Free Homebuyer Education Class — Credit Repair to Keys in Hand 🏡

Are you dreaming of owning a home but not sure where to start? Join Yolanda Picha, Real Estate Agent with Lux Team, and an expert panel for a FREE, in-person homebuyer education class — open to all residents and the greater community!

📅 Class Dates & Locations

📍 August 15 — Sofi Shadowridge

📍 August 29 — Sofi Ocean Hills

These events are hosted for residents, but ALL are welcome to attend!

What You'll Learn

✅ Credit Score Basics — What makes up your score and how to improve it ✅ How to Dispute Errors on Your Credit Report ✅ Loan Options — Conventional, FHA, VA, and Jumbo loans explained ✅ VA Loan Benefits — No down payment, no PMI, for veterans & active duty ✅ The Home Buying Process — From pre-approval to closing ✅ How to Get Pre-Approved and Know Your Buying Power

Your Expert Panel

🏡 Yolanda Picha — Real Estate Agent, Lux Team | DRE #02187943 Serving North County San Diego in English & Español 💳 Faviola Garcia — Credit Expert, Founder & CEO of AGM Solutions Specializing in credit repair, tradelines & mortgage readiness 🎖️ Sabrina Barella — VA Loan Officer, Military HomeSpot Helping veterans & military families use their hard-earned VA benefits 🏦 Veronica Barron — Mortgage Lender, City National Bank Guiding buyers through pre-qualification, loan selection & underwriting

This class is completely FREE and is designed for anyone who wants to take the next step toward homeownership — whether your goal is 3 months away or 3 years away. No judgment, no pressure. Just real information from real local experts.

📞 Have questions or want more details? Contact Yolanda:

📱 (760) 908-2517 📧 yolanda@luxteam.com 📸 @Yolandarealtor

Se habla Español 🌎 | Serving Oceanside, Carlsbad, Vista & all of North County San Diego