Lucy's Events

Where Lucy will be.

Every flyer for an upcoming event lives on this page. If it isn't here, it isn't scheduled yet.

Where Lucy’s been.

Flyers from events that have already run. They stay up as the record of what was advertised and when.

• 

  October 20, 2026

  Don't Just Negotiate Price. Negotiate Payment.

  Live online on Google Meet

  The slides from the class: concessions versus price cuts, temporary and permanent buydowns, seller-paid mortgage insurance, the concession caps by loan type, and the 2-1 buydown by the numbers.

  Download the slides (PDF, 3 MB)

  About these slides: Information in this slide deck is representative only and is not actual loan numbers. Numbers will vary by loan, and nothing here is a rate quote, an offer of credit or a commitment to lend. Rates, APR, payments, concession limits and program availability change daily and depend on credit, property and loan details. Payment examples (slides 11 and 12) assume a 30-year fixed-rate conventional purchase loan with 5% down ($15,000, $20,000 or $25,000 on the $300,000, $400,000 and $500,000 prices) and a seller-paid 2-1 temporary buydown on a 7.40% note rate (Freddie Mac weekly average, October 15, 2026): 12 monthly payments at a 5.40% payment rate, then 12 at 6.40%, then 336 at 7.40%, for 360 payments in all, so the payment increases after the first and second years. Annual percentage rate (APR): 7.178%, assuming no discount points or other prepaid finance charges. Payments are principal and interest only and exclude taxes, homeowners insurance and mortgage insurance, which a conventional loan with 5% down generally requires and which would raise the payment and the APR.

• 

  October 6, 2026

  AI Follow-Up LIVE: Realtor Workshop

  Grounds & Rounds, 55 Mustang Ct, Richmond Hill, GA 31324

Class slides are educational material for real estate professionals, not an offer of credit or a commitment to lend. Lucy Thornton, NMLS #2309294, EDGE Home Finance Corp., NMLS #891464. Equal Housing Opportunity.