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Note to the teacher:
When classroom conditions allow it, the students themselves can drive the lesson. This activity is designed to help students begin their own research on homeownership.

During the first couple of classes write down some of the questions students have regarding homeownership. Match the questions with resources you are familiar with, such as homeownership counselors in your area, the local newspaper, Web sites, and pamphlets. Hand out the questions with the matching resource and inform students that they will be doing research to find answers to some of the questions they have asked. Share with them some of the examples below. When they return to the classroom, have them share their questions and answers with the rest of the class.

 

 

Tools for Teachers

Activity: Learning through Inquiry


1. Question: Does homeowners insurance cover floods, fires, earthquakes, and other disasters?

Assignment: Read a section about homeowners insurance and report back to class.

Student’s response: Pasqual took this assignment on with gusto and came back with ideas for the rest of the class about the responsibilities of owning rental property. His ability to read English was much more advanced than his ability to speak English, so this assignment was an opportunity for him to show off a bit.

2. Question: Where can I buy an affordable home?

Assignment: Read the real estate section of your local Sunday newspaper and compare the prices of homes in different areas. Use a map.

Student’s response: Hugo looked over ads from a range of high- to moderate-income towns outside of Boston. He demonstrated his knack for deciphering abbreviations and showed everyone the locations of the homes on a map he brought to class.

3. Question: What do you learn in first-time homeownership classes?

Assignment: Call the Boston Home Center and ask about the content of the course and dates and times for the next series of home-buying classes in East Boston and Chelsea. Report back to class.

Student’s response: José made the initial call and left his name and address on the Boston Home Center’s answering machine. Unfortunately, the Boston Home Center did not get back to him before the class ended, but I provided information on upcoming courses in East Boston, where José and his family live.

Reflection: Teacher’s Reflection about the Inquiry Challenge

One evening, José brought to class fliers advertising very inexpensive foreclosed property up for auction. He wanted to show us that it was possible to buy a house for as little as $30,000 or less. When I saw these fliers, my inquiry-based teaching style and Socratic ideals flew out the window. I stated emphatically that you cannot trust auctions because hidden costs often accompany such ventures: second mortgages, liens, etc. I didn’t rant but I lectured him, which was probably worse. A few days later, I witnessed a much better approach to the hot topic of auctions. After our speaker from the Cambridge Community Development Center introduced herself, José pulled out another flier announcing auctions and foreclosed property and said, “Look at all the homes you can buy cheap.” Instead of responding with warnings and cautions the way I had, the speaker quietly asked, “Why should you buy something you know nothing about?” This question made José stop and think. She suggested that he investigate any property by calling the appraiser first. Her style was not to zealously discourage him but to inform him of the realistic consequences of buying auctioned property.

José, like the other students, was deeply engaged by the issues and conflicts of homeownership. Even though I was worried that he would be taken in by an auction, I was delighted that he pursued the topic with thoughtful questions and reasoned arguments.

I admire the tenacity and persistence of all three students in learning about such a complex topic. I am confident that in a few years, or when they are ready, they will make good decisions about home buying. The course helped them, I believe, to know where they can go for assistance in home buying and to understand the home-buying process in more detail.

 

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