7:45 am—8:00 am—Participant Arrival Time

8:00  NHS of Richland County  Welcome, Final Registration

8:30  - Rent vs Buy, An Overview of  Buying a House, Who’s Who in the Housing Business, Five Factors that Influence Lenders, Affordability, and How Much House can you Afford?,  What's in a Mortgage Payment, Down Payment, Closing Costs, Financing, Adjustable Rate Mortgages

10:45  Loan Programs that Assist Home Purchase WHEDA Loan/AHP Grant; USDA Rural Development Direct and Guarantee Loans; Movin' Out for families with disabilities.

11:00  Recognizing Unfair loans and Predatory Lending

11:30 Lunch  Provided by TBD  (FREE!)

12:00 Budget and Credit

1:30   The Realtor's Role in Home Purchase

2:15   Break

2:30  Know what to ask your homeowner's insurance agent

3:00  Inspection and Maintenance