11:00 -11:30 AM – Lender Panel

Find out what’s involved in the lending process, when is the best time to meet with a lender, impact of credit on loan approval, how much down payment you really need (not necessarily 20%!)

  • Olivia Brown, Montecito Bank & Trust

  • Mark Johnson, Guaranteed Rate

  • Sherri Reccord, Movement Mortgage

12:00 – 12:30 PM – From Renter to Home Owner

Guidance from a lender, real estate agent, and residential builder on how you can make the leap from renter to homeowner.

  • Sonya Haifi, PB & Associates

  • Cyndi Nunez, Guild Mortgage

  • Gina Perrault, Coastal Community Builders

12:30 – 1:00 PM – De Inquilino a Propietario

¿Quieres dar el paso de inquilino a propietario? Asiste a este sesione para recibir consejos y orientación de un agente de préstamos local y un agente inmobiliario sobre cómo estar preparado, qué esperar y cómo ahorrar dinero.

  • Sonya Haifi, PB & Associates

  • Vicky Reese, Movement Mortgage

  • Marie Withers, Guild Mortgage – Moderator

1:00 – 1:30 PM – Real Estate Agent Panel

The Real Estate Agent panel will help you understand today’s real estate market, what’s involved with working with a real estate agent, finding the property that’s right for you, and how to be prepared to be as strong a buyer as you can be.


  • Sandra Cervantes, Mint Properties

  • Leigha Peralta, Better Homes & Gardens RE / Haven Properties

  • Courtney Wilde, Compass