Second Chances, First Homes: A First-Time Homebuyer Seminar

Welcome to the 2nd Chance First Time Home Buyer Seminar!

Join us at United Real Estate Gallery Office for an informative event designed to help you navigate the home buying process with confidence.

Our experts will cover everything from understanding mortgages to negotiating offers, so you can make informed decisions when purchasing your dream home.

Why Attend?This seminar is designed specifically for returning citizens ready to move forward, build stability, and invest in their future through homeownership.

Who This Seminar Is For:✔ Returning citizens released at least 2 years✔ Employed for 2+ years✔ Credit score 580 or higher

What You’ll Learn:🔑 How to qualify for first-time homebuyer programs🔑 Building credit & preparing for pre-approval🔑 Down payment assistance & grants available🔑 Steps from renting to owning your first home

Hosted by:Tunishia Davis-Beaman, Realtor

United Real Estate Gallery

904.445.0991

Info: 1. Welcome & Introductions (10 minutes)
Host introduction
Overview of the seminar’s purpose
Quick icebreaker (optional)

2. Understanding the Homebuying Process (15 minutes)
Steps to purchasing a home (from pre-approval to closing)
Timeline expectations
Key professionals involved (realtor, lender, inspector, title company, etc.)
3. Financing Your First Home (20 minutes)
Loan options (FHA, VA, Conventional, USDA)
Credit requirements & down payment assistance programs
How lenders evaluate buyers (income, credit, debt-to-income ratio)
Special programs for first-time buyers

4. Budgeting & Credit Building (15 minutes)
Setting a realistic budget
Improving your credit score
Saving for down payment & closing costs
Common financial mistakes to avoid
5. Working with a Realtor (10 minutes)
Benefits of buyer representation
How to choose the right home
Negotiation tips
6. Home Inspection & Closing Process (15 minutes)

Importance of inspections & appraisals

What happens during

Host or Publisher Tunishia Davis-Beaman, Realtor