29 First-Time Home Buyer Workshop Are you thinking of leaving renting behind and becoming a homeowner? Buying a house is probably the largest, most important, and most expensive transaction you’ll ever make.  Let four specialists - a loan officer, home inspector, real estate agent, and attorney - assist you.  They will also be available to answer your questions. Topics include but are not limited to down payment requirements; applying and qualifying for a mortgage; the importance of a home inspection; how property value is determined; when and why an attorney should be contacted; the negotiation process; why a purchase and sales agreement is never standard; title examination; and what to expect at closing. Tuesday • 6:30 - 9:30pm • March 12 • $45 HM09-S19 Instructor: Martin O’Sullivan Sellers Beware! To protect your real estate investment and obtain the greatest return on your investment when you sell you must stay informed. You must know the environmental impact of lead, asbestos, radon, and mold on your property and you must obtain and keep records of your improvements and permits, in other words, your “paper trail” documenting your home improvements. Learn how and why seller concessions are necessary, what is the significance of your assessed value and town records, and the role of the buyer agent. Speakers will include a licensed contractor, an inspector real estate agent, and an assessor. Wednesday • 6:30 - 9:30pm • April 3 • $49 HM30-S19 Instructor:Jo-AnnSzymczak Housing Options for Seniors Are you exploring different housing options or downsizing?  Learn what to expect when you decide it is time to move.  You will also receive information on selling your house, reverse mortgages, exploring 55+ communities and so much more!  Moving can be overwhelming but with the right information and resources your experience can be a positive one. Wednesday • 6:30 - 9:30pm • April 10 • $49 HM35-S19 Instructor: Jo-Ann Szymczak Essential Practices for the Successful Landlord Owning and managing residential properties can be financially rewarding but can also become very challenging and stressful if not run and handled properly like the business that it is. Being an informed and knowledgeable landlord will increase your chances of success. You will be guided through the entire rental process in this course.  It will include almost every step, procedure, and situation you may encounter such as rental applications; fair housing laws; screening prospective tenants; maintenance and repairs; proper rent increase notices; security deposits vs. last month’s rent; Chapter 93A - MA Consumer Protection Law; responsibility for utilities; and rent escrowing, non-payment of rent, and evictions. You will also learn the “Income Approach” to evaluate and determine the value of rental properties that you are considering purchasing or selling.    2 Wednesdays • 6:30 - 9:30pm • March 6 - March 13 • $99 HM29-S19 Instructor:Jo-AnnSzymczak Home Rescue: Decluttering, Organization, and Systems Is your home losing its beauty under the weight of clutter? Do you feel you don’t have enough space for everything you own? Do you lose time looking for things that you can never find and end up buying is again? Are you able to enjoy a restful home or do you always feel anxious and overwhelmed? Clutter can be terrible for your health and there is no better time to tackle it than now. Spring is here and invites us to clear space! You will discover what professional organizers do to get great results in less time, how to use your space wisely, and how to solve storage problems on a budget. Learn how organization can create an oasis that will empower you to rescue your whole home from chaos! 2 Thursdays • 6:30 - 9pm • March 28 - April 4 • $89 HM43-S19 Instructor: Patricia Allen A Buyer’s Market Are you ready to capitalize on the spring market? Predictions are for a Buyer’s Market. What does that mean? It means an opportunity to buy on your terms, but only if you understand how to negotiate and have your financing in place. This class will educate you on financing options, buyer representation, home inspection negotiating, and legal representation. Learn from real estate educators who believe getting a “deal” in real estate is “about being in the right place at the right time AND knowing you are there.” Learn about the Mass Housing Program, Veteran Programs, Down Payments, and Financing Programs from a mortgage guest speaker. Wednesday • 6:30 - 9:30pm • March 20 • $49 HM44-S19 Instructors: Jo-Ann Szymczak & Diane Luong Continued… Bundled Classes • $79