BEGIN:VCALENDAR
VERSION:2.0
PRODID:-//ChamberMaster//Event Calendar 2.0//EN
METHOD:PUBLISH
X-PUBLISHED-TTL:P3D
REFRESH-INTERVAL:P3D
CALSCALE:GREGORIAN
BEGIN:VEVENT
DTSTART:20261118T000000Z
DTEND:20261118T010000Z
X-MICROSOFT-CDO-ALLDAYEVENT:FALSE
SUMMARY:Young Professionals Home Buying Seminar
DESCRIPTION:Ready to take the next step toward homeownership or explore real estate investing? Join the Ocean Community Young Professionals Network (OCYPN) on Tuesday\, November 17\, at 7:00 PM for an educational homebuying seminar led by Nate Andrews\, Senior Mortgage Loan Officer at Texana Bank.\n\n \n\nDesigned for young professionals\, first-time homebuyers\, and small business owners\, this seminar will break down the homebuying process\, explore financing options\, and provide practical guidance to help you prepare for your next big investment.\n\n \n\nTopics will include:\n\n\n	Getting Mortgage-Ready: Understanding credit\, student loans\, budgeting\, and what to expect throughout the buying process.\n	Buying as a Business Owner: How lenders evaluate self-employment income\, tax returns\, and business write-offs.\n	Alternative Financing Options: An overview of bank statement and profit-and-loss (P&L) loans\, including qualifications and tradeoffs.\n	Investment Properties & DSCR Loans: Understanding rental income\, cash flow\, and financing considerations.\n	ADU Financing: Exploring financing options for accessory dwelling units and what to consider before getting started.\n	Low- and Zero-Down-Payment Options: Learn about eligibility\, assistance programs\, and the potential out-of-pocket costs of purchasing a home.\n	All-in-One Loans: Explore how these loans work\, their potential benefits and costs\, and strategies that may help homeowners pay off their mortgages faster.\n\n\n \n\nWe'll also cover common homebuying misconceptions\, actionable steps you can take now to prepare\, and leave plenty of time for questions.\n\n \n\nWhether you're planning to purchase your first home\, are self-employed\, or are considering investing in real estate\, you'll leave with a better understanding of your financing options and a clearer path toward your goals.
X-ALT-DESC;FMTTYPE=text/html:<p class="p1" style="margin: 0px\; font-width: normal\; font-size: 21px\; line-height: normal\; font-size-adjust: none\; font-kerning: auto\; font-variant-alternates: normal\; font-variant-ligatures: normal\; font-variant-numeric: normal\; font-variant-east-asian: normal\; font-variant-position: normal\; font-feature-settings: normal\; font-optical-sizing: auto\; font-variation-settings: normal\; caret-color: rgb(0\, 0\, 0)\; color: rgb(0\, 0\, 0)\; -webkit-text-size-adjust: auto\;"><span style="font-size:11px\;"><span class="s1" style="font-family: UICTFontTextStyleBody\;">Ready to take the next step toward homeownership or explore real estate investing? Join the Ocean Community Young Professionals Network (OCYPN) on&nbsp\;</span><span class="s2" style="font-family: UICTFontTextStyleEmphasizedBody\; font-weight: bold\;">Tuesday\, November 17\, at 7:00 PM</span><span class="s1" style="font-family: UICTFontTextStyleBody\;">&nbsp\;for an educational homebuying seminar led by Nate Andrews\, Senior Mortgage Loan Officer at Texana Bank.</span></span></p>\n\n<p class="p2" style="margin: 0px\; font-width: normal\; font-size: 21px\; line-height: normal\; font-size-adjust: none\; font-kerning: auto\; font-variant-alternates: normal\; font-variant-ligatures: normal\; font-variant-numeric: normal\; font-variant-east-asian: normal\; font-variant-position: normal\; font-feature-settings: normal\; font-optical-sizing: auto\; font-variation-settings: normal\; min-height: 26px\; caret-color: rgb(0\, 0\, 0)\; color: rgb(0\, 0\, 0)\; -webkit-text-size-adjust: auto\;">&nbsp\;</p>\n\n<p class="p1" style="margin: 0px\; font-width: normal\; font-size: 21px\; line-height: normal\; font-size-adjust: none\; font-kerning: auto\; font-variant-alternates: normal\; font-variant-ligatures: normal\; font-variant-numeric: normal\; font-variant-east-asian: normal\; font-variant-position: normal\; font-feature-settings: normal\; font-optical-sizing: auto\; font-variation-settings: normal\; caret-color: rgb(0\, 0\, 0)\; color: rgb(0\, 0\, 0)\; -webkit-text-size-adjust: auto\;"><span style="font-size:11px\;"><span class="s1" style="font-family: UICTFontTextStyleBody\;">Designed for young professionals\, first-time homebuyers\, and small business owners\, this seminar will break down the homebuying process\, explore financing options\, and provide practical guidance to help you prepare for your next big investment.</span></span></p>\n\n<p class="p2" style="margin: 0px\; font-width: normal\; font-size: 21px\; line-height: normal\; font-size-adjust: none\; font-kerning: auto\; font-variant-alternates: normal\; font-variant-ligatures: normal\; font-variant-numeric: normal\; font-variant-east-asian: normal\; font-variant-position: normal\; font-feature-settings: normal\; font-optical-sizing: auto\; font-variation-settings: normal\; min-height: 26px\; caret-color: rgb(0\, 0\, 0)\; color: rgb(0\, 0\, 0)\; -webkit-text-size-adjust: auto\;">&nbsp\;</p>\n\n<p class="p1" style="margin: 0px\; font-width: normal\; font-size: 21px\; line-height: normal\; font-size-adjust: none\; font-kerning: auto\; font-variant-alternates: normal\; font-variant-ligatures: normal\; font-variant-numeric: normal\; font-variant-east-asian: normal\; font-variant-position: normal\; font-feature-settings: normal\; font-optical-sizing: auto\; font-variation-settings: normal\; caret-color: rgb(0\, 0\, 0)\; color: rgb(0\, 0\, 0)\; -webkit-text-size-adjust: auto\;"><span style="font-size:11px\;"><span class="s1" style="font-family: UICTFontTextStyleBody\;">Topics will include:</span></span></p>\n\n<ul class="ul1" style="caret-color: rgb(0\, 0\, 0)\; color: rgb(0\, 0\, 0)\; -webkit-text-size-adjust: auto\;">\n	<li class="li1" style="margin: 0px\; font-width: normal\; font-size: 21px\; line-height: normal\; font-size-adjust: none\; font-kerning: auto\; font-variant-alternates: normal\; font-variant-ligatures: normal\; font-variant-numeric: normal\; font-variant-east-asian: normal\; font-variant-position: normal\; font-feature-settings: normal\; font-optical-sizing: auto\; font-variation-settings: normal\;"><span style="font-size:11px\;"><span class="s2" style="font-family: UICTFontTextStyleEmphasizedBody\; font-weight: bold\;">Getting Mortgage-Ready:</span><span class="s1" style="font-family: UICTFontTextStyleBody\;">&nbsp\;Understanding credit\, student loans\, budgeting\, and what to expect throughout the buying process.</span></span></li>\n	<li class="li1" style="margin: 0px\; font-width: normal\; font-size: 21px\; line-height: normal\; font-size-adjust: none\; font-kerning: auto\; font-variant-alternates: normal\; font-variant-ligatures: normal\; font-variant-numeric: normal\; font-variant-east-asian: normal\; font-variant-position: normal\; font-feature-settings: normal\; font-optical-sizing: auto\; font-variation-settings: normal\;"><span style="font-size:11px\;"><span class="s2" style="font-family: UICTFontTextStyleEmphasizedBody\; font-weight: bold\;">Buying as a Business Owner:</span><span class="s1" style="font-family: UICTFontTextStyleBody\;">&nbsp\;How lenders evaluate self-employment income\, tax returns\, and business write-offs.</span></span></li>\n	<li class="li1" style="margin: 0px\; font-width: normal\; font-size: 21px\; line-height: normal\; font-size-adjust: none\; font-kerning: auto\; font-variant-alternates: normal\; font-variant-ligatures: normal\; font-variant-numeric: normal\; font-variant-east-asian: normal\; font-variant-position: normal\; font-feature-settings: normal\; font-optical-sizing: auto\; font-variation-settings: normal\;"><span style="font-size:11px\;"><span class="s2" style="font-family: UICTFontTextStyleEmphasizedBody\; font-weight: bold\;">Alternative Financing Options:</span><span class="s1" style="font-family: UICTFontTextStyleBody\;">&nbsp\;An overview of bank statement and profit-and-loss (P&amp\;L) loans\, including qualifications and tradeoffs.</span></span></li>\n	<li class="li1" style="margin: 0px\; font-width: normal\; font-size: 21px\; line-height: normal\; font-size-adjust: none\; font-kerning: auto\; font-variant-alternates: normal\; font-variant-ligatures: normal\; font-variant-numeric: normal\; font-variant-east-asian: normal\; font-variant-position: normal\; font-feature-settings: normal\; font-optical-sizing: auto\; font-variation-settings: normal\;"><span style="font-size:11px\;"><span class="s2" style="font-family: UICTFontTextStyleEmphasizedBody\; font-weight: bold\;">Investment Properties &amp\; DSCR Loans:</span><span class="s1" style="font-family: UICTFontTextStyleBody\;">&nbsp\;Understanding rental income\, cash flow\, and financing considerations.</span></span></li>\n	<li class="li1" style="margin: 0px\; font-width: normal\; font-size: 21px\; line-height: normal\; font-size-adjust: none\; font-kerning: auto\; font-variant-alternates: normal\; font-variant-ligatures: normal\; font-variant-numeric: normal\; font-variant-east-asian: normal\; font-variant-position: normal\; font-feature-settings: normal\; font-optical-sizing: auto\; font-variation-settings: normal\;"><span style="font-size:11px\;"><span class="s2" style="font-family: UICTFontTextStyleEmphasizedBody\; font-weight: bold\;">ADU Financing:</span><span class="s1" style="font-family: UICTFontTextStyleBody\;">&nbsp\;Exploring financing options for accessory dwelling units and what to consider before getting started.</span></span></li>\n	<li class="li1" style="margin: 0px\; font-width: normal\; font-size: 21px\; line-height: normal\; font-size-adjust: none\; font-kerning: auto\; font-variant-alternates: normal\; font-variant-ligatures: normal\; font-variant-numeric: normal\; font-variant-east-asian: normal\; font-variant-position: normal\; font-feature-settings: normal\; font-optical-sizing: auto\; font-variation-settings: normal\;"><span style="font-size:11px\;"><span class="s2" style="font-family: UICTFontTextStyleEmphasizedBody\; font-weight: bold\;">Low- and Zero-Down-Payment Options:</span><span class="s1" style="font-family: UICTFontTextStyleBody\;">&nbsp\;Learn about eligibility\, assistance programs\, and the potential out-of-pocket costs of purchasing a home.</span></span></li>\n	<li class="li1" style="margin: 0px\; font-width: normal\; font-size: 21px\; line-height: normal\; font-size-adjust: none\; font-kerning: auto\; font-variant-alternates: normal\; font-variant-ligatures: normal\; font-variant-numeric: normal\; font-variant-east-asian: normal\; font-variant-position: normal\; font-feature-settings: normal\; font-optical-sizing: auto\; font-variation-settings: normal\;"><span style="font-size:11px\;"><span class="s2" style="font-family: UICTFontTextStyleEmphasizedBody\; font-weight: bold\;">All-in-One Loans:</span><span class="s1" style="font-family: UICTFontTextStyleBody\;">&nbsp\;Explore how these loans work\, their potential benefits and costs\, and strategies that may help homeowners pay off their mortgages faster.</span></span></li>\n</ul>\n\n<p class="p2" style="margin: 0px\; font-width: normal\; font-size: 21px\; line-height: normal\; font-size-adjust: none\; font-kerning: auto\; font-variant-alternates: normal\; font-variant-ligatures: normal\; font-variant-numeric: normal\; font-variant-east-asian: normal\; font-variant-position: normal\; font-feature-settings: normal\; font-optical-sizing: auto\; font-variation-settings: normal\; min-height: 26px\; caret-color: rgb(0\, 0\, 0)\; color: rgb(0\, 0\, 0)\; -webkit-text-size-adjust: auto\;">&nbsp\;</p>\n\n<p class="p1" style="margin: 0px\; font-width: normal\; font-size: 21px\; line-height: normal\; font-size-adjust: none\; font-kerning: auto\; font-variant-alternates: normal\; font-variant-ligatures: normal\; font-variant-numeric: normal\; font-variant-east-asian: normal\; font-variant-position: normal\; font-feature-settings: normal\; font-optical-sizing: auto\; font-variation-settings: normal\; caret-color: rgb(0\, 0\, 0)\; color: rgb(0\, 0\, 0)\; -webkit-text-size-adjust: auto\;"><span style="font-size:11px\;"><span class="s1" style="font-family: UICTFontTextStyleBody\;">We&#39\;ll also cover common homebuying misconceptions\, actionable steps you can take now to prepare\, and leave plenty of time for questions.</span></span></p>\n\n<p class="p2" style="margin: 0px\; font-width: normal\; font-size: 21px\; line-height: normal\; font-size-adjust: none\; font-kerning: auto\; font-variant-alternates: normal\; font-variant-ligatures: normal\; font-variant-numeric: normal\; font-variant-east-asian: normal\; font-variant-position: normal\; font-feature-settings: normal\; font-optical-sizing: auto\; font-variation-settings: normal\; min-height: 26px\; caret-color: rgb(0\, 0\, 0)\; color: rgb(0\, 0\, 0)\; -webkit-text-size-adjust: auto\;">&nbsp\;</p>\n\n<p class="p1" style="margin: 0px\; font-width: normal\; font-size: 21px\; line-height: normal\; font-size-adjust: none\; font-kerning: auto\; font-variant-alternates: normal\; font-variant-ligatures: normal\; font-variant-numeric: normal\; font-variant-east-asian: normal\; font-variant-position: normal\; font-feature-settings: normal\; font-optical-sizing: auto\; font-variation-settings: normal\; caret-color: rgb(0\, 0\, 0)\; color: rgb(0\, 0\, 0)\; -webkit-text-size-adjust: auto\;"><span style="font-size:11px\;"><span class="s1" style="font-family: UICTFontTextStyleBody\;">Whether you&#39\;re planning to purchase your first home\, are self-employed\, or are considering investing in real estate\, you&#39\;ll leave with a better understanding of your financing options and a clearer path toward your goals.</span></span></p>\n
LOCATION:1 Chamber Way Westerly\, RI 02891
UID:e.726.52195
SEQUENCE:3
DTSTAMP:20261110T210915Z
URL:https://www.oceanchamber.org/events/details/young-professionals-home-buying-seminar-52195
END:VEVENT

END:VCALENDAR
