Homeownership Information
We provide homebuyer information for those who are interested in becoming a successful homeowner and information about options for those who are striving to become successful homeowners. Our information services are available at no cost to help people become successful homeowners.
We Provide Homebuyer Workshops
Introductory Workshop on Buying and Owning a Home
- What do I need to do first?
- Credit questions
- Budgeting for Success
- How much can I afford?
- Who will be helping me through the process?
- How long will it take?
- Understanding the language
There will be two hour long introductory workshops on buying and owning a home held at 6 to 8 PM on March 18, and April 1, 2010. The workshops are free and open to everyone. No pre-registration is required. The introductory workshops will be held at the WSU Visitor Center Conference Room. The address is 225 North Grand Ave. Pullman, WA 99163
Topics to be covered include:
Learn how to begin your journey to homeownership and receive a free guide to take home.
First Time Homebuyer Classes
- Advantages and disadvantages of owning a home
- Steps to homeownership
- The players in the home buying process
- Identifying credit issues and how to address them
- Budgeting and saving for a down payment and other loan closing cost
- Shopping for a lender
- The benefit of getting loan pre-approval before searching for a home
- How much home can you afford? Risk layering and compensation factors
- How much money will you need
- Selecting a loan program and how down payments affect loan choices
- How to shop for a real estate professional
- Selecting a home and negotiating a purchase price
- The importance of home inspection
- House Key Program issues - Recapture Tax, occupancy, and property restrictions
- The loan closing process and what to expect
- Avoiding Predatory Lending Practices
- Foreclosure prevention and early delinquency intervention
- Home Maintenance
- Community resources for further counseling and other assistance
First time homebuyer classes will be held at 9 AM to 3:30 PM on March 6, 27, and April 7, 2010. The classes run for about five hours long with breaks taken between sessions. The homebuyers classes will be held at Community Action Center. To get directions to our office please see our contact page.
Agenda
We work one-on-one with people who want to become homeowners including helping:
- Review finances
- Develop a budget to get to homeownership
- Review credit reports and make a plan for improvement
- Review what is involved in being a homeowner including home maintenance, taxes, insurance, and neighbor relations
- Selecting a home
- Applying for financing
We work one-on-one with people who are currently a homeowner to help them keep their home and protect their investment. These services might include:
- What to do when having financial difficulties
- What you need to do when you do get behind on your mortgage
- Developing a homeownership budget
- Completing home maintenance and repairs
Housing information services are individually tailored to meet the needs of the client. Please call Betty if you want more homeownership information at: 509-334-9147 Toll Free: 1-800-482-3991 Email: Sandym@cacwhitman.com or Bettyt@cacwhitman.com
