23 Apr 4.23.26 Low & No Down-payment Loan Programs 4.23.26 Low & No Down-payment Loan Programs Thursday, April 23, 2026 (1:00 PM to 1:50 PM) 1 Hr Real Estate Related, PLE N/A Education Credits Hillsdale Conference Center-Classroom, Charlottesville, Virginia Details You're Registered! DescriptionLocationInstructorsCancellation Policy This class is an in person class only This course will equip real estate salespersons with knowledge of various low and no down-payment options, enabling them to better inform potential buyers about affordable homebuying possibilities. Key takeaways: Many agents and potential buyers are unaware of programs that can help overcome the down-payment barrier, particularly for first-time buyers, who often mistakenly believe a 20% down-payment is required. Increased awareness of these options benefits the public by reducing the number of potential homebuyers who feel excluded due to the misconception that large down-payments are necessary. 1 Hour CE Real Estate Related/ PLE: N/A Thank you to our Sponsor: Fulton Mortgage Company Hillsdale Conference Center-Classroom - Classroom Hillsdale Conference Center-Classroom (Classroom)550 Hillsdale DriveCharlottesville, VA 22901 Map & Directions Domenic, Jay Jay has been a dedicated mortgage originator for over 38 years, bringing extensive experience in originating a wide range of residential mortgage products. His expertise spans conventional, FHA, VA, USDA, jumbo, and portfolio loans, as well as specialized financing solutions for first-time homebuyers and self-employed borrowers. Throughout his career, Jay has built a reputation for his deep industry knowledge, personalized client service, and ability to navigate complex financial scenarios with clarity and professionalism. His long-standing commitment to helping individuals and families achieve homeownership has made him a trusted resource among clients, real estate professionals, and industry partners alike. Cancellation requests (written or phoned) will be accepted through 5:00 p.m. two business days preceding each class. All paid tuition other than the $10 non-refundable, non-transferable to another person deposit will be refunded. No refunds will be given for cancellations made after the close of business on that day. (Requests for refund consideration due to extenuating circumstances must be received by CAAR in writing within 15 days after class start date).