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STEPS Toward Homeownership

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The CALIFORNIA ASSOCIATION OF REALTORS® STEPS Toward Homeownership addresses housing affordability from the perspective of financial literacy. Did you know over half of all renters in California thought you needed at least 20% down to purchase a home (C.A.R. 2019 Renter’s Survey)? The reality is there are programs available that enable a purchase with much lower down payments.  This program brings relevant information to our members about credit scores, financial planning, leveraging down payment resources and options for low to moderate income earners so that we can educate our buyers. The CALIFORNIA ASSOCIATION OF REALTORS® supports RESPONSIBLE homeownership. 

 

 


Where we’re STEPPIN’ to next:

STEPS Toward Homeownership virtually throughout CA

Date: June 21, 2022
Time: 10 am - 12:30 pm
Location: Live Virtual Event on Zoom (with breakout rooms)

 

Financing the Dream of Homeownership

 

 

Slides Here

 

The STEPS Toward Homeownership program has been cut down into digestible sections providing resources for REALTORS® to educate renters, prospective first-time home buyers, clients who have had a prior foreclosure or short sale, and Baby Boomers interested in helping their children or grandchildren become responsible homeowners. Experts will share philosophies on:

  • Strategies for Financial Health
  • Trends in the Economic Environment
  • Engaging in the Process
  • Products for Success
  • Support from Beginning to End

What's in it for me?

Attendees will acquire financial literacy knowledge and strategies to bolster your referral pipelines in the local community and help prospective buyers with financing expectations, down payment assistant options, and FHA vs. conventional loan programs. In addition, we have focused on the REALTOR® view as well, to give reasonable understanding of how to stay involved, without taking on additional roles.

 

 

We would like to thank our Sponsors:***

Rocket Pro

Crosscountry Mortgage Logo

Guild Mortgage Logo

Chase logo

GSFA Logo

California Housing Finance Agency

 

Topics:

Why Homeownership Matters & Overview of Today's Event - 10 a.m. - 10:15 a.m.

Understanding Homeowner Needs & Setting Expectations - 10:15 a.m. - 10:30 a.m.

  • Understanding & Communicating with Prospective Homebuyers
  • Fair and Equal Opportunities for All Potential Buyers
  • State of the Market - What does it take to Compete
    • FICO / Credit Requirements
    • Contingencies
    • Insurance/Condos/Inspections/TIC
  • Documentation Materials that may be Necessary

Financial Planning & Building the Winning Team - 10:30 a.m. - 10:45 a.m.

  • Budget Preparedness
  • Who are Your Partners - Lenders, Title, HUD Counselors & Escrow
  • Homebuyer Readiness Education

Financing the Deal - Putting it all Together - 10:45 a.m. - 11:25 a.m.

  • Different levels of Knowledge with Available Products
  • Setting Expectations & Timelines
  • What Does it Take to Qualify? and What is the Required Paperwork?
  • Information about FHA, Conventional, Jumbo, and Special Loan Program

Leveraging Down Payment Assistance (DPA) - 11:25 a.m. - 11:40 a.m.

  • Available 2nd TD's (Zero Interest & Forgiven Loans)
  • Homebuyer Grants & Loan Programs
  • Limited Mortgage Certificate Credits (MCCs)
  • Occupational Assistance Programs
  • Equity Builder Programs / Area Median Income (AMI) Limits

New Solutions to Affordability and Supply - 11:40 a.m. - 12:00 p.m.

  • Identifying Properties & Determining Eligibility
  • Addressing ADU's and How to Finance Them Going Forward
  • Renovation & Construction Lending Uses
  • Multi-Family vs. 2-4 unit Lending

Taking the Next STEPS - WIIFM- 12:00 p.m. - 12:10 p.m.

  • Resources
  • Sustainable Homeownership
  • Closing Tips
  • Education Materials & Homebuyer Training
  • Wrap it in a Bow
  • Updates from John Sebree (CEO)

and then there was...

The BREAK-OUT Sessions - Q&A - 12:10 p.m. - 12:40 p.m.

  • Sponsored Break-Outs
  • Answering those Burning Questions
  • More Detailed Resource Materials
 

Requesting Time or Assistance to Review a Scenario

For Direct One-On-One Assistance, Click Me!

 

Your STEPS Panelists: 

 

Meagan Harris - Golden State Finance Authority
Meagan Harris 
Golden State Finance Authority
[email protected]

Cynthia Leal
Cynthia Leal

Guild Mortgage
[email protected]

David Mendez - Freddie Mac
Monica LaCrue, Affordable Lending Manager
Freddie Mac
[email protected]

Linda Barrera
Linda Barrera
Symbium
[email protected]

Faramarz Moeen-Ziai headshot
Faramarz (FM) Moeen-Ziai
CrossCountry Mortgage
[email protected]

Chuck Sayed - Rocket Mortgage
Chuck Sayed
Rocket Mortgage (Pro)
[email protected]

Sean Moss STEPS Headshot
Sean Moss
Down Payment Connect
 
[email protected]

Rolanda Wilson
Rolanda Wilson
NID Housing Counseling Agency
[email protected]com

Suchada Lerknant - Chase
Suchada Lerknant
Chase Home Loan
 
[email protected] 

Molly Ellis
Molly Ellis
California Housing Finance Agency (Cal HFA)
 
[email protected] 

Kendyl Young
Kendyl Young, REALTOR® Broker Owner
Glendale DIGGS
[email protected]

 

Marc Farfel
Marc Farfel, Transaction Rescue Manager, Host
CALIFORNIA ASSOCIATION OF REALTORS®
[email protected]


John Sebree, 2022 Chief Executive Officer
CALIFORNIA ASSOCIATION OF REALTORS®

 

 

Requesting Time or Assistance to Review a Scenario

For Direct One-On-One Assistance, Click Me!

 

Please contact Marc Farfel at [email protected] for more information.

 

 

STEPS Toward Homeownership - Marketing Resources

To drive REALTOR® outreach to the STEPS Toward Homeownership Virtual Conference on June 14, 2022, C.A.R. has a variety of graphics and marketing materials available for you. Partner with us on providing key training and educational opportunities to members of your Association through email, online ads, social media, and mailings.

Social Media

STEPPIN' Toward Homeownership for all on your social media platforms!

Hashtags:
#HomeownershipExpert
#IAmAHomeownershipExpert
#STEPSTowardHomeownership

STEPS Toward Homeownership - 4"x4"   
[Click image to download]

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STEPS Toward Homeownership - 4"x4"

[Click image to download]
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STEPS Toward Homeownership - Instagram Story

[Click image to download] 
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Flyers/Handouts

STEPS Toward Homeownership Flyer
[Click image to download]

STEPS_Flyer_Edited_V3-01

STEPS_Flyer_Edited_V3-02

 

STEPS Toward Homeownership Customizable Flyer
[Click image to download]

STEPS_Flyer_Edited_V3-03

 

Banner Ads

STEPS Toward Homeownership Banner - 1280x400px
[Click image to download]
STEPS_1280x400-01

STEPS Toward Homeownership Banner - 1200x150px

[Click image to download]

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STEPS Toward Homeownership Banner - 1920x480px

[Click image to download]
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Thank you for your participation and attendance at our STEPS Toward Homeownership Virtual Conference; we hope you enjoyed the event and STEPPED away with learning something new.

Below, please find our REALTOR® Resource Guide, each individual panel, as well as a combined file of all the sessions.

The CALIFORNIA ASSOCIATION OF REALTORS® Transaction Rescue™ is pleased to present:

STEPS Toward Homeownership Resources


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