Name: Unlocking Homeownership!
Start: 2026-03-24T09:30:00-04:00
End: 2026-03-24T11:30:00-04:00
Location: West Pasco Board of Realtors

This is a live class being taught by Janice Allen in the Sunset Room.
Unlocking Homeownership: Understanding PMI, Different Loan Programs, What is Homestead Exemption and Florida Save Our Home Credits!
This is a great class for new agents and a great refresher for seasoned agents. In this class you will learn:
• The steps of the loan process
• What documents are needed from the buyer to get pre-approved?
• Pre-Qualification versus Pre-Approval
• Overview of a FHA, Conventional and VA Loans
• What is PMI (Private Mortgage Insurance) and which loans require it?
• What is the difference between a Loan Worksheet, Loan Estimate and Closing Disclosure (CD)?
• Homestead Exemptions and Save our Home Credits for Real Estate Taxes
• Janice will explain why real estate taxes can and will change after the sale of a home. Have you ever wondered why two identical homes, built by the same builder at the same time have different real estate taxes, even if both properties have homestead on the home?
• Have you ever told a client that their real estate taxes should go down after they buy the home because an investor owns it now and once they file for homestead it will lower their real estate taxes and it doesn’t; the taxes actually go up?
Refreshments will be provided by your Education Committee.
Bring a Business Card to Enter to Win Free Local Dues for 2027 a $170 Value
Pursuant to the Americans with Disabilities Act, I require specific aids or services during my visit: AUDIO VISUAL MOBILITY. If so, please identify your special needs when you register by calling the board at 727-848-8507.
By taking part in this event, you grant the WPBOR full rights to use any images resulting from the photography and/or video filming for any reproductions or adaptations of the images for publicity, or other purposes to help achieve the mission of the WPBOR. This may include (but is not limited to) the right to use them in printed and digital publicity, social media, press releases, and funding applications.
If you do not wish to be photographed or filmed, please inform an event organizer or the photographer.
Realtor members please register at:
https://mdweb.mmsi2.com/wpasco/calendar/scripts/calendar.php?type=PUBLIC