Mortgage Notes

learn more about the HPAP Down Payment Assistance Program \- Get up to $202\,000 in funds from the House Assistance Purchase Program \- Learn what the funds can go towards and the timeline to get approved \- Understand how to sign up for HPAP orientation \- Learn the benefits and challenges of HPAP in detail \- Discuss the current market conditions for HPAP buyers\.

Join the DC Portuguese Conversation Group at Dacha Beer Garden in SHAW for an evening filled by practicing Portuguese on Tuesday the 13th. (IF YOU ARE STILL LEARNING THAT IS FINE, ALL LEVELS WELCOME). Come practice Portuguese, build new connections and broaden your cultural/lusophonic horizons with us! Whether you are a native Portuguese speaker, an English-speaking expat looking to practice Portuguese, or simply interested in making international friends, this event is perfect for you. Come ready to engage in stimulating conversations, make new connections. Ate ja, tchau!

## Join Our Online Event: **How To Fund Real Estate Investing** Thinking about diving into real estate but not sure how to finance your dreams? This online session breaks down all the cool ways to **get funding** for your projects. Whether you're a newbie or just looking to boost your funding game, we've got tips and tricks to get you started. Grab your laptop, settle in, and let's talk cash flow and creative financing! * **Understand the real funding options** — conventional loans, private money, hard money, and joint ventures, and when each actually makes sense. * **Learn how money flows through a deal** — capital stacks, risk positions, and why deals die when funding isn’t planned first. * **Avoid the most common funding mistakes** — overleveraging, bad assumptions, and chasing deals you can’t realistically finance. * **Get financially positioned before you make offers** — so you’re credible, confident, and ready when the right deal shows up. Register Here: [SIGN UP HERE](https://links.eliteeventbuilder.com/widget/form/bu1G1KgNvYWHQqAhCtbg?am_id=debbie335)

Ready to connect face-to-face with your investor colleagues? Attend the **Baltimore REIA South Meetup** for an evening of high-impact networking and learning. This is your chance to meet like-minded investors, share strategies, and find the perfect partners for your next deal. ### **Event Highlights** * **SPECIAL TOPIC: DEAL ANALYSIS.** We split into teams to analyze potential deals and share our thoughts with others. You could even find a deal to buy! * **Moderators:** Realtor/Investors **Ike Opaigbeogu** and **Bob Dietzen**. * **Focus:** Supporting and building the local investor community. * **Networking:** The ideal environment to build your **success team** and make lasting professional connections. * **FREE Raffle:** All attendees are eligible to win **$50 in REIA Bucks!** ### **Complete Event Details** * **What:** Baltimore REIA South Meetup (In-Person Only) * **When:** **Tuesday, December 9, 2025** * **Time:** **6:00 PM – 8:30 PM** * **Location:** **Timbuktu Restaurant** * **Address:** 1726 Dorsey Rd., Hanover, MD 21076 **Note on Location:** Timbuktu Restaurant is conveniently located for investors traveling from both the Baltimore and Washington metro areas. The restaurant generously donates the private room, so please show your appreciation by planning to order food and/or drinks from their full menu (individual checks will be provided). ### **Registration & Cost** * **FREE for ALL attendees!** * **Attendance:** Simply show up. **Be there!** This event is in-person only and **will not be recorded**, so don't miss out on the valuable conversations and connections.

Every Tuesday at 5pm! RSVP at the following link to receive login details: https://www.enggarcia.com/hbstuesday/ * The Districts Best first time home buyer webinar * Learn about the home buying process * How to qualify & what loans are available * Qualifying for DC Open Doors and other programs * Reduced down payment and closing cost opportunities We're looking forward to seeing you soon!

This event is NOT for beginners please. If you can't make it, please try to sign out at least 5 hours before the event starts. Thank you!

Please join us every week for power networking! Our Chapter Passed $1,666,736 USD in the past 12 months! BNI members, on average, increase their business 20% the first year. Our chapter is a dynamic, committed group of business people who know how to refer business to each other. Come for our meeting -- stay for the referrals!!! We have open categories for individuals who will bring enthusiasm and integrity to our meeting. Just one person per professional specialty is allowed in each chapter. Visit a meeting to find out more and lock out your competition! Register Here: https://bninovanorth.com/va-nova-north-bni-mclean-business-connection--n136/en-US/visitorregistration?chapterId=16988

Learn more about our Home Buyer Program * get up to $202k in down payment assistance through HPAP * get up to $25K in grants from Maryland Mortgage Program * downpayment assistance options through DC Open Doors * how to qualify and what loans are available * loan application and approval process * repeat home buyer options * purchase price limits * market insight and home buying steps in a competitive market SIGN UP AT THE LINK BELOW: [https://www.enggarcia.com/egpwebinars/](https://www.google.com/url?q=https://www.enggarcia.com/egpwebinars/&sa=D&source=calendar&ust=1705256818169980&usg=AOvVaw0qgqMgQjduPHADDDggU6H6)

Expect a fun afternoon of drawing and socializing with like-minded artists! Although each Session is 3 hours, feel free to drop in as your schedule permits. This is a casual gathering, and we know that people might only be able to stay a little while -- drop in, and stay, as long as you are having fun, and as your day allows. **Note: about RSVP's, please respect the RSVP process. If you RSVP YES, you are commited and we are all looking to seeing you. If your plans change however, that's OK, but please be courteous and change your RSVP to NO. We are reaching the headcount limit regularly now and it is rude to take a spot and not relinquish it if your plans change... Respect others; don't be rude. Thank you for your cooperation**. All skill levels are welcome -- this is not a competition. This Group and all its Events are intended to be in equal parts, Drawing/Art AND Socializing. As such, conversation is expected and encouraged. ***However, in all cases, please refrain from discussion of Political topics.*** Our goal is enjoyment, in the form of drawing together while socializing, and political conversation is too polarizing for that to happen. We are looking forward to seeing you there! **Note (in parting): Be aware, and keep in mind that our group, meeting as it does at Starbucks, depends on this business's generosity for the space it allows us. As such, please make a point of purchasing something from the business to express our appreciation as a group using their facility. If you are experiencing hardship and can't afford a modest purchase, get my attention discreetly, and arrangements will be made with no judgment whatsoever. Thank you for your understanding... Michael (your host)**

Looking to grow your real estate network, stay ahead of market trends, and connect with like-minded professionals? Don’t miss our local REIA, happening the third Thursday of every month. Whether you’re an experienced investor, first-time borrower, or industry expert, you’ll gain valuable insight, strategic conversations, and meaningful connections that can help you take your business to the next level. Come for the knowledge, stay for the network.

# Meet in or near the visitor parking lot at the office, near the Veterans Memorial area. # Bring: 1) yourself 2) if you are so inclined, the Find a Grave app (Ancestry.com) on your phone 3) any desired protection from sun and other natural elements # Agenda: 1) Casually attempt to fulfill at least one open photo request on the Find a Grave app and discuss associated strategies. 2) Enjoy the ambience, weather, nature and any assembled company. 3) Discuss a potential "field trip" meetup at a DC cemetery (Glenwood and Congressional cemeteries have been suggested). Note: If weather is heavily inclement or unsafe (torrential downpour, storms, etc.), the event will be rescheduled. Summary of last event: Three attended, including a new group member (welcome Aileen!). One memorial was located/photographed for the app. Winter landscape and unique memorials were observed, and good company was enjoyed. The weather was not so pleasant; fingers crossed for better weather this time!

It is irresistible, to enjoy a Spanish and Portuguese convo with appetizers, glass of wine and rail drinks. ***GRAB A DRINK AND YOU ARE ALL SET TO FLEX YOUR LANGUAGE CAPACITY. YOU NEED TO GET AT LEAST A DRINK OR FOOD :) To get the event going and show support. We know that you like our events. P.S. : We have non-alcoholic drinks as well.*** We have a tiny venue and we hit capacity often and early arrival is suggested. We have the discretion to decide entry. HOW IT WORKS : We will try to assign tables for each represented languages and will direct attendees to their respective tables accordingly. Rules to abide : 1. Event is free and 21+ (bring ID). 2. Be respectful to your counterparts and give them a chance to exchange with others as well. 3. We all are native speakers of one or two languages and be willing to help others and try to accommodate as much as possible. 4. If you don't speak the other person's required language, LEAVE THEM ALONE. 5. Rude or aggressive members are removed from the group at an organizers discretion. 6. This is a face-to-face language exchange event. DO NOT try to arrange an online meeting, by using the comment box or direct message. 7. Most of our members complained about people writing in the comment box. Since it sends notification to all attendees. If you have any questions, send a message to the organizers. Don't write in the comment box. 8. We have ZERO TOLERANCE for solicitation. We don't allow anyone to run their own agenda at the Event. If you are interested to promote/sponsor/collaborate; contact us via ([info@merevents.com](http://info@merevents.com)). 9. When you get there, we will greet you and take you to your respective group. 10. Don't be shy of your local languages. We have diplomates assigned to different countries, who would love to practice your languages. 11\. Be patient for the first 30 minutes\, up until we form your respective language group\. 12\. We will have a registration station and check you in\. 13\. This is mainly a social for Intermediate/Advanced/Native Speakers\. It is not as such to learn a language\. Beginners\, if you want to learn a language\, reach out to us \(info@merevents\.com\)\. We have a school and will arrange you a class\. ***AFTER THE EXCHANGE, WE HIT THE DANCE FLOOR! BRING YOUR DANCING SHOES, WE WILL DANCE THE NIGHT AWAY!***

Every Saturday at 11am! RSVP at the following link to receive login details: https://www.enggarcia.com/hbscaphill/ The Districts Best first time home buyer webinar Learn about the home buying process How to qualify & what loans are available Qualifying for DC Open Doors and other programs Reduced down payment and closing cost opportunities We're looking forward to seeing you soon!

Calling all Loudoun County and Northern VA Real Estate Investors, Agents and Professionals! Join the most unique real estate investor club, education, networking and mastermind event in the US! The Cash-Flow Breakfast Club is nationwide but was founded right here in your back yard! **This is a 12 part education series with new topics every month. This event is session 1 of 12!** **This event is free but has very limited seating and we are limited to the first 100 to RSVP! Join us and become a founding member of this amazing community!** *(it is ok to attend even if you missed previous sessions. Each session has stand alone topics. You can also attend other near by locations to get caught up on sessions that you have missed.)* **Very limited seating. In-person only.** **Make sure to RSVP today to reserve your spot.** **When: January 13, 2026 @ 5:45pm-9pm EST** **Where: 20116 Ashbrook Place Suite 200 Ashburn, VA 20147** The Cash-Flow Breakfast Club is NOT just a meet up. It’s the most unique Real Estate Investor Community of Mentors, Coaches & Masterminds. A community of growth oriented, abundance mindset, go-giver individuals with a BARE MINIMUM commitment to become financially free through real estate investing. We focus on providing education and building networks to help every member solve their cash-flow freedom equation, so they can have the time-freedom needed to follow their passions, make a lasting impact and even change the world! The unique format of this event, which consists of high-level education, gamified networking, mastermind breakout sessions, case studies, group deal analysis, market deep dives, and peer-to-peer coaching facilitation makes this the most impactful local real estate investor group a real estate investor can be a part of. The foundation of the group is built around the belief that everyone in the room has the potential to change the world… however most of us never have the time, energy or financial situation to even dare to dream big enough. Most of us have passions that will never be followed, amazing businesses or ideas that will never be pursued… unless we can solve the Cash-Flow Freedom Equation, which ultimately leads to Time-Freedom. Once that happens it is usually much easier for us to think bigger, dream bigger, be bigger. · 🤯 Learn more about the Cash-Flow Breakfast Club [HERE](https://cashflowbreakfastclub.com/) · 🥇 Get in the VIP List to be notified about the next event in your area [HERE](https://the.cashflowbreakfastclub.com/VIP) · 🤙🏼 Learn more about Launching your own Cash-Flow Breakfast Club Location [HERE](https://cashflowbreakfastclub.com/launch-your-own-club/) · 🤝🏼 Learn more about becoming an Affiliate-Sponsor at one of our club locations [HERE](https://cashflowbreakfastclub.com/affiliate-sponsors/) · 📷 View photos and videos of some of our recent events [HERE](https://cashflowbreakfastclub.com/about-the-cash-flow-breakfast-club/) · 😎 Looking to represent? Browse Cash-Flow Breakfast Club apparel and fly swag [HERE](https://cashflowbreakfastclub.com/shop/)

A Star Trek convention

Fairfax County VA Real Estate Investors, Agents and Professionals! We just launched a Cash-Flow Breakfast Club for your area! This is the most unique real estate investor club, education, networking and mastermind event in the US! **Join us for our official launch event for Fairfax County VA** **on January 26.** **This is a 12 part education series with new topics every month. This event is session 11 of 12!** *(it is ok to attend even if you missed previous sessions. Each session has stand alone topics. You can also attend other near by locations to get caught up on sessions that you have missed.)* **This event is free but has very limited seating and we are limited to the first 50 to RSVP! Join us and become a founding member of this amazing community!** **Very limited seating. In-person only.** **Make sure to RSVP today to reserve your spot.** **When: January 26, 2026 @ 5:45PM – 9:00PM EST** **Where: 12700 Fair Lakes Circle, Ste. 120** **Fairfax, Virginia, 22033** The Cash-Flow Breakfast Club is NOT just a meet up. It’s the most unique Real Estate Investor Community of Mentors, Coaches & Masterminds. A community of growth oriented, abundance mindset, go-giver individuals with a BARE MINIMUM commitment to become financially free through real estate investing. We focus on providing education and building networks to help every member solve their cash-flow freedom equation, so they can have the time-freedom needed to follow their passions, make a lasting impact and even change the world! The unique format of this event, which consists of high-level education, gamified networking, mastermind breakout sessions, case studies, group deal analysis, market deep dives, and peer-to-peer coaching facilitation makes this the most impactful local real estate investor group a real estate investor can be a part of. The foundation of the group is built around the belief that everyone in the room has the potential to change the world… however most of us never have the time, energy or financial situation to even dare to dream big enough. Most of us have passions that will never be followed, amazing businesses or ideas that will never be pursued… unless we can solve the Cash-Flow Freedom Equation, which ultimately leads to Time-Freedom. Once that happens it is usually much easier for us to think bigger, dream bigger, be bigger. · 🤯 Learn more about the Cash-Flow Breakfast Club [HERE](https://cashflowbreakfastclub.com/) · 🥇 Get in the VIP List to be notified about the next event in your area [HERE](https://the.cashflowbreakfastclub.com/VIP) · 🤙🏼 Learn more about Launching your own Cash-Flow Breakfast Club Location [HERE](https://cashflowbreakfastclub.com/launch-your-own-club/) · 🤝🏼 Learn more about becoming an Affiliate-Sponsor at one of our club locations [HERE](https://cashflowbreakfastclub.com/affiliate-sponsors/) · 📷 View photos and videos of some of our recent events [HERE](https://cashflowbreakfastclub.com/about-the-cash-flow-breakfast-club/) · 😎 Looking to represent? Browse Cash-Flow Breakfast Club apparel and fly swag [HERE](https://cashflowbreakfastclub.com/shop/)

Join us for [Muay Thai](https://en.wikipedia.org/wiki/Muay_Thai) kickboxing at [OSMA in Herndon, VA](https://www.virginiabjj.com/): an energetic morning class focused on striking technique, conditioning, and controlled sparring. 🔥 This adult (16+) class combines **technical instruction, pad work, partner drills**, and **cardio training** to build real-world skill and endurance in a safe, structured setting. Beginners and experienced students alike will learn how to apply the principles of **Muay Thai: *The Art Of Eight Limbs***, through precise **strikes**, **timing**, and **defense**. Classes take place every **Saturday** at **10:00 AM**. The **drop-in fee is $20**, payable on-site, and note that we are located in **suite #130**. Come train with us and see why so many in [Northern Virginia](https://en.wikipedia.org/wiki/Northern_Virginia) choose One Spirit Martial Arts for top-tier martial-arts instruction. **Frequently Asked Questions (FAQ)** Q: Is this class suitable for someone interested in **boxing**? A: Yes! Muay Thai shares many of the same **striking fundamentals** as [boxing](https://en.wikipedia.org/wiki/Boxing), including **stance**, **timing**, and **defensive movement**. Students searching for boxing gyms in [Herndon, VA](https://en.wikipedia.org/wiki/Herndon,_Virginia) or Northern Virginia train at OSMA to develop **solid punching technique** along with **kicks**, **knees**, and **elbows**.

This training is designed for real estate agents who want to learn how to play the Agent Investor game. The goal of this training is to help you flip your income into ownership. ━━━━━━━━━━━━━━━━━ **Most real estate agents build their business one transaction at a time.** Investors build wealth—and they buy repeatedly. The Investor Decoder shows why serving investors is the fastest path to predictable income, repeat deal flow, and a higher-value role in real estate. In this session, you’ll learn how to identify and serve the four core investor profiles that drive the majority of investor activity: * The Flipper – speed, volume, and clear exits * The Landlord – long-term cash flow and stability * The Creative Investor – complex deals and problem-solving * The Private Lender – capital partners who enable scale You’ll discover how each profile thinks, what they value most, and what they expect from an agent—so you can position yourself as a trusted advisor instead of just another salesperson. We’ll also cover: * Why investors represent a massive opportunity in today’s market * How working with investors elevates you to a Real Estate Wealth Advisor * The key questions that quickly decode investor goals and timelines * A clear action plan to start building your investor pipeline If you’re ready to escape the transaction treadmill and earn more by working with investors, this session will show you how. ━━━━━━━━━━━━━━━━━ **Did you miss it?** [Watch all GRID Reston event playback on YouTube](https://www.youtube.com/playlist?list=PLOTh5kxLLJI1G3VH6Pqhlhu0uTA8yrdpi) ━━━━━━━━━━━━━━━━━ **Join the GRID Facebook Community** [Join the online GRID community here](https://www.facebook.com/groups/gridinvestor) to post deals, ask questions, and connect with other investors across the globe.

We are having a meeting for Hypnotic Phenomenon on Tuesday September 10th at 7PM at the Rising Phoenix which is at 9028 D Prince William St, Manassas, VA 20110. It is $25 and the day will be directed by whomever attends. We could demonstrate hypnosis for pain management, self hypnosis, or stress relief. I want you to determine what we will do. This will last from 7:00PM to 8:30PM Let me know if you can attend.

**Join us for an insider's guide to achieving financial freedom through house hacking.** We will share proven strategies for turning your home into a powerful wealth-building tool. Discover multiple methods to successfully house hack your way to financial independence, including how to find the right property, choose the proper strategy, and own for less than renting. Come for the training, stay for the networking! ━━━━━━━━━━━━━━━ **Did you miss it?** [Watch all GRID event playbacks on YouTube](https://www.youtube.com/gridinvestor) ━━━━━━━━━━━━━━━ **Join the GRID Facebook Community** [Join our online GRID community here](https://www.facebook.com/groups/gridinvestor) to post deals, ask questions, and connect with other investors across the globe.