Dreaming of owning a home but not sure where to start? Feeling stuck because you don’t have a down payment saved? You’re not alone — and you have more options than you may think.

In this practical, easy-to-understand class, we’ll walk you step-by-step through:

• How the home buying process really works
• What lenders look for (credit, income, debt, and more)
• How to prepare financially before applying
• First-time homebuyer programs available in Arizona
• Down payment assistance programs and grant opportunities
• Creative strategies if you don’t have savings yet
• Common mistakes to avoid

Whether you’re ready to buy now or just starting to plan for the future, this class will give you clarity, confidence, and a realistic action plan.