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Homeownership – Are You Ready

Learn about the costs involved in purchasing and maintaining a home. In the meantime learn what is required to qualify for a mortgage and decide whether renting or owning is better for you.

This program is conducted through Zoom.  Register to receive a reminder, the evaluation and any resource materials.

Click the link to join: https://us02web.zoom.us/j/84930198402?pwd=bdSH6Orgzt5OhcMP85gJlv1fB9vl0g.1 

Stepping into the housing market is one of the biggest financial decisions you will ever make. But beyond the excitement of house hunting and securing a down payment, what does it really take to own and maintain a property in today’s economic climate?

Presented in partnership with the Credit Counselling Society, this comprehensive, unbiased workshop is designed to help prospective buyers cut through the noise and evaluate their true financial readiness for homeownership. We will break down the realities of buying property, exploring everything from strict mortgage qualifications to the hidden ongoing costs that catch many first-time buyers off guard.

What We Will Cover:

• The True Cost of Buying: A detailed look beyond the purchase price, including closing costs, legal fees, inspections, and the actual cash required on closing day.
• The Cost of Maintaining: How to realistically budget for property taxes, insurance, utilities, and the inevitable surprise maintenance repairs.
• Mortgage Mechanics: An insider's look at what lenders require to qualify for a mortgage, including credit score expectations and debt-to-income ratios.
• Renting vs. Owning: An objective framework to help you evaluate whether continuing to rent or buying a home makes the most financial sense for your current lifestyle and long-term goals.

Join us for this practical session to ensure your dream home doesn't turn into a financial burden, and walk away with a clear, actionable roadmap for your real estate journey.

For more information about the Credit Counselling Society’s free services, budgeting tools, and debt management resources, visit www.nomoredebts.org/partner/regina-public-library   

Part of RPL's commitment to supporting financial literacy and economic development in Regina. If you have any questions about our Business, Personal Finance or Careers programs, please contact Tim at 306-777-6013 or txie@reginalibrary.ca      

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