Do you wonder if you would be better off buying rather than renting a home? Do you wish you could build up equity in a home? Do you ever wonder how expensive of a home you can realistically afford?

If you dream of owning your own home, attend our seminar and you will learn the steps required to purchase a home, including how to qualify for first-time homebuyer benefits and programs. Learn how to access various city, county and state programs to cover most of the costs you will be faced with to purchase your first home. Potential homebuyers are provided with valuable instruction on all important pre-purchase decisions and how to qualify for a home loan in this informative, interactive workshop. Participants also learn:

• What to expect throughout the loan process;
• How their credit scores will affect their mortgage interest rates and fees;
• The meaning of common real estate terms;
• How to avoid delinquency situations; and
• How to recognize the signs of potential predatory lending practices.

By completing the course, you will earn a Housing Workshop Certificate which may enable you to get financial down payment assistance from cities or lenders in your area.

ByDesign™ is a HUD-approved housing counseling agency.