First Time Home Buyer Program - Available in Florida, Ohio, and Kentucky

Our First-Time Home Buyer Seminars can help take the frustration and confusion out of buying your first home. By educating yourself about all facets of the home purchase process, you know what to expect, you understand the issues and you're prepared to make informed decisions that are in your own best interest.

Our seminars will help you better understand:

• Mortgage pre-approvals and how they benefit you
• Home inspections
• Which mortgage is right for you? (fixed vs. variable, 15-year vs. 30-year, costs vs. no-cost, etc.)
• Down payments
• Purchase agreements
• Good Faith Estimates
• Annual Percentage Rates
• Mortgage closing costs
• Prepayment penalties
• Debt-to-housing ratios
• Paying points
• Private Mortgage Insurance (PMI)
• Homeowner's insurance
• The servicing of your mortgage