Whether you are just starting to save or are ready to make an offer, this session provides the clarity and tools needed to transition confidently from renter to homeowner.
This workshop is designed to break down the core pillars of mortgage readiness: credit health and the debt-to-income (DTI) ratio. We will explore how your credit score acts as a key to different interest rates and how managing your monthly obligations against your earnings impacts your total borrowing power.
Beyond the numbers, we will compare various loan products—from conventional financing to government-backed options—to find the right fit for your unique situation. Finally, we’ll uncover the "hidden" resources often overlooked by buyers: down payment assistance programs.
Your presenters:
Callihan Benson is the Financial Center Manager at Heartland Bank, a Division of German American Bank, in Pickerington. She has 18 years of experience in retail banking. She is the treasurer of the Tri-County Area Realty Association, and a member of the Pickerington Lion’s Club. Callihan loves building relationships and helping her customers save time and money. When she is not at work, she is with her husband, Chris, of 17 years and son, Cooper, who is 11.
Since 1995, Brent Diebert has assisted countless clients on their journeys to become homeowners. As an integral part of the Heartland Bank Mortgage team, Brent is committed to guiding his clients with confidence through the loan process. While explaining the lending procedure, products and terminology, his goal is to find the perfect loan for his clients’ needs. Even though homeowners may think about purchasing or refinancing a home only a few times in their lives, Brent thinks about it daily to be prepared with advice for the biggest financial transaction most individuals make. He is a board member of Leadership Worthington, supporter of Worthington Robotics, and the past Co-chair of the Affordable Housing Committee at Columbus REALTORS®. Brent is also a licensed continuing education provider often focusing on home affordability topics with real estate agents throughout Ohio.
If you need accommodations for a class or event, contact communications@pickeringtonlibrary.org or call 614-837-4104 ext. 221.
