Most first-time buyers put down 3% to 5%. Some programs go as low as 0%.
Free live masterclass · For first-time buyers
Buy your first home in 2027 without overpaying
In one hour, a local realtor and a mortgage advisor walk you through budget, down payment help, offers and closing, with a live Q&A at the end.
Tue, Nov 17 · 12 PM PTThu, Nov 19 · 6 PM PTLive online + Q&AFree
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Down payment from3%
Live Q&A withRealtor + Lender
Save your seat
Pick a session and get the link by email
Seats are limited to 300 per session so we can answer questions live.
- The join link and a calendar invite, sent instantly
- Text reminders before we start, if you want them
- Live-only bonus: the Homebuyer Readiness Checklist
- Can't make it? You still get the replay for 48 hours
The 60-minute agenda
What you'll learn
The exact process we walk every first-time buyer through, in the order you will need it.
1
How much home you can really afford
The simple rule we use to set a budget that leaves room for life, not just the mortgage.
2
Down payment help you are missing
Programs that cover 3% to 5% down, grants for first-time buyers, and who qualifies.
3
Pre-approval, step by step
What lenders check, how long it takes, and the 3 things that raise your rate.
4
Winning an offer without overpaying
How to read a listing, set your price and write an offer sellers say yes to.
5
Inspections and red flags
What to inspect, what to negotiate and when to walk away.
6
Closing costs, explained
What you pay on closing day, what you can ask the seller to cover, and how to plan for it.
Myth vs. truth
6 myths that keep renters renting
Most people put off buying because of something that is not true. We clear these up in the first 10 minutes.
Many loans accept scores from 620, and small fixes can raise yours in weeks.
In many areas a mortgage costs less per month than rent, and you build equity.
Waiting can cost more if rates rise. The right time depends on your numbers.
Buyer agent fees are often negotiated into the deal. We show you how.
It does not. Sellers take full pre-approval seriously. We explain the difference.
Your hosts
Meet the people teaching
Ryan Whitfield
Founder & Lead Realtor, KeystoneRyan has guided first-time buyers through the Central Valley market for 12 years. He leads the offer and negotiation part of the class.
300+first homes12 yrsexperience
Marcus Lee
Senior Mortgage Advisor, partner lenderMarcus specialises in low down payment loans and first-time buyer grants. He covers budget, pre-approval and closing costs.
3%down programs4 daysavg. pre-approval
From past attendees
Families we have helped home
We thought we needed $60,000 saved. After the masterclass we bought with 3.5% down and a grant.
The offer strategy alone saved us from overbidding by about $18,000. Ryan knew exactly what to do.
I finally understood closing costs before signing anything. No surprises on closing day.
Marcus got us pre-approved in four days. We were in our home six weeks later.
Questions
Before you register
Is the masterclass really free?
Yes. It is free to attend, with no card and no obligation. We run it because informed buyers make better clients.
Will there be a replay?
Yes, for 48 hours. Register even if you cannot attend live and we will email you the replay. Live attendees get the Homebuyer Readiness Checklist and can ask questions.
Do I need to be pre-approved first?
No. The masterclass is for people who have not started yet, or who started and feel stuck.
Is this a sales pitch?
No. You get 50 minutes of teaching and 10 minutes of Q&A. At the end we mention our free strategy call, and it is up to you.
I am buying with a partner. Do we both register?
One registration is enough. Watch together, or share the link so they get their own reminders.
Where does it happen?
Online, on Zoom. Your join link arrives by email right after you register, and again before we start.
Free · Live · 60 minutes
Save my seat
Your first home starts with one hour
Tuesday, Nov 17 at 12 PM PT, or Thursday, Nov 19 at 6 PM PT.
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