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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 in Rancho Cucamonga, CA


Date: November 13, 2019
Time: 9:30 AM - 4:00 PM
Location: Lewis Family Playhouse at Victoria Gardens Cultural Center

 

The STEPS Toward Homeownership full-day program provides 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.

 
Topics:

Current Market Environment & Forecast

Financial Planning:

  • Budget Preparedness
  • Homebuyer Readiness Education
  • FICO and Credit Requirements

Leveraging Down Payment Assistance (DPA):

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

Homeownership Prep:

  • Information about FHA, Conventional, Jumbo, and Special Loan Program

Accessory Dwelling Units (ADUs) and Renovation Lending

and much more...

 

Unlock the STEPS Toward Homeownership

 

Register Today!

 


Your STEPS Panelists:

 

Carolyn Sunseri - Golden State Finance Authority
Carolyn Sunseri 
Golden State Finance Authority

Yong Choi
Yong Choi

Movement Mortgage

Molly Ellis
Molly Ellis
California Housing Finance Agency (CalHFA)

Abel Fregoso Jr.
Abel Fregoso jr.
Homebridge Financial

Faramarz Moen-Ziai
Faramarz Moeen-Ziai
Commerce Home Mortgage CDFI

Nancy West
Nancy West
U.S. HUD / FHA

Rolanda Wilson
Rolanda Wilson
NID Counseling Services

Sahara Garcia
Sahara Garcia
Neighborhood Works Orange County

Jessie Armendarez
Jessie Armendarez
Mayor - Pro-Tem, City of Fontana

Joanne Cordero
Joanne Cordero, President
Springboard CDFI

Additional Speaker
Andrew Noska, Regional Manager
Unison

Additional Speaker
Fabian Casarez, Director of Lending & Realty
Neighborhood Housing Services- Inland Empire

Caitlan Bigelow
Caitlan Bigelow
CEO, Maxable

Danny Fitzpatrick
Danny Fitzpatrick Regional Manager
Guild Mortgage

Marc Farfel
Marc Farfel, Lender Liaison 
California Association of REALTORS®

Sara Sutachan
Matt Gelfand, Counsel

Californians for Homeownership

Jared Martin
Sara Sutachan, VP Industry Relations
California Association of REALTORS®

Joel Singer
Joel Singer, CEO
California Association of REALTORS®

 

 

STEPS Toward Homeownership Conference Schedule

9:30 – 10:30 AM

Continental Breakfast, Registration and Networking

 

10:30 – 11:00 AM

Why STEPS Toward Homeownership Matters

Joel Singer, Chief Executive Officer, C.A.R.

 

11:00 AM – 11:45 PM

STEPPIN’ Toward Financial Planning

Rolanda Wilson, Board Member/Counselor, NID Counseling Services

Joanne Cordero, President, Springboard Financial Services CDFI

Sahara Garcia, Education Director, Neighborhood Works Orange County

Fabian Casarez, Dir. Lending & Realty, Neighborhood Housing Services Inland Empire (NHSIE)

Moderated by: Joel Singer, CEO, C.A.R.

 

11:45 AM – 12:45 PM

Networking and Lunch with: 

Golden State Finance Authority, California Housing Agency, Movement Mortgage, Homebridge Financial, Commerce Home Loan CDFI, Springboard Financial) CDFI,
and HUD Counseling Services from (NID, Orange County, and the Inland Empire).

 

12:45 – 2:00 PM

STEPPIN’ Toward Financing

Yong Choi, Regional Sales Director, Movement Mortgage

Abel Fregoso Jr., Branch Manager Loan Originator, Homebridge Financial

Faramarz Moeen-Ziai, Vice President, Commerce Home Loan CDFI

Nancy West, Housing Program Officer, U.S. Department of Housing and Urban Development

Moderated by: Marc Farfel, Lender Liaison, C.A.R.

 

2:00 – 2:45 PM

STEPPIN’ Toward Down Payment Assistance (DPA)

Carolyn Sunseri, Golden State Finance Authority (GSFA)

Molly Ellis, California Housing Authority (CalHFA)

Andrew Noska, Regional Manager Unison

Moderated by: Sara Sutachan, VP of Industry Relations and Strategic Initiatives, C.A.R.

 

2:45 – 3:05 PM

Break: Networking in the Foyer

 

3:05– 3:50 PM

STEPPIN’ Toward Accessory Dwelling Units (ADUs) and Renovation Lending

Danny Fitzpatrick – Guild Mortgage

Caitlan Bigelow – Maxable

Jesse-Armendarez-Mayor-Pro-Tem, City of Fontana

Moderated by: Matthew Gelfand – Counsel, Californians for Homeownership, C.A.R

 

3:50 – 4:00 PM

Next STEPS

Sara Sutachan, VP of Industry Relations and Strategic Initiatives, C.A.R.

 

 

Requesting Time or Assistance to Review a Scenario

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

 

Please contact Andrew Vidales at andrewv@car.org for more information.

 


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