Your Dream Home Awaits: First Time Homebuyers Workshop

Especially when you factor in student loans, childcare, rent, utilites and the increasing prices on eggs these days.

Navigating credit concerns and understanding how they impact your mortgage rates can be overwhelming if anxiety keeps you up late at night looking to get a PhD from Youtube University from all the hours you've invested from creators who may not be qualified to give sound advice or know you personally to help you gain clarity on taking strategic steps that will help YOU cross the finish line.

You can choose if this message empowers you to take action or not. I'm just saying that once you decide to stop scrolling on socials saving videos of your dream homes, get with a REALTOR who knows how to secure a mortgage to help you close the deal.

Unexpected expenses such as closing costs, inspections and repairs can catch buyers offf guard, stretching budgets for groceries thinner than some one who can hoola hoop in a Cheerio.

Visualize yourself standing at the threshold of your dream home, keys in hand, ready to step into a new chapter. Sounds amazing, right?

That's exactly what our First-Time Homebuyers Event is all about — turning dreams into reality. Your Dream Home Awaits!

Join us for an engaging and informative session where you'll discover the ins and outs of buying your first home using First Front Door and Keys to Equity grant programs, for minority and first generation first-time homebuyers, with your minimum contribution of $1000.

As a Realtor, I understand deeply how the home buying process can feel overwhelming, but I've got your back.

Our team of experts will guide you through every step, from understanding grant programs that you may be eligible for as well as income guidelines and/or lender requirements for credit counseling which will all help you navigate the mortgage process in today's housing market.

You'll hear from one of my preferred lenders, title company, property inspector, home repair consultant and more.

Plus, get the chance to connect with me, a licensed PA Realtor, who can answer all your burning questions.

Whether you're just starting to think about buying or you're ready to make a move, this event is your ticket to homeownership success.

Don't miss out on this opportunity to gain the knowledge and confidence you need to make your dream home a reality. Let's make it happen!

Erin Therace

PA License #RS328084

Info: Arrival: Attendees check in, receive workshop materials such as Bingo Board, First Time Homebuyers Guide, etc

Info: - Welcome Remarks: Erin Therace, licensed PA Realtor, introduces the purpose of this necessary workshop in today's housing climate and outlines the agenda.
- Overview of the Homebuying Process: Quick snapshot of the major stages of purchasing a home—pre-approval, searching, making offers, inspections, financing, closing.

Info: - Overview of available grants, down payment assistance, and government programs (FHA, PHFA and City of Phila).
- Eligibility requirements for grants and programs.
- How to apply and maximize grant opportunities.
- Different types of mortgages (conventional, FHA, VA, etc.) and which may be best for first-time buyers.
- Understanding credit scores, income requirements, debt-to-income ratio, and down payments.
- Pre-approval vs. pre-qualification—what’s the difference and why it matters.

Info: - Manage the financial landscape with ease once you understand terms such as debt to income ratio (DTI), FICO score vs credit score, buying power and more... - Hear from a local credit counseling agency and find out how to register for their next homebuyer seminar

Info: - Networking Lunch: Opportunity for attendees to meet vendors in an informal setting.
- Resource Tables: Place for realtors, lenders, and title companies to showcase their services and answer questions.

Host or Publisher Erin Therace