Curriculum: Renting vs. Owning, Budgeting, Overview of all loan programs Home Advantage, VA, FHA, Conventional, the full home buying process A-Z, Escrow, Title Insurance, Home Inspection, Zero-to-20% downpayment loan programs, Applying for a home loan, Real estate negotiations, Selecting your realtor, Selecting your lender, Homeowners guide, Affordability calculator, Real estate market updates and much more. By attending this seminar each person will receive a downpayment assistance certificate of $10,000 valid for two years provided by the Washington State Housing Finance Commission.