Understand Homebuying Before the Big Decisions Begin.
From credit and down payments to pre-approval, finding a home and getting to closing, we’ll break down the homebuying process into information that’s easier to understand and actually useful.
Get a Clearer Picture of Where You Stand Financially.
One of the best things you can do before looking at homes is understand the financial pieces that can affect your ability to qualify and what buying a home may look like for you.
Credit
Learn why your credit profile matters, what lenders may review, and why a lower score does not always mean homeownership is out of reach forever.
Income & Employment
Understand why lenders review income and employment and how those pieces can help determine what financing may be available.
Monthly Debt
See how existing monthly obligations can affect qualification and why your full financial picture matters.
Savings
Learn why available funds matter and how savings can relate to down payments, closing costs and other expenses.
Down Payment
Understand that buying a home does not always require the same down payment amount and that different options may have different requirements.
Affordability
Learn how income, debts, available funds and housing expenses can work together when determining a comfortable homebuying range.
Don’t Start With the House. Start With the Numbers.
Understanding your financial starting point can make the rest of the homebuying process easier to navigate and help you shop with a clearer idea of what may be realistic.
Learn at a Free Seminar →Understand Your Options Before You Start Making Offers.
Home financing can feel complicated at first. We’ll help explain the basics so you understand what pre-approval means, what lenders may review, and why different buyers may have different financing options.
What Pre-Approval Means
Learn why pre-approval can be an important step before shopping and what information may be reviewed during the process.
What You May Need
Get familiar with the types of financial information and documentation that may be requested when applying for home financing.
Loan Options
Understand that home loans are not one-size-fits-all and that different programs may have different qualification and down payment requirements.
Rate & Payment Basics
Learn how interest rates, loan amount, taxes, insurance and other costs can affect the monthly payment you may ultimately have.
Cash to Close
See how down payments, closing costs and other expenses can come together when determining how much money may be needed at closing.
Know Your Buying Range
A clearer understanding of financing can help you begin your home search with a more realistic idea of what may fit your situation.
You Just Need to Understand What Questions to Ask.
The seminar is designed to give you a clearer foundation so conversations about financing, qualification and pre-approval make more sense when you’re ready.
Reserve My Seat →Learn What Happens After You’re Ready to Start Shopping.
Once you’re financially prepared, the process shifts from getting ready to actually finding a home, making an offer and working your way toward the closing table.
Finding the Right Home
Understand how your budget, financing and priorities can help guide the type of home you begin searching for.
Working With a Realtor
Learn how a real estate professional can help with home searches, showings, offers, negotiations and the buying process.
Making an Offer
Get a basic understanding of what happens when you decide on a home and submit an offer to the seller.
Inspection & Appraisal
Learn why inspections and appraisals can be important parts of the transaction after an offer is accepted.
Loan Processing
Understand that the financing process continues after pre-approval as documents, property information and loan details are reviewed.
Closing & Getting the Keys
Learn what happens near the end of the transaction and how the process moves from final approval to closing day and homeownership.
Buying a Home Is a Process. It Doesn’t Have to Be a Mystery.
Knowing what happens before, during and after you find a home can make each step feel more manageable when it’s your turn to go through the process.
Join a Free Seminar →Don’t Let Assumptions Stop You Before You Start.
A lot of future buyers assume they need perfect credit, a huge down payment or every answer figured out before they can even think about buying a home.
I Need Perfect Credit
Credit matters, but buying a home is not always limited to people with perfect credit. The seminar helps explain why your overall financial picture matters.
I Need 20% Down
Different financing options can have different down payment requirements. You’ll learn why there isn’t one single number that applies to every buyer.
I Should Wait Until I’m Completely Ready
Learning early can actually help you prepare. You don’t need to be buying next month to benefit from understanding what the process may require.
I Should Find a House First
Understanding your budget and financing before you fall in love with a home can help make the search more focused and realistic.
I Need to Understand Mortgages First
You don’t need to know the terminology before attending. That’s exactly what the seminar is there to help explain.
I’m Probably Not Ready Anyway
Maybe you’re ready now and maybe you’re not. Either way, understanding where you stand can help you know what steps may come next.
The Best Way to Know Where You Stand Is to Learn.
The seminar gives you a chance to replace assumptions with useful information and get a clearer picture of what homeownership may look like for you.
Reserve My Seat →You Don’t Need All the Answers. That’s Why We’re Having the Seminar.
Spend about 45 minutes learning how homebuying works, what can affect your ability to qualify, what happens when you’re ready to start shopping, and the steps that can eventually lead to getting your house keys.