Learn & Thrive

License Renewal

Easily renew your real estate license with the FREE 45 hour online license renewal package from C.A.R.

Pre-License Training

Prepare to earn your real estate license with our online courses

Designations / Certifications

Distinguish yourself by learning how to build a business that specializes in niche markets to nearly double your earning potential in various real estate sectors

Education Calendar

Browse our class schedule to find when and where to take real estate courses.

Course Catalog

Browse through the many courses we offer - listed in alphabetical order. 

Online Bundles
Graduate, REALTOR® Institute (GRI) Designation

Stand out as a REALTOR® with in-depth technical knowledge on the fundamentals of real estate.

Online Bundles
Risk and Education Management System

The REMS system allows brokers to deliver quality education to their agents and track their progress.


Complete your eight-hour NMLS license renewal requirement through our NMLS-approved provider, OnlineEd

C.A.R. Board of Directors and Committees

The main Business Meetings page includes important links for Directors and Committee Members.

REimagine! 2020

REimagine! Real Estate Conference & Expo is where learning takes center stage and where business solutions and connections are at the forefront of the real estate industry.

Property Management Conference

Join us for a deep dive into property management fundamentals at this one-day conference.

Virtual Events

View C.A.R's upcoming and past virtual events.

NAR Meetings

NAR meeting information and materials.

For Your Clients

A one-stop shop for tools and and resources to educate consumers about the intricacies of buying and selling a home and how a REALTOR® can help.

Infographics One Cool Thing Tax Reform One Sheets Fire Insurance One Sheets
Charts & Graphs

Explore and interact with the latest market statistics.

County Market Updates Market @ A Glance
Digital Tools

Marketing tools from C.A.R.'s consumer advertising campaign

For Brokers/Managers

From Conferences to Resources, this area is geared to brokers and managers.

Center for California Real Estate

CCRE's mission is to advance industry knowledge and innovation with an emphasis on convening key experts and influence-makers.

Tax Reform FAQ

Frequently Asked Questions about the Tax Cuts and Jobs Act

Multimedia Library

From webinars to videos and podcasts to blogs, C.A.R. keeps you in the know.

Videos Webinars Podcasts

C.A.R. publishes eight magazine issues and various newsletters throughout the year.

Newsletters California Real Estate Magazine

STEPS Toward Homeownership Conference

What is This?
Add a quick link to this page from the Homepage when you are signed in
Share Article


  The CALIFORNIA ASSOCIATION OF REALTORS® STEPS Toward Homeownership addresses housing affordability from the perspective of financial literacy. Did you know over half of all renters in California thought you needed at least 20% down to purchase a home (C.A.R. 2019 Renter’s Survey)? The reality is there are programs available that enable a purchase with much lower down payments.  This program brings relevant information to our members about credit scores, financial planning, leveraging down payment resources and options for low to moderate income earners so that we can educate our buyers. The CALIFORNIA ASSOCIATION OF REALTORS® supports RESPONSIBLE homeownership. 

Where we’re STEPPIN’ to next:

STEPS Toward Homeownership in Bakersfield, CA

Date: February 20, 2020
Time: 9:30 AM - 2:30 PM
Location: Bakersfield Marriott at the Convention Center


The STEPS Toward Homeownership full-day program provides resources for REALTORS® to educate renters, prospective first-time home buyers, clients who have had a prior foreclosure or short sale, and Baby Boomers interested in helping their children or grandchildren become responsible homeowners. Experts will share philosophies on:

  • Strategies for Financial Health
  • Trends in the Economic Environment
  • Engaging in the Process
  • Products for Success
  • Support from Beginning to End

What's in it for me?:

Attendees will acquire financial literacy knowledge and strategies to bolster your referral pipelines in the local community and  help prospective buyers with financing expectations, down payment assistant options, and FHA vs. conventional loan programs.


Why Homeownership Matters

What Makes the Homeownership Expert

Financial Planning:- Interactive Workshop of STEPS

  • Budget Preparedness
  • Homebuyer Readiness Education
  • FICO / Credit Requirements
  • Documentation Materials that may be Necessary

Leveraging Down Payment Assistance (DPA):

  • Available 2nd TD's (Zero Interest & Forgiven Loans)
  • Homebuyer Grants & Programs
  • Mortgage Certificate Credits (MCCs)

Homeownership Prep:

  • Information about FHA, Conventional, Jumbo, and Special Loan Program

and much more...


Unlock the STEPS Toward Homeownership


Register Today!


Planned STEPS Panelists Include:


Carolyn Sunseri - Golden State Finance Authority
Carolyn Sunseri 
Golden State Finance Authority

Yong Choi
Yong Choi

Movement Mortgage

Molly Ellis
Molly Ellis
California Housing Finance Agency (CalHFA)

Abel Fregoso Jr.
Abel Fregoso jr.
Homebridge Financial

Faramarz Moen-Ziai
Darice Vieira
Commerce Home Mortgage CDFI

Nancy West
Nancy West

Rolanda Wilson
Rolanda Wilson
NID Counseling Services

Sahara Garcia
Sahara Garcia
Neighborhood Works Orange County

Joanne Cordero
Joanne Cordero, President
Springboard CDFI

Additional Speaker
Andrew Noska, Regional Manager

Additional Speaker
Fabian Casarez, Director of Lending & Realty
Neighborhood Housing Services- Inland Empire

Marc Farfel

Marc Farfel, Lender Liaison 
California Association of REALTORS®


Jared Martin
Sara Sutachan, VP Industry Relations
California Association of REALTORS®


Joel Singer
Jeanne Radsick, 2020 President
California Association of REALTORS®


Requesting Time or Assistance to Review a Scenario

For Direct One-On-One Assistance, Click Me!


Please contact Andrew Vidales at [email protected] for more information.


Top Searches