Moderator: Bob Hart, Santa Barbara Board of Realtors

5:00 – 5:30 PM – From Renter to Home Owner

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%!)

  • Kevin Cravens, Guaranteed Rate

  • Kim Lovetro, Dignified Home Loans

  • Gabriela Santana, Guild Mortgage

5:45 – 6:15 PM – From Renter to Home Owner

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

  • Blanca Dover, RE/MAX Gold Coast Realty

  • Vicky Reese, Movement Mortgage

6:30 – 7:00 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.

  • Yolanda Castro, Castro Realty Company

  • Ana Gil, Century 21 Everest

  • Sher Heard, Comfort Real Estate