Credit In 2026: Understanding Today’s Credit Landscape

The homebuying journey begins well before you’re ready to make an offer. In this webinar, Patelco Home Loan Consultant Fred Williams will discuss the key steps future buyers should understand early, such as credit, savings, the financing process, and the realities of home shopping in Northern California. Whether you’re planning on buying soon or simply thinking ahead, this session will give you clear picture of what to expect and how to prepare with confidence.

What You’ll Learn:

• The key factors lenders look at, including credit, income, assets, and affordability
• The difference between pre‑qualification and pre‑approval, and when each matters
• What the homebuying and mortgage process looks like from start to finish
• Strategies for preparing early and setting yourself up for success

BONUS: 3 attendees will be selected at random for a $25 e-gift card.

In May, we’re excited to be doing a two-part series about mastering your finances – the Your Money Landscape series with our guest presenter Nadia Vanderhall of The Brands + Bands Strategy Group. The first webinar will focus on grounding you in where you are right now, both financially and emotionally.

Our guest presenter will share:

• How the current economic environment can affect your savings and financial choices
• How to understand your personal risk tolerance
• How your personal risk tolerance and outlook should be used to guide your planning

Kick off 2026 on the right foot! In this webinar, we’ll discuss how to bounce back from holiday spending and stress, reset your financial mindset, and build a budget that aligns with your values and supports your goals. You’ll leave with practical tools and strategies to make saving and planning for the new year feel achievable and motivating. What you’ll learn:

• How to recover from holiday expenses without losing momentum
• Mindset shifts to help you start the year financially strong
• Steps to create a realistic, sustainable budget
• Tips for setting and reaching meaningful savings goals