. This course uses real 2026 Elizabethtown price ranges, real Hardin County closing cost estimates, and real KHC income and purchase price limits. You will know exactly what your budget buys here.
The Starter Home Strategy
Your first home does not need to be your forever home. Module 3 explains the starter home strategy — how to buy a first home that builds equity, positions you to upgrade, and does not price you out of the market while you wait for the perfect property.
Kentucky Attorney Closings Explained
Kentucky requires a licensed attorney at every closing — something most national resources never mention. Module 5 explains exactly what this means, what you sign, and how to read your Closing Disclosure before you sit down at the table.
Course Curriculum
6 modules. Everything you need.
Each lesson is written text you can read at your own pace. Mark lessons complete as you go and track your progress through the full course.
Is Buying Right for You Right Now?
The honest rent vs. buy decision for Hardin County, how much money you actually need to buy in Elizabethtown, credit score basics and how to improve fast, and your first-time buyer readiness checklist.
4 lessons
First-Time Buyer Programs in Kentucky
The Kentucky Housing Corporation down payment assistance program, FHA loans for first-time buyers, USDA zero-down loans for qualifying Hardin County properties, and how to combine programs for maximum benefit.
4 lessons
Finding Your First Home in Elizabethtown
What first-time buyers get wrong about the home search, which Elizabethtown neighborhoods work for first-time budgets, the starter home strategy, and red flags every first-time buyer should know before they tour.
4 lessons
Making Your First Offer
How to make a competitive offer as a first-time buyer, the contingencies that protect you in Kentucky, earnest money strategy, and what happens after your offer is accepted.
4 lessons
Inspections, Appraisals, and Closing
Your home inspection — what to do and what to ask, the appraisal process, first-time buyer closing costs in Kentucky, and what closing day actually looks like.
4 lessons
Life as a New Kentucky Homeowner
Setting up utilities in Elizabethtown, how to budget for maintenance in your first year, how to build equity faster, and when to refinance vs. stay put.
4 lessons
Who This Course Is For
Built for you
Never owned a home? This bootcamp starts at zero and walks you through every step — no jargon, no assumptions about what you already know.
Tired of paying your landlord's mortgage? Learn exactly what it takes to own in Elizabethtown and whether now is the right time.
Just starting your career and ready to build wealth through homeownership? Start here before you sign your next lease.
Growing your family and need more space? Learn how to buy your first home before the next lease renewal forces the issue.
Free Tools Alongside This Course
Run your numbers while you learn
Frequently Asked Questions
Everything you want to know before you start
About Your Instructor
Rhoman James
Rhoman James is a real estate professional based in Elizabethtown, Kentucky, serving buyers and sellers throughout Hardin County. The First-Time Homebuyer Bootcamp was built for the buyers who are ready to own but do not know where to start — and who deserve a clear, honest, Kentucky-specific roadmap rather than generic national content that does not reflect how real estate actually works here. When you finish this bootcamp and are ready to start your home search, a free consultation is available with no obligation.
Ready to stop renting and
own your first Kentucky home?
Free. Self-paced. Built specifically for Kentucky. Start in the next two minutes.