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Saturday, December 10, 2005 - Page updated at 12:00 AM

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Real estate calendar

Dec. 11-17

Real-estate classes, seminars and events

Boost credit scores

TUE Find out how to boost your credit rating and get better interest rates for loans and insurance. Learn how to save money and buy a home, even with damaged credit; registration required. 7-9 p.m., Homestead Mortgage, 11411 N.E. 124th St. (Suite 118), Kirkland; free (425-814-1127).

Buying distressed properties

WED Learn how to find and negotiate with distressed-home owners, what mistakes pre-foreclosure investors make and how to avoid them, and how to get a better return than other investors on the same property. Class participants receive free prequalification and a gift certificate good for a free appraisal and credit report; registration required. 6:30-9:30 p.m., Discover U (Northgate), 2150 N. 107th St., Seattle; $45+ $3 materials fee (206-365-0400 or www.discoveru.org).

Plan Ahead

First-time homebuyers

JAN 4 Learn the process of buying and loan qualification. Find out about zero-down and 80/20 loans, credit scoring and loan-qualifying factors; registration required. 6:30-8:30 p.m., Phinney Neighborhood Association Room 6, 6532 Phinney Ave. N., Seattle; free (425-576-3767 or www.evergreenseminar.com).

Ongoing

Nonprofit assistance

ACORN Housing — Nonprofit homebuyer education and loan counseling, free homebuyer counseling services. $20 for credit reports (206-243-4663)

Washington Homeownership Center — Nonprofit referral service providing sources for first-time homebuyers with low to moderate incomes; free (866-600-6466)

HomeSight — Nonprofit group offers credit counseling; $20 includes credit report. Financial series includes information on predatory lending and mortgages, $40 (206-723-4355)

International District Housing Alliance — Nonprofit agency providing multilingual housing-related services, free (206-623-5132)

IDHA — Homeownership education and counseling services in many languages, free (206-623-0122)

Washington Community Housing Network — Free homebuyer seminar, includes credit report, free counseling and information about 10 buyer mistakes to avoid; Saturday classes in Seattle and on the Eastside (425-830-4620)

Real-estate classes and seminars

Homebuyer seminar — Two-part seminar qualifies homebuyers for below-market interest rates; classes include information on buying with no down payment, no closing costs and reasonable interest rates; registration requested. Presented by instructors from Windermere Real Estate, 6:45 p.m. Tuesdays, Windermere Real Estate, 200 112th Ave. N.E., Bellevue, free (425-450-2621)

Buyers and sellers Weekly home-buying seminar endorsed by Washington Education Association; presented by RE/MAX Eastside Brokers and RE/MAX Metro; free (800-792-6005)

Investments — Real-estate investing for the new and small investor: Learn the difference between residential and commercial investments, and ways to get 100 percent financing. Classes in public library once a month by agents from Aatrix Mortgage and RE/MAX; registration required. free (425-482-9115)

Investments — Learn the basics of financial analysis, taxation and planning from a financial analyst, presented by Team Reba; registration required. 6:30-9:30 p.m., $15 (206-706-6563 or www.teamreba.com/events.htm)

Investments — Learn how to buy investment property with no money down; presented by MoneytoLend. 7 p.m., Tuesdays, 13 Central Way, Kirkland; free (425-417-3863)

Homebuyer seminar — Two-part seminar qualifies homebuyers for below-market interest rates; classes include information on buying with no down payment and no closing costs; learn the best buyer-negotiation strategies; registration requested. 6:45 p.m. Tuesdays, Windermere Real Estate, 11411 N.E. 124th St., Kirkland; free (425-354-1823)

Homebuyers — Learn about strategies, credit issues and zero-down loan programs; presented by HomeStone Mortgage; registration requested. 7 p.m. Wednesdays, Bellevue Hilton, 100 112th Ave. N.E., Bellevue; free (206-795-3505)

Homebuyers — Two-part seminar on topics including credit reports, loan programs and what is required to buy housing; presented by Eagle Home Mortgage; registration requested. 6:30 p.m. Wednesdays, 9:30 a.m. Saturdays, 10510 N.E. Northup Way, Kirkland; free (425-822-6733)

Investment — Learn how to exchange property without paying taxes; Wilson Realty Exchange; registration requested. 7 p.m. Wednesdays, 16910 15th Ave. N.E., Seattle; free (206-216-3537)

Home selling — Find out how to market homes and get them into shape to sell; Windermere Real Estate; registration requested. 7 p.m. Thursdays, noon Saturdays, 200 112th Ave. N.E., Bellevue; free (425-450-2622)

Investing — Learn to make money by investing in rental properties; find out where to get the money, how to shop for the best deals and how to crunch the numbers; registration required. 6:45-9:45 p.m., second and fourth Thursdays of month, CityBank Home Loan Center, 11832 Mukilteo Speedway, Mukilteo; free (425-885-2634)

Real Estate submissions must be received at least three weeks before publication. E-mail homecalendar@seattletimes.com, fax 206-464-2239, or mail to Christopher Taylor, Real Estate Calendar, Seattle Times, P.O. Box 70, Seattle, WA 98111.

Copyright © 2005 The Seattle Times Company

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