This workshop is designed to break down th e core pillars of mortgage readiness: \;credit health \;and the&nb sp\;debt-to-income (DTI) ratio. We will explore how your credit score acts as a key to different interest rates and how managing your monthly obliga tions against your earnings impacts your total borrowing power.
\nBe yond the numbers\, we will compare various \;loan products&mdash\;from conventional financing to government-backed options&mdash\;to find the ri ght fit for your unique situation. Finally\, we&rsquo\;ll uncover the "hid den" resources often overlooked by buyers: \;down payment assistance p rograms. \;
\nYour presenters:
\nCallihan Benson is the Fi nancial Center Manager at Heartland Bank\, a Division of German American B ank\, in Pickerington. She has 18 years of experience in retail banking. S he is the treasurer of the Tri-County Area Realty Association\, and a memb er of the Pickerington Lion&rsquo\;s Club. Callihan loves building relatio nships and helping her customers save time and money. When she is not at w ork\, she is with her husband\, Chris\, of 17 years and son\, Cooper\, who is 11.
\nSince 1995\, Brent Diebert has assisted countless clients on their journeys to become homeowners. As an integral part of the Heartla nd Bank Mortgage team\, \;Brent is committed to guiding his clients wi th confidence through the loan process. While explaining the lending proce dure\, products and terminology\, his goal is to find the perfect loan for his clients&rsquo\; needs. \;Even though homeowners may think about p urchasing or refinancing a home only a few times in their lives\, Brent th inks about it daily to be prepared with advice for the biggest financial t ransaction most individuals make. He is a board member of Leadership Worth ington\, supporter of Worthington Robotics\, and the past Co-chair of the Affordable Housing Committee at \;Columbus REALTORS®\;. Brent is al so a licensed continuing education provider often focusing on home afforda bility topics with real estate agents throughout Ohio.
\nIf you need accommodations for a class or event\, contact communications@pickeringtonlibrary.org or call 614-837-4104 ext. 221. \;
\n\nhttps://pickeringtonlibr ary.libnet.info/event/16290284 URL;VALUE=URI:https://pickeringtonlibrary.libnet.info/event/16290284 ATTACH:https://static.libnet.info/images/events/pickeringtonlibrary/2026_- _Homebuyer_Workshop.jpg END:VEVENT END:VCALENDAR