Your First Equity Win; A Homebuying Strategy Session

Buying a home isn’t just about “getting in.” It’s about entering well — with a purchase that protects you, positions you, and ideally starts building equity sooner rather than later.

This small, in-person event is for buyers who want a strategic lens on Charlottesville real estate: how to think about pricing, monthly payment structure, negotiation leverage, and what actually creates smart outcomes (not just emotional ones).

If you’re planning to buy in the next 6–18 months — or you want to understand how to buy without overpaying — you’ll leave with a clearer strategy and better decision criteria.

What we’ll cover (Equity-First Buying)
• How buyers accidentally overpay (and how to avoid the common traps)
• What creates positive equity early: price-to-value, property selection, and timing dynamics
• Monthly payment strategy: rate, points, down payment, reserves — what levers matter most
• How to evaluate a “good buy” even if it isn’t your forever home
• Charlottesville market realities: where buyers still find leverage, and what to ignore
• Live Q&A: bring your specific scenario and questions

Who This Is For

• Professionals who want to buy with a Wealth Building Mindset
• Buyers who think their income is too fixed to upgrade
• Relocation buyers who need clarity and proven strategies
• Buyers who want to enter the market without regret or timing

This is a small, intentional group (10–24 people) focused on solving real concerns.

What you’ll leave with

• A framework for identifying a smart buy (not just a pretty house)
• Clear next steps tailored to your timeline
• A take-home Buyer Clarity Guide (equity-first checklist + the numbers that matter)

About your hosts
Jane Hammel — Frank Hardy Sotheby’s International Realty
A calm, data-driven advisor helping buyers make strategic decisions that create long-term value.

Melissa McCullough (Marvel Loans) — Mortgage broker known for translating the numbers into real options (without overwhelm).

Light refreshments provided. Location shared after RSVP.

If you want to buy smart — not just buy — this will give you the criteria, the math, and the confidence to move well.