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\.

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!

**Community Tuesdays at Refraction** are a free weekly program designed for job seekers, professionals in transition, and aspiring founders to access resources, connections, and coworking space in the heart of Northern Virginia’s tech corridor. Each Tuesday from 9:00 am to 5:00 pm, participants gain complimentary access to Refraction’s collaborative workspace, career mentoring, resume and job-search support (including proven AI prompts to navigate applicant tracking systems), and a welcoming community of innovators and peers. Whether you are refining your next career move or exploring entrepreneurship, Community Tuesdays offer the space, guidance, and tools you need to move forward with confidence. For complete details and easy (non-Meetup) registration, please visit: [https://www.refraction.one/ctues](https://www.refraction.one/ctues).

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

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!

This class provides a trauma sensitive yoga approach for those of us living with chronic conditions/illnesses such as stroke, long covid, cancer, arthritis, parkinson’s disease, disabilities, fibromyalgia, injuries, aging, muscular sclerosis, balance issues, pain, knee or hip replacements, and for those of us who prefer, or our bodies have chosen to not so easily transition to and from the floor, to experience yoga. This adaptive class will meet you where you are as we explore the benefits of yoga from our seats and through the use of the wall. **Please reserve your spot at www.piesfitnessyoga.com.** The session is offered InStudio and OnLine. The Zoom link for the OnLine session will be emailed 15 minutes before class starts to those who are registered at www.piesfitnessyoga.com. **Sign up for sessions must be made at least 2 hours prior to class.** The address is 1322 Prince St. Alexandria, VA 22314. Our entrance is located on the side of the building, parallel to West St. **Street parking is available and additional parking is located at Shiloh Baptist church, spaces 36,37,38,39.** The church is located across the street from the studio, on the corner of Duke St. and West St.

The Capital City REIA Revolution is here! We TOUCH, MOTIVATE & INSPIRE ALL Real Estate Investors in the DMV and Baltimore metro area. With FUN, Laughter, Today's Hottest Education, The Area's Best Networking, "LIVE Hands-On Events," Local Subject Matter Experts, National Speakers, an interactive and engaging website, member discounts, resources and all the tools you need to create true financial independence as a Real Estate Investor. Capital City REIA is about setting you FREE to live the Life of Your Dreams! Capital City REIA is where LOVE, WEALTH & FREEDOM AWAITS YOU! Join the Revolution Today! Main Monthly Events are 100% FREE and are held in Hampton Inn 5821 Richmond Highway, Alexandria, VA Doors Open 6 pm Networking 6 - 7 pm Presentation 7 - 9 pm Night Owls Networking 10 - late... WE LOOK FORWARD TO MEETING YOU! Cheers to You and Your Success... - Tammy and team ccREIA

**NOTE: no Host 12/20 & 27 and 1/3 (Michael might be present part of 12/20, but otherwise, on Christmas vacation)** _Coordinate on comments here, in comments, or on Discord in the #events channel_ DM me with questions if necessary. ########## 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)**

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)

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](http://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!

Celebrate Christmas Eve at Divino with our special Feast of the Seven Pastas, a festive tribute to Northern Italy’s rich culinary traditions. For $70 per person, enjoy a chef-crafted menu featuring seven exquisite pasta dishes, each prepared in-house with seasonal ingredients. From seafood risotto to ricotta cavatelli and comforting agnolotti, every dish showcases the artistry of Italian cuisine. Our dining room will be beautifully decorated for the holiday season, offering a warm and inviting ambiance for gathering with family and friends. Optional wine pairings and festive desserts are available to enhance your evening, making this a truly memorable celebration. Let us take you on a delicious journey through Italian flavors while you create lasting memories with your loved ones. With limited seating for this exclusive event, we encourage you to reserve your table soon. Make this Christmas Eve unforgettable—book your spot at Divino today! For Reservations **[CLICK HERE](https://www.opentable.com/booking/experiences-availability?rid=1390855&restref=1390855&experienceId=609642&utm_source=external&utm_medium=referral&utm_campaign=shared)** (202) 643-4065 === MENU === **First Course** **LIGURIA** **Trofie con broccolini pesto** **VENETO** **Potato gnocchi, brown butter, sage** **** **Second Course** **LOMBARDY** **Risotto Milanese with seafood** **PUGLIA** **Hand-rolled ricotta cavatelli and pomodoro** **** **Third Course** **PIEMONTE** **Agnolotti del plin, manzo brasato** **LAZIO** **Rigatoni Carbonara, guanciale, pecorino** **** **Fourth Course** **EMILIA ROMAGNA** **Lasagna alla Bolognese** **Dessert** **Chocolate Mousse or Tiramisu**

Hi Everybody. Let's return to St. Elmo's Coffee Pub, Old Town North for our book session this week. It's near the corner of Asaph and Montgomery Streets.. There is a large table in the back for our group.

You can also join the meeting by Conference Call at (518) 263-8851.

Join us for lunch at True Food Kitchen in Easton as we celebrate the New Year and our friendships!

How do we recover from having had a toxic or narcissistic ex? How do we move on from the past, especially something as traumatic as a divorce or breakup? How do we avoid anxiety and depression? How do we have more self esteem? In this meeting, you will learn the mental health secrets to help you quickly get over the past and heal your mind. Be sure to click on the red "Attend" button below to come to this local event. We look forward to seeing you there. This group is created by the Dianetics & Scientology life improvement center.

Let's grab some coffee/food and share a morning chat! The East Market has an ample parking lot and outdoor and indoor seating. Grab a cup of coffee from Winston's Coffee & Waffles or on your way to East Market and meet us on the second floor - table behind or east of the elevator. If the weather cooperates we will be meeting in the patio. Per what this group is about: "Everyone is welcome! International transplants to Columbus who want to improve language skills, Columbus residents who want to discuss international travel and culture, and anyone who enjoys getting together for good conversations."

Hi ladies. We will meet in front of the Nature Center and head to the two Observation decks. We will then hike Hickory Ridge, Ripple Rock, Overlook and Sugarbush trails to get approximately four miles total distance. We will walk approximately a 18 minute mile pace. Please wear appropriate hiking shoes.