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NAME:Regina Public Library
X-WR-CALNAME:Regina Public Library
BEGIN:VEVENT
UID:07f9dc34-49ad-43ca-801e-f9a2e433a8ad
SEQUENCE:0
DTSTAMP:20261022T100059Z
DTSTART;TZID=America/Regina:20261126T190000
DTEND;TZID=America/Regina:20261126T200000
SUMMARY:Mortgage Essentials for First-time Home Buyers
LOCATION:Online\nOnline
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 -TITLE=Online:geo:0,0
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DESCRIPTION:This workshop discusses how the stress test works\, what lende
 rs look at when reviewing your application\, and the real costs involved b
 eyond the purchase price..\nhttps://rpl.libnet.info/event/17538317
X-ALT-DESC;FMTTYPE=text/html:<p>Buying your first home is one of the bigge
 st financial decisions you'll ever make &mdash\; and understanding the mor
 tgage process before you start can make all the difference.</p>\n<p>In thi
 s practical session\, our speaker Lehanne Potts\, Mobile Mortgage Speciali
 st\, from Conexus Credit Union will walk first-time buyers through the ess
 entials of qualifying for a mortgage in Canada\, including how the federal
  stress test works\, what lenders look at when reviewing your application\
 , and the real costs involved beyond the purchase price.</p>\n<p>You'll co
 me away with a clear understanding of the four pillars of a strong mortgag
 e application &mdash\; income\, credit\, down payment\, and the property i
 tself &mdash\; and what you can start doing today to put yourself in the b
 est possible position when the time comes.</p>\n<p>Topics covered include:
 </p>\n<ul>\n<li>How your borrowing power is calculated (GDS and TDS ratios
 )</li>\n<li>Down payment requirements\, rules\, and gifting options</li>\n
 <li>Closing costs and mortgage insurance premiums (CMHC/SAGEN)</li>\n<li>F
 ixed vs. variable rate mortgages and how to choose</li>\n<li>Prepayment pr
 ivileges and how to pay off your mortgage faster</li>\n<li>Mortgage terms 
 and amortization explained in plain language</li>\n</ul>\n<p>Whether you'r
 e just starting to save or ready to make an offer\, this session will give
  you the knowledge and confidence to take your next step toward homeowners
 hip.</p>\n<p>This program is conducted through Zoom.&nbsp\;&nbsp\;Register
  to receive a reminder\, the evaluation and any resource materials.</p>\n<
 p>Click the link to join:&nbsp\;</p>\n<p>Part of RPL's commitment to <stro
 ng>supporting financial literacy and economic development</strong> in Regi
 na.&nbsp\;If you have any questions about our Business\, Personal Finance 
 or Careers programs\, please contact Tim at 306-777-6013 or&nbsp\;txie@reg
 inalibrary.ca&nbsp\; &nbsp\; &nbsp\;&nbsp\;</p>\nhttps://rpl.libnet.info/e
 vent/17538317
URL;VALUE=URI:https://rpl.libnet.info/event/17538317
ATTACH:https://static.libnet.info/images/events/rpl/01a_Finance_houses.jpg
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