About HFR

The Home Finance Resource (HFR) certification is presented by the Center for REALTOR® Development (CRD). CRD is devoted to lifelong learning, career advancement, and specialized credentials for real estate professionals.

With 10+ designations and certifications, over 100 microcourses, an award-winning podcast, and educational events, there is a learning experience for every real estate professional. CRD has educational offerings in nearly every real estate niche, from buyer representation to emerging technology and short sales. In addition, courses are offered online and in-person classroom formats for you to choose which style best fits your schedule.

The HFR certification distinguishes real estate professionals who have obtained additional education about mortgages & financing. This specialized knowledge provides a skillset for agents to better support their buyers through the homebuying process and help them avoid typical sticking points that can derail a transaction.



Confidently help buyers understand and navigate the loan prequalification, preapproval, and financing processes as they buy their home.


Understand how Fair Housing laws relate to financing

Learn how the Fair Housing Act (FHA) and the Equal Credit Opportunity Act (ECOA) work to provide equal opportunity for housing and fair, unbiased access to financing for all potential homebuyers.


Communicate market conditions to buyers

Describe the factors that contribute to today’s mortgage lending conditions, as well as reasons for optimism and caution.


Explain the different types of mortgage products

Understand the various types of mortgage products and the process and application requirements for each.


Help buyers with low credit scores find financing resources

Support your clients with low resources to address credit challenges, including exploring alternative financing options such as first-time homebuyer assistance or low down payment programs.

Member benefits

Use of HFR logo and name


Listing in the HFR directory & differentiation on nar.realtor and realtor.com®

Personalizable Marketing Materials & Press Release

Quarterly e-newsletter

Access to the HFR networking & referrals Facebook group

After the initial application fee of $89 is paid, there are no annual certification dues, although you must maintain membership in NAR to use HFR.