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Your Dream Home Awaits
Learn How Down Payment Assistance Can Help You Today!

Discover How to Save Thousands and Fast-Track Your Path to Homeownership with Our Complementary Webinar!

Course Overview

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The New House

Why Down Payment Assistance Matters

Buying a home is a dream for many, but saving for a down payment can feel like an overwhelming hurdle. That’s where Down Payment Assistance Programs (DPAPs) step in, providing financial solutions that make homeownership attainable for more people.

Struggling with a Down Payment? We’re Here to Help!

​​Here’s how DPAPs can help you:

  1. Reduce Upfront Costs
    Down payments are often the largest barrier to buying a home. DPAPs help by reducing the amount you need to save, making your dream home more affordable sooner.

  2. Grants and Forgivable Loans Available
    Many programs offer grants or forgivable loans, meaning you may not have to pay the assistance back if you meet certain conditions, like living in the home for a set period.

  3. Assistance for Closing Costs and More
    In addition to covering the down payment, some programs provide support for closing costs and other expenses, ensuring fewer out-of-pocket costs. Learn how first-time homebuyer programs may offer up to $25,000 in down payment or closing cost assistance.

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DPAPs are designed to make homeownership possible for a wide range of homebuyers:

  • First-Time Homebuyers: If this is your first home purchase—or you haven’t owned a home in the past three years—you’re likely eligible.

  • Diverse Income Levels: Programs cater to various income levels, from moderate-income families to individuals earning up to 120% of the Area Median Income (AMI).

  • Flexible Credit Requirements: With credit score requirements as low as 620 in some programs, homeownership is within reach even if your credit isn’t perfect.

Register Today! 

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How the Webinar Works

Join From Anywhere – It’s Easy!

Attending our Down Payment Assistance Program Webinar is simple, convenient, and packed with value. Here’s how it works:

  • Online Webinar Format
    Learn from the comfort of your home, office, or wherever you choose. Our webinar is accessible on any device, ensuring you don’t miss out on this valuable information.

  • Interactive Q&A Session with Experts
    Get your questions answered by experienced professionals. Whether you’re curious about eligibility, program benefits, or the application process, our experts are here to help.

  • Access to Exclusive Tools and Resources Post-Webinar
    After the session, you’ll receive a toolkit of resources, including a step-by-step guide, downloadable checklists, and links to additional support programs.

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Course Overview

What You’ll Learn in the Webinar

Join us for an engaging and comprehensive webinar designed to guide first-time homebuyers through every step of the process. Here’s a breakdown of what we’ll cover:

Introduction

Building Your Path to Homeownership

  1. Welcome & Overview: Discover how this webinar will equip you with the tools and knowledge needed to make homeownership a reality.

  2. Why Homeownership Matters: Understand the benefits, from financial stability to equity building and tax advantages.

Part 1
The Homebuying Process Made Simple

  1. Assessing Your Readiness

    • Financial health check

    • Personal readiness

  2. Setting Your Budget
    Determine what you can afford 

  3. Getting Pre-Qualification for a Mortgage
    Learn the steps

  4. Finding a Real Estate Agent
    Tips for selecting the right agent 

  5. House Hunting & Making an Offer
    What to look for in a property and crafting a competitive offer.

  6. Closing the Deal
    Navigate closing costs and understand what happens on closing day.

Part 2
Unlocking Down Payment Assistance Programs (DPAPs)

  1. What is a DPAP?
    Learn how these programs can reduce upfront costs and make homeownership more attainable. 

  2. Eligibility and Benefits
    Explore income limits, credit score requirements, and how DPAPs can assist with both down payments and closing costs.

  3. Working with Our Bank
    Step-by-step guidance to leverage our bank’s expertise in accessing DPAPs.

Part 3
Working with Brighton Bank

  1. Our Commitment to First-Time Homebuyers
    Exclusive programs and personalized support to simplify your homeownership journey.

  2. Getting Started
    How to connect with us for consultations, pre-approvals, and tailored assistance.

  3. Ongoing Support
    Resources and guidance throughout the entire process—and beyond.

Part 4
Final Takeaways

  1. Summary of Key Steps
    Recap the home-buying process and how DPAPs can support your journey.

  2. Call to Action
    Links and contact information to start your path to homeownership today.

Don’t Miss Out – Reserve Your Spot Now!

Disclaimer:

This webinar is for educational purposes only and does not constitute legal, financial, or investment advice. The information provided is general in nature and may not apply to your specific situation. Please consult with a qualified financial advisor or mortgage professional before making any financial decisions. The Down Payment Assistance Programs (DPAPs) mentioned in this video may vary by state, county, or municipality. Program availability, terms, and eligibility requirements can change at any time without notice. It is essential to verify the latest program information with your lender or relevant housing authority before proceeding. Pre-approval for a mortgage is not a guarantee of loan approval. Lenders may require additional documentation and verification, which may impact your final approval decision. Interest rates, terms, and conditions will be determined at the time of loan approval and may vary based on your financial situation. The minimum credit score and income requirements discussed in this webinar are only guidelines and may vary depending on the lender, loan program, or DPAP. Individual qualification for mortgages and DPAPs will depend on several factors, including creditworthiness, income, and the lender’s specific criteria. Closing costs and down payment assistance eligibility may vary based on your location, the specific DPAP, and the terms of the mortgage loan. Some DPAPs may cover only a portion of these costs, and you may still be responsible for additional fees and/or expenses. Please consult with your lender to understand the full cost implications. Any tax benefits associated with homeownership or DPAPs mentioned in this webinar are subject to change based on current tax laws and individual circumstances. Please consult a tax professional for specific advice on how homeownership may impact your tax situation. Specific DPAPs, such as those offered by the City of Memphis or national programs like the National Homebuyers Fund or Chenoa Fund, have their own terms and conditions, including repayment obligations and forgiveness requirements. The down payment assistance amount of up to $25,000 is subject to program eligibility and may vary based on factors such as location, income, and loan type. Not all applicants will qualify for the full amount. Program funds might also be limited and may be offered on a first-come, first-served basis. Availability of funds is not guaranteed.

Please ensure you fully understand the terms of any assistance program before proceeding. Any fees associated with loan origination, appraisals, or other third-party services related to the mortgage process will be disclosed by your lender as required by the Truth in Lending Act (TILA) and the Real Estate Settlement Procedures Act (RESPA). Be sure to review the Loan Estimate and Closing Disclosure for detailed cost breakdowns. Brighton Bank is an Equal Housing Lender. We comply with the Fair Housing Act and all related federal laws, ensuring that all borrowers have equal access to mortgage loans and DPAPs regardless of race, color, religion, national origin, sex, disability, or familial status.

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