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Join us for a special 1-day event pumped up with expert insight on Transaction Coordination (TC) practices throughout the industry. Learn what leading TCs and Brokers do to keep their firms in shape. Join us for the TC Career Workout on May 7, 2021 and use the knowledge shared here to start seeing gains in your business!

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STEPS Toward Homeownership Conference

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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? 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 17, 2021
Time: TBD
Location: Live Virtual Event on Zoom

Financing the American Dream

Register Today!


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.

Topics from April 7th Conference:

Why Homeownership Matters - 10 a.m. - 10:15 a.m.

How to Lay the Groundwork as a REALTOR® - 10:15 a.m. - 10:30 a.m.

Financial Planning - Understanding Homeowner Needs & Expectations - 10:30 a.m. - 10:45 a.m.

  • Budget Preparedness
  • Homebuyer Readiness Education
  • FICO / Credit Requirements
  • Documentation Materials that may be Necessary

Negotiating a Strong Offer - 10:45 a.m. - 11 a.m.

  • Preparing & Presenting Great Offers
  • Minimizing Concern Over Contingencies
  • Risks of Buyer Letters
  • Working with Title & Escrow
  • Red Flags with Appraisal Issues
  • Negotiating Repairs/Credits

Leveraging Down Payment Assistance (DPA) - 11 a.m. - 11:15 a.m.

  • Available 2nd TD's (Zero Interest & Forgiven Loans)
  • Homebuyer Grants & Programs
  • Mortgage Certificate Credits (MCCs)

Homeownership Prep: Financing the Deal - Putting it all Together - 11:15 a.m. - 11:45 a.m.

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

Using STEPS in Your Business - WIIFM - 11:45 a.m. - 12 p.m.

  • Resources
  • Education Materials
  • Building a Team
  • Wrap it in a Bow

and then there was...

The BREAK-OUT Sessions - WIIFM - 12 p.m. - 12:30 p.m.

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

We Would Like to Thank Our Sponsors:

STEPS Toward Homeownership Sponsors



Your April 7th STEPS Panelists: 

Carolyn Sunseri - Golden State Finance Authority
Carolyn Sunseri 
Golden State Finance Authority
[email protected]

Yong Choi

Guild Mortgage
[email protected]

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

Abel Fregoso Jr.
Abel Fregoso jr.
Homebridge Financial
[email protected]

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

Rolanda Wilson
Rolanda Wilson
NID HUD Counseling Services
[email protected]

Chris Cook
Title 365
[email protected]

Kama Burton, Broker Owner CMB Realty
[email protected]


Rosanna Garcia - Garcia Realty
Rosanna Garcia, 2021 President WCR CA
[email protected]

Neil Kalin, Asst. General Counsel

Marc Farfel, Transaction Rescue Manager
[email protected]

Jared Martin
Sara Sutachan, SVP Industry Relations


Joel 2021 Headshot 300x300
Joel Singer, CEO



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