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Real Estate
How to Buy a House with
$1000 Down
You have a decent job, you pay your bills on
time and your credit scores look good, but
it seems so hard to come up with money
for a down payment. Luckily, in today’s real
estate market, there are programs that
offer homebuyers a chance to purchase a
home for as little as $1000. Join this class
hosted by real estate expert, Donna Sackett
and lending expert, Carol Core and learn
the details of incredible financing options
available to buyers without a lot of cash.
Donna Sackett
is a realtor with Coldwell
Banker, with nearly 20 years of experience.
Carol Core
has been a licensed loan
officer for over nine years and is currently
with Security First Financial. Donna and
Carol work as a cohesive team and pride
themselves in taking extra special care of
first time homebuyers, helping them to
realize their dream of home ownership.
Class is FREE but you must register to
attend.
FREE! Non-Member
FREE! Member
CFU LOWRY
: Near 1st & Quebec
6822Y: One Wed., 6:30-8:30PM 10/28
6822AA: One Wed., 6:30-8:30PM 12/2
6822AB: One Wed., 6:30-8:30PM 1/20
Do I Stay or Do I Go?
Options for Downsizing or
Aging-in-Place
There are so many options in housing for
people who are considering downsizing
or managing their housing needs as they
age. Join this hugely informative class,
and learn what the various options are for
you or a loved one who might be facing
these dilemmas. Explore the benefits of
downsizing vs. aging in the place you
already live, and the pros and cons of
each. Class covers topics you might not
have considered such as the importance of
location (even out of state), alternatives to
traditional housing, reverse mortgages, and
whether you should fix up your house if you
decide to downsize. Realtor
Cellini
has over
20 years’ experience and gobs of resources
in helping adults make the best choices
for later life moves. She is joined by
Carol
Core
of Security First Financial who helps
demystify the topic of reverse mortgages.
Join them and build a solid plan for yourself
or your loved one’s future. Class is free but
you must register to attend.
Free Non-Member
Free Member
CFU LOWRY
: Near 1st & Quebec
3501AD9: One Tue., 6:30-8PM 10/27
3501AE: One Tue., 6:30-8PM 12/8
3501AF: One Tue., 6:30-8PM 1/19
How to Not Get Ripped Off
When Buying a House
Getting a mortgage can be a
daunting experience. There
are plenty of laws to protect
the consumer, but there are
also quite a few people in
the mortgage industry who
ignore the laws and take
advantage of homebuyers.
Chris Thomas
of America’s
Mortgage offers this free
class to help you avoid
getting ripped off. Some of
the topics covered include:
how the money flows in the mortgage
industry, why interest rates go up and
down, how lenders get paid, understanding
closing costs, and how to spot the common
mortgage rip-offs and avoid them. Class is
free, but you must register to attend.
FREE! Non-Member
FREE! Member
CFU LOWRY
: Near 1st & Quebec
6809DX: One Wed., 6:30-8:30PM 11/18
Get Your Home Loan
Approved!
FAQs and Secrets of Mortgage
Underwriting
The mortgage approval process is called
“underwriting” and everyone who wants
a mortgage needs to know how a loan is
approved. This class will arm you with the
knowledge you must have when talking
with a bank or mortgage broker. When you
leave this class, you will know the answers
to the following questions, and much more:
What credit score do I need, and how do
I get that score? How much is the down
payment? Can someone give me the money
for the down payment? How much money
do I need in the bank? Can I still get a loan
if I had a bankruptcy or a foreclosure? How
long must I have a job? Does my part-time
income count? If my spouse has bad credit,
can I still get a loan? How much debt can
I have? What kind of documentation do I
need to show the lender? Do I always need
an appraisal? Does the house have to be
in perfect shape? Why does my real estate
agent want me to be “pre-approved” for
a mortgage before showing me houses?
Chris Thomas
is licensed by Colorado as a
mortgage loan originator. He and his wife
(a former underwriter) are some of the top
producing mortgage bankers in the state.
Class is free but you must register to attend.
FREE! Non-Member
FREE! Member
CFU LOWRY
: Near 1st & Quebec
3503CT: One Wed., 6:30-8:30PM 10/21
The Smart Consumer’s
Guide to Buying a Condo
Thinking of buying a condo,
loft, or townhome but aren’t
sure you’re suited for the
“condo lifestyle”? Learn the
nuts and bolts of how a condo
association operates and who
the key actors are. Gain an
appreciation of all the condo
documents including the
financials so that you’re not
blindsided by unwelcome and
costly surprises. Leave with an
invaluable checklist that will
help you ask all the right questions. Special
considerations will be discussed for buying
a condo conversion or brand new condo.
Join Colorado attorney and realtor
Norm
Replin
for this practical seminar and decide
if condo living is right for you! Class is free
but you must register to attend.
FREE! Non-Member
FREE! Member
CFU LOWRY
: Near 1st & Quebec
6806EO: One Sat., 1-2:30PM 10/17
Selling Your Home? Take
This Class First!
The real estate market has changed from
a buyer’s to seller’s market. Getting top
dollar for your home requires a well thought
out plan and understanding of the home
sale process. In this fast moving seminar,
develop your own customized plan based
upon your particular goals and objectives.
Pre-sale topics will include the importance
of staging your home to the benefits
of getting a professional pre-sale home
inspection. Learn tips on how to differentiate
your home from all others and how knowing
the buyer demographics for your home can
help you promote it. Discover how creating
a well thought out pricing strategy based on
knowledge of your neighborhood real estate
statistics is critical. Also, understand how
the negotiating process between realtors
unfolds and how to deal with multiple offers.
Leave with a general understanding of the
legal documents and deadlines, including
legal pitfalls to avoid. There’s no reason
to pay a realtor 5-6% of your hard earned
home equity to sell your home. Discover
what money saving home sale options are
available to you. Realtor and attorney
Norm
Replin
will share his insights. Class is free,
but you must register to attend.
FREE! Non-Member
FREE! Member
CFU LOWRY
: Near 1st & Quebec
6821AM: One Sat., 1-2:30PM 10/24
Free Classes! Free Classes! Free Classes! Free Classes! Free Classes! Free Classes!
