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<div class="WordSection1">
<p class="MsoNormal">Hi,<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Below is a list of Homeword’s August classes and attached are copies of our brochure and fliers. Please share this information with the MCN group and help us get the word out.<o:p></o:p></p>
<p class="MsoNormal">Thanks!<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="paragraph" style="margin:0in;margin-bottom:.0001pt;vertical-align:baseline">
<span class="normaltextrun"><b><span style="font-size:14.0pt;font-family:"Cambria",serif;color:#365F91">First Time Homebuyer Class</span></b></span><span class="eop"><b><span style="font-size:14.0pt;font-family:"Cambria",serif;color:#365F91"> </span></b></span><b><span style="font-size:9.0pt;font-family:"Segoe UI",sans-serif;color:#365F91"><o:p></o:p></span></b></p>
<p class="paragraph" style="margin:0in;margin-bottom:.0001pt;vertical-align:baseline;user-select: text;-webkit-user-drag: none;-webkit-tap-highlight-color: transparent;overflow-wrap: break-word">
<span class="normaltextrun">Get Ready for HomeOwnership with Homeword!</span><span class="eop"> </span><span style="font-size:9.0pt;font-family:"Segoe UI",sans-serif"><o:p></o:p></span></p>
<p class="paragraph" style="margin:0in;margin-bottom:.0001pt;vertical-align:baseline;user-select: text;-webkit-user-drag: none;-webkit-tap-highlight-color: transparent;overflow-wrap: break-word">
<span class="eop"><b>Location: ONLINE!<o:p></o:p></b></span></p>
<p class="paragraph" style="margin:0in;margin-bottom:.0001pt;vertical-align:baseline">
<span class="eop"><b>Date: August 8, 2020 from 9-6pm<o:p></o:p></b></span></p>
<p class="paragraph" style="margin:0in;margin-bottom:.0001pt;vertical-align:baseline">
<span style="font-size:9.0pt;font-family:"Segoe UI",sans-serif"><o:p> </o:p></span></p>
<p class="paragraph" style="margin:0in;margin-bottom:.0001pt;vertical-align:baseline;user-select: text;-webkit-user-drag: none;-webkit-tap-highlight-color: transparent;overflow-wrap: break-word">
<span class="normaltextrun"><span style="color:black;background:white">Thinking of buying a home? Learn the basics of the homebuying process through our nationally-certified HomeOwnership Class.</span></span><span class="eop"> </span><span style="font-size:9.0pt;font-family:"Segoe UI",sans-serif"><o:p></o:p></span></p>
<p class="paragraph" style="margin:0in;margin-bottom:.0001pt;vertical-align:baseline;user-select: text;-webkit-user-drag: none;-webkit-tap-highlight-color: transparent;overflow-wrap: break-word">
<span class="eop"> </span><span style="font-size:9.0pt;font-family:"Segoe UI",sans-serif"><o:p></o:p></span></p>
<p class="paragraph" style="margin:0in;margin-bottom:.0001pt;vertical-align:baseline;user-select: text;-webkit-user-drag: none;-webkit-tap-highlight-color: transparent;overflow-wrap: break-word">
<span class="normaltextrun">Our Homebuyer Class will teach you how to:</span><span class="eop"> </span><span style="font-size:9.0pt;font-family:"Segoe UI",sans-serif"><o:p></o:p></span></p>
<p class="paragraph" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-indent:0in;mso-list:l0 level1 lfo2;vertical-align:baseline;user-select: text;-webkit-user-drag: none;-webkit-tap-highlight-color: transparent;overflow-wrap: break-word">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><span class="normaltextrun">Select a lender</span><span class="eop"> </span><o:p></o:p></p>
<p class="paragraph" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-indent:0in;mso-list:l0 level1 lfo2;vertical-align:baseline;user-select: text;-webkit-user-drag: none;-webkit-tap-highlight-color: transparent;overflow-wrap: break-word">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><span class="normaltextrun">Determine what you can afford</span><span class="eop"> </span><o:p></o:p></p>
<p class="paragraph" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-indent:0in;mso-list:l0 level1 lfo2;vertical-align:baseline;user-select: text;-webkit-user-drag: none;-webkit-tap-highlight-color: transparent;overflow-wrap: break-word">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><span class="normaltextrun">Use your credit wisely</span><span class="eop"> </span><o:p></o:p></p>
<p class="paragraph" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-indent:0in;mso-list:l0 level1 lfo2;vertical-align:baseline;user-select: text;-webkit-user-drag: none;-webkit-tap-highlight-color: transparent;overflow-wrap: break-word">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><span class="normaltextrun">Distinguish between different types of loans</span><span class="eop"> </span><o:p></o:p></p>
<p class="paragraph" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-indent:0in;mso-list:l1 level1 lfo4;vertical-align:baseline;user-select: text;-webkit-user-drag: none;-webkit-tap-highlight-color: transparent;overflow-wrap: break-word">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><span class="normaltextrun">Understand home inspections and insurance</span><span class="eop"> </span><o:p></o:p></p>
<p class="paragraph" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-indent:0in;mso-list:l1 level1 lfo4;vertical-align:baseline;user-select: text;-webkit-user-drag: none;-webkit-tap-highlight-color: transparent;overflow-wrap: break-word">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><span class="normaltextrun">Identify special financing programs</span><span class="eop"> </span><o:p></o:p></p>
<p class="paragraph" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-indent:0in;mso-list:l1 level1 lfo4;vertical-align:baseline;user-select: text;-webkit-user-drag: none;-webkit-tap-highlight-color: transparent;overflow-wrap: break-word">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><span class="normaltextrun">Work with a real estate professional</span><span class="eop"> </span><o:p></o:p></p>
<p class="paragraph" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-indent:0in;mso-list:l1 level1 lfo4;vertical-align:baseline;user-select: text;-webkit-user-drag: none;-webkit-tap-highlight-color: transparent;overflow-wrap: break-word">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><span class="normaltextrun">Evaluate the pros and cons of homeownership</span><span class="eop"> </span><o:p></o:p></p>
<p class="paragraph" style="margin:0in;margin-bottom:.0001pt;vertical-align:baseline;user-select: text;-webkit-user-drag: none;-webkit-tap-highlight-color: transparent;overflow-wrap: break-word">
<span class="eop"> </span><span style="font-size:9.0pt;font-family:"Segoe UI",sans-serif"><o:p></o:p></span></p>
<p class="paragraph" style="margin:0in;margin-bottom:.0001pt;vertical-align:baseline;user-select: text;-webkit-user-drag: none;-webkit-tap-highlight-color: transparent;overflow-wrap: break-word">
<span class="normaltextrun">This 9 hour class is taught by a Homeword’s HUD Certified Housing Counselor and Homebuyer Educator, Julie Pavlish and other professionals. Registration required. $35 per person. Light refreshments provided. Childcare vouchers are
available upon request for children ages 12 months to 12 years. Register online at </span><span style="font-size:9.0pt;font-family:"Segoe UI",sans-serif"><a href="http://www.homeword.org/" target="_blank"><span class="normaltextrun"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">www.homeword.org</span></span></a></span><span class="normaltextrun"><u><span style="color:blue">.</span></u> Questions?
Call 406.532.4663 x10</span><span class="eop"> </span><span style="font-size:9.0pt;font-family:"Segoe UI",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal"><b><i><span style="font-size:13.5pt;font-family:"Times New Roman",serif;color:#0B5394"><o:p> </o:p></span></i></b></p>
<p class="paragraph" style="margin:0in;margin-bottom:.0001pt;vertical-align:baseline">
<span class="normaltextrun"><b><span style="font-size:14.0pt;font-family:"Cambria",serif;color:#365F91">Rent Wise Workshop</span></b></span><span style="font-family:"Cambria",serif;color:#365F91"><br>
</span><span class="normaltextrun">Homeword’s Free Online Rent Wise Workshop </span><span class="scxw147726755"> </span><br>
<span class="normaltextrun"><b>Location: ONLINE!</b><o:p></o:p></span></p>
<p class="paragraph" style="margin:0in;margin-bottom:.0001pt;vertical-align:baseline">
<span class="normaltextrun"><b>Date: August 13, 2020 from 3-5pm or August 27, 2020 from 5:30-7:30pm<o:p></o:p></b></span></p>
<p class="paragraph" style="margin:0in;margin-bottom:.0001pt;vertical-align:baseline">
<span class="eop"> </span><o:p></o:p></p>
<p class="paragraph" style="margin:0in;margin-bottom:.0001pt;vertical-align:baseline">
<span class="normaltextrun"><b><span style="color:#222222">Are you rent wise? Our free Rent Wise workshop will teach you the keys to successful renting, including:</span></b> </span><span class="eop"> </span><span style="font-size:9.0pt;font-family:"Segoe UI",sans-serif"><o:p></o:p></span></p>
<p class="paragraph" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-indent:0in;mso-list:l2 level1 lfo6;vertical-align:baseline;user-select: text;-webkit-user-drag: none;-webkit-tap-highlight-color: transparent;overflow-wrap: break-word">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><span class="normaltextrun">How your credit score impacts renting </span><span class="eop"> </span><o:p></o:p></p>
<p class="paragraph" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-indent:0in;mso-list:l2 level1 lfo6;vertical-align:baseline;user-select: text;-webkit-user-drag: none;-webkit-tap-highlight-color: transparent;overflow-wrap: break-word">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><span class="normaltextrun">How to improve your credit score for renting </span><span class="eop"> </span><o:p></o:p></p>
<p class="paragraph" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-indent:0in;mso-list:l2 level1 lfo6;vertical-align:baseline;user-select: text;-webkit-user-drag: none;-webkit-tap-highlight-color: transparent;overflow-wrap: break-word">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><span class="normaltextrun">Common reasons for rental rejections and how to move past them </span><span class="eop"> </span><o:p></o:p></p>
<p class="paragraph" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-indent:0in;mso-list:l2 level1 lfo6;vertical-align:baseline;user-select: text;-webkit-user-drag: none;-webkit-tap-highlight-color: transparent;overflow-wrap: break-word">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><span class="normaltextrun">Savings goals for overcoming renting barriers </span><span class="eop"> </span><o:p></o:p></p>
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<span class="normaltextrun"><span style="color:#313131">This workshop focuses on the impact of credit and rental history, how to improve your credit score, and the strategies and tools to overcome rental barriers to establish a good relationship with your landlord.</span> </span><span class="eop"> </span><span style="font-size:9.0pt;font-family:"Segoe UI",sans-serif"><o:p></o:p></span></p>
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<span class="normaltextrun"><i><span style="color:#313131">Rent Wise is about learning how to overcome negative perceptions and rental barriers to become a great renter. Homeword is here to help teach you the tools and judgment skills to advocate for your goals
and get into and stay in a rental home. <b>For more information about the course, please review the </b></span></i></span><span style="font-size:9.0pt;font-family:"Segoe UI",sans-serif"><a href="https://homewordmt-my.sharepoint.com/:b:/g/personal/erin_homeword_org/EfC5OwoaV2REpKznsj5IV0MBDQlOD0ELCtSAhYiNkb64Xg?e=WZZMRw" target="_blank"><span class="normaltextrun"><i><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1155CC">Key
Topics</span></i></span></a></span><span class="normaltextrun"><b><i><span style="color:#313131">. </span></i></b>Register online at: </span><span style="font-size:9.0pt;font-family:"Segoe UI",sans-serif"><a href="https://homewordscheduling.as.me/?appointmentType=category:Rent%20Wise" target="_blank"><span class="normaltextrun"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">homeword.org</span></span></a></span><span class="normaltextrun"> or call
406.532.4663 x10.</span><span class="eop"> </span><span style="font-size:9.0pt;font-family:"Segoe UI",sans-serif"><o:p></o:p></span></p>
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<p class="MsoNormal" style="vertical-align:baseline"><b><span style="font-size:14.0pt;font-family:"Cambria",serif;color:#365F91">Financial Skill Building Class
</span></b><b><span style="font-size:9.0pt;font-family:"Segoe UI",sans-serif;color:#365F91"><o:p></o:p></span></b></p>
<p class="MsoNormal" style="vertical-align:baseline">Homeword’s Free Financial Skill Building Class <o:p></o:p></p>
<p class="MsoNormal" style="vertical-align:baseline"><b>Location: ONLINE!<o:p></o:p></b></p>
<p class="MsoNormal" style="vertical-align:baseline"><b>Date: August 22, 2020 from 5:30-9:00 pm<o:p></o:p></b></p>
<p class="MsoNormal" style="vertical-align:baseline"><span style="font-size:9.0pt;font-family:"Segoe UI",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal" style="vertical-align:baseline"> We believe financial resilience comes from having the financial judgement and decision-making skills to dodge pitfalls and make the right money moves for your future. <span style="font-size:9.0pt;font-family:"Segoe UI",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal" style="vertical-align:baseline">Come build your financial skills in this free class where you'll learn about the 8 essential topics of your complex financial world. After this class, you will be empowered to navigate your financial world
today and advocate for your future. The class includes COVID-19 specific information throughout to help you through this challenging time. <span style="font-size:9.0pt;font-family:"Segoe UI",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal" style="vertical-align:baseline">Learn how to take charge of your financial life, including: <span style="font-size:9.0pt;font-family:"Segoe UI",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal" style="vertical-align:baseline">• Maintaining a living breathing budget <span style="font-size:9.0pt;font-family:"Segoe UI",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal" style="vertical-align:baseline">• Building judgement and risk assessment for your money <span style="font-size:9.0pt;font-family:"Segoe UI",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal" style="vertical-align:baseline">• Learning how to manage and grow your credit score <span style="font-size:9.0pt;font-family:"Segoe UI",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal" style="vertical-align:baseline">• Using banking to open financial opportunities <span style="font-size:9.0pt;font-family:"Segoe UI",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal" style="vertical-align:baseline">• Understanding how to invest for your future <span style="font-size:9.0pt;font-family:"Segoe UI",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal" style="vertical-align:baseline">• Managing tax liability <span style="font-size:9.0pt;font-family:"Segoe UI",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal" style="vertical-align:baseline">• Leveraging health insurance: how to pay less and protect yourself from medical expenses <span style="font-size:9.0pt;font-family:"Segoe UI",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal" style="vertical-align:baseline">• Understanding student loans and repayment options <span style="font-size:9.0pt;font-family:"Segoe UI",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal" style="vertical-align:baseline">Classes are taught by Homeword’s Financial Educator, Katie Sadowski, and other professionals. Classes are FREE and open to the public. Join us for our next virtual class by registering online at
<a href="http://www.homeword.org">www.homeword.org</a>.Questions? Please call me at 406.532.4663 x10. <span style="font-size:9.0pt;font-family:"Segoe UI",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal"><b><i><span style="font-size:13.5pt;font-family:"Times New Roman",serif;color:#0B5394"><o:p> </o:p></span></i></b></p>
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<p class="MsoNormal"><b><i><span style="font-size:13.5pt;font-family:"Times New Roman",serif;color:#0B5394"></span><span style="color:#0B5394"><o:p></o:p></span></i></b></p>
<p class="MsoNormal"><b>Erin Ojala<o:p></o:p></b></p>
<p class="MsoNormal"><b>Administrative Specialist<o:p></o:p></b></p>
<p class="MsoNormal">Homeword, Inc.<br>
1535 Liberty Lane Suite 116A<br>
Missoula, MT 59808<o:p></o:p></p>
<p class="MsoNormal">Ph: (406) 532-4663 x10<o:p></o:p></p>
<p class="MsoNormal">F: (406) 541-0239<o:p></o:p></p>
<p class="MsoNormal"><a href="mailto:erin@homeword.org">erin@homeword.org</a><o:p></o:p></p>
<p class="MsoNormal"><a href="http://www.homeword.org/">www.homeword.org</a> | <a href="https://www.facebook.com/HomewordMT/">
Find us on Facebook</a><o:p></o:p></p>
<p class="MsoNormal"><i><span style="font-size:12.0pt"><o:p> </o:p></span></i></p>
<p class="MsoNormal"><b>Homeword uses sustainable methods to strengthen Montana communities by teaching homebuyer education and financial skill building and creating safe, healthy homes people can afford.<o:p></o:p></b></p>
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privileged and confidential information intended solely for the use of the intended recipient(s). Any unauthorized reading, distribution, copying, or other use of this communication (or its attachments) is strictly prohibited. Please notify the sender if you
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