THE REAL PROBLEM

You do not know what you do not know.

You can Google anything.

You can ask ChatGPT anything.

But the hard part is knowing what to ask in the first place.

If you do not know something matters, you do not know to ask about it.

That is where buyers get stuck.

This class gives you the bigger picture before you are in the middle of buying a house trying to figure it out as you go.

There are blind spots. You probably have some. Come find them.

What you will know when you leave

• What lenders actually look at when deciding whether you qualify

• How much cash you need to plan for

• What affects the payment you will actually have each month

• What happens before, during, and after preapproval

• What can stop or slow down an approval

• What you should start doing now if you want to buy later

• Which home loan myths are completely wrong

• The questions most buyers do not think to ask until it is too late

• What your next move should be based on where you are today

You do not need to memorize any of this. You just need to know it exists.

LET’S KILL THIS MYTH RIGHT NOW

20% down is not required to buy a home.

Neither is a perfect financial life.

A lot of people spend years waiting because they think they need more savings, better credit, less debt, or the “perfect” time.

Sometimes they do need to work on something first.

Sometimes they are much closer than they think.

The point is to know which one you are.

WHAT IF I AM NOT READY TO BUY YET?

Even better.

If you are 3 months away, 6 months away, a year away, or you honestly have no idea when you will buy, this class is still for you.

The earlier you know what lenders look at, the more time you have to get your money right, fix anything that needs attention, and make a real plan.

You do not need to wait until you are ready to buy to learn how buying works.

You should know how it works before you are ready.

HUGE BONUS • TWO LICENSED PROFESSIONALS

Live Mortgage Lender
+ Live Arizona Real Estate Agent Q&A

I will handle the mortgage and money side. An Arizona Realtor will join me during the webinar to cover the real estate side and answer your questions.

Bring your questions.

You get both sides of the deal in one place, live.

No bouncing between TikTok, Google, family members, Reddit, and five different people giving you five different answers.

BONUSYour exclusive Roxstar platform. Personalized to your numbers.Get access to Roxstar Financial's exclusive interactive homeownership platform—created by Roxana to help you explore your own situation before you apply.Start with your numbers: enter your monthly gross income and monthly debt payments to explore your estimated buying power and debt-to-income ratio (DTI). See how your numbers affect your estimated home price and monthly payment.Personalize your cash-to-close estimate: explore your down payment, closing costs, and how seller help could change the cash you need at closing.

Keep your next-step guide: download a personalized estimate snapshot plus a 7-page Homebuyer Kit with a document checklist, common myths, and the path from prequalification to getting your keys. Planning estimates only; a lender must confirm your numbers.

WHY I AM DOING THIS

Renting should be a choice.

Too many people keep renting longer than they need to because they think buying takes more money, better credit, or a more perfect financial life than it really does.

It should not be the result of bad information.

My goal with this class is simple. I want as many people as I can reach to understand what homeownership actually takes, so they can make that decision with real facts instead of fear, TikTok, or something somebody told them 10 years ago.

That is why I created this masterclass.

YOUR HOST● LIVE WEDNESDAY, NOVEMBER 18 • 7:00 PM ARIZONA TIME

Roxana Brannan

Founder, Roxstar FinancialAn exclusive homeownership platform with calculators personalized to your income and monthly debts—helping you turn ‘I want to buy someday’ into a clearer plan to own.

I am an immigrant from Romania, an Army veteran, and a licensed mortgage loan officer here in Arizona.

I spent a lot of my life moving. Different countries, different schools, more homes than I can count. For a long time, nothing ever really felt permanent.

I eventually had to figure money out for myself, and that road is what led me into finance and mortgages.

Now I help people understand the money side of buying a home and build a plan to actually get there.

I never felt like I belonged anywhere. Now I help people build somewhere they do.

That is why this is personal for me.

This class is for you if...

• You are already thinking about buying.

• You think you might buy sometime next year.

• You keep saying “maybe later” because you are not sure where to start.

• You think you need 20% down.

• You are worried about your credit.

• You make decent money but still have no idea whether you qualify.

• You have been Googling, scrolling, asking AI, or listening to friends and still feel like you are piecing the whole thing together.

Or maybe you simply realized something while reading this page:

There are probably questions about buying a home that you do not even know to ask yet.

That is exactly why you should come.

Spend 30 minutes finding your blind spots before you spend another 6 or 12 months guessing.

SAVE MY SEAT