Welcome Home: Free Homebuying Seminar

Buying a home can feel overwhelming when you're not sure where to start. Maybe you're worried about your credit. Maybe you don't have much saved for a down payment. Maybe you're not sure what you can afford—or whether buying a home is even realistic for you right now.

Welcome Home is a free, no-pressure homebuying seminar designed to help you understand your options and feel more confident about the homebuying process.

You don't need perfect credit.
You don't need a large down payment saved.
You don't need to be a First Mid customer.
You don't need to apply for a mortgage.
You don't need to have your credit checked.

You can simply come, learn, ask questions, and get a better idea of what your path toward homeownership could look like.

Whether you're hoping to buy soon, thinking about buying someday, or just wondering what's possible, you're welcome here.

Your ticket is completely free, and lunch is on us!

Enjoy sandwiches, chips, drinks and a light dessert while you learn about the homebuying process.

You'll also have opportunities to win giveaways, including gift cards and our 50-inch TV grand prize!

So come with your questions, enjoy lunch, learn something useful—and you might even go home with a prize.

This 90-minute seminar will walk you through the homebuying process from the first time you start thinking about buying all the way through closing.

We'll talk about:

• Credit: What lenders look at and how you can prepare
• Budgeting: How to think about what you may be able to afford
• Down payments: What you may need—and options that may help
• Down payment assistance: Programs that may be available and who may qualify
• Mortgage options: Understanding the different ways you may be able to finance a home
• Pre-qualification: What it means and what to expect when you're ready to take that step
• Closing costs: Expenses to plan for beyond your down payment
• The homebuying process: What happens from your first questions through closing
• The Realtor's perspective: What to expect when you're working with a real estate professional
• Title insurance and home warranties: What they are and why they may matter

And you'll have opportunities to ask your own questions throughout the seminar.

No question is too basic. If you've wondered about it, there's a good chance someone else has, too.

That's okay. This seminar is a place to start learning—not a test you have to pass.

You don't have to walk in knowing your credit score, your exact budget, or how much you have saved.

You don't have to bring financial documents.

You don't have to apply for a mortgage.

You don't have to become a First Mid customer.

Come learn what the process looks like and what steps you could take when you're ready.

VP, CRA Mortgage Manager
First Mid Bank & Trust
NMLS #454639

Dion will explain the mortgage and financing side of homeownership and answer questions about getting started, understanding your options and navigating the mortgage process.

Key-West Property Partners

Bobbie will explain the homebuying process from a Realtor's perspective, including what to expect as you move from searching for a home toward closing.

Together, they'll give you a look at the homebuying process from both the financing and real estate sides.

Whether you've never owned a home, you've owned one before, or it's simply been a long time since you've been in the market, you'll get useful information about today's homebuying process.

You don't have to be a First Mid customer to attend.

You don't have to be ready to buy.

If you're curious about homeownership, this seminar is for you.

Date: December 5th, 2026
Time: 12:30 - 2:00 p.m.
Location: 122 N. 5th St. St. Charles, MO 63301
Between Washington St. and Jefferson St.

Free parking is available on-site.

Registration is completely free.

Please reserve a ticket for each person attending so we know how many people to plan for at lunch.

Bring your questions. Bring a friend or family member. Bring a pen if you'd like to take notes—or use your phone.

You don't have to be ready to buy a home to take the first step toward understanding what's possible.

Reserve your free ticket today. We look forward to seeing you!

Event venue & nearby stays

122 N 5th St, 122 North 5th Street, Saint Charles, United States

Concerts, fests, parties, meetups — all the happenings, one place.

Get the app →

Discover more events by tag