Free Homebuyer Workshop Series
Learn practical steps to become mortgage-ready, from credit and debt to down payment help and closing day.
What You'll Learn
Understand and Improve Your Credit
Reduce Debt and Improve Your Debt-to-Income Ratio
Explore Loan Options and Affordability
Build long-term stability through home ownership!
March 28, 2026
Credit, Debt & Getting Mortgage Ready
Understanding credit scores, debt-to-income ratios, and practical steps families can take to strengthen their mortgage eligibility.
Topics Covered
- How credit scores impact mortgage approval
- Understanding debt-to-income ratios (DTI)
- Common credit mistakes to avoid
- Strategies to improve credit before applying
- Financial habits that strengthen loan eligibility
May 23, 2026
Down Payment Assistance & First-Time Buyer Programs
Overview of CalHFA and local assistance programs, eligibility guidelines, and how first-time buyers can access available resources.
Topics Covered
- Overview of California down payment assistance programs
- CalHFA loan options and requirements
- Local grants and assistance opportunities
- Eligibility requirements and income limits
- How to begin the application process
July 25, 2026
Budgeting for Homeownership & Long-Term Affordability
Preparing financially for ownership, including escrow, property taxes, insurance, maintenance, and emergency planning.
Topics Covered
- True monthly costs of owning a home
- Property taxes, insurance, and escrow accounts
- Planning for repairs and maintenance
- Building emergency savings
- Avoiding becoming financially stretched
August 22, 2026
The Mortgage Process: From Pre-Approval to Closing
Documentation requirements, underwriting timelines, appraisal considerations, and common pitfalls to avoid.
Topics Covered
- Pre-approval vs pre-qualification
- Documents lenders typically require
- Understanding underwriting and appraisals
- The escrow timeline and what to expect
- Common mistakes that delay closings
September 26, 2026
Building Generational Wealth Through Homeownership
The long-term financial impact of ownership, equity building, refinancing basics, and sustainable wealth strategies.
Topics Covered
- How equity builds over time
- Long-term financial benefits of homeownership
- Refinancing basics and when it makes sense
- Protecting your investment
- Creating financial stability for future generations
October 4, 2026
Preparing to Compete in Today's Housing Market
Understanding interest rates, making competitive offers, negotiation basics, and avoiding predatory lending practices.
Topics Covered
- Understanding interest rates and affordability
- How buyers can prepare for competitive markets
- Writing strong offers and negotiation basics
- Avoiding risky loan products and predatory practices
- Smart strategies for navigating today’s housing market