💰 Grants. Discounts. Lower Payments.

💰FREE LIVE ONLINE CLASS · COLUMBIA, MO

Don't Make These Costly Mistakes PLUS 60+
Programs to Help You Buy a Home in Texas

Tuesday, April 1st @ 7:00 PM

💰Stop Renting. Start Owning...With Little to Nothing Down.

Wednesday, September 2nd @ 7:00 PM

A free 60-minute class showing Columbia-area renters the down payment assistance programs that can get you into a home without draining your savings.

Taught live by Derek Harjes NMLS #508753

20+ years experience · #1 loan officer at his company since 2019

Register below 👇

What You'll Walk Away With:

Texas offers over 60+ special homebuyer programs designed to help
first-time buyers purchase a home with little to no money down, lower monthly mortgage payments, and even cover closing costs.

If you’ve been thinking about buying a home but feel uncertain about affordability, this webinar will give you the answers you need.

What to expect from this webinar

Buying a home will most likely be the biggest financial investment you'll make in your entire life.

Did you know that majority of people make at least 1 of 5 big mistakes when buying their first home? These mistakes could cost a new home buyer up to Thousands.

It's a lot of money, and there's no "undo" button after making the mistakes. It's very unfortunate - however, you can prevent these mistakes right from the start.

During this online webinar, we will be going over exactly what the 5 big mistakes are. We want to help first-time home buyers like yourself save thousands of dollars.

I bet you'd rather put it towards something else - such as a new car, vacation, renovations, or whatever you like!

Don't make the mistakes, attend the FREE online webinar!

What to expect from this webinar

✅ What a real monthly payment looks like at today's rates...no more guessing

✅ The down payment assistance programs most buyers never even hear about, and how to qualify

✅ How to buy with little to no money out of pocket

✅ The 5 costly mistakes first-time buyers make... and how to dodge every one

✅ A real-world example of buying a home with $0 out of pocket

✅ Your simple next step to go from "just curious" to pre-approved

Meet Derek Harjes

Join home buying expert Bradley Pounds for a FREE, live masterclass on why buying a brand-new home is now cheaper than resale.

Discover hidden builder incentives, massive interest rate buydowns, and exclusive deals that can save you hundreds per month—deals most buyers never hear about.

Learn how to avoid costly mistakes, maximize savings, and get approved faster with expert guidance.

🔹 Reserve your spot for instant access—it’s free!

 No spam. No pressure. Just clear answers.

Wednesday, September 2nd @ 7:00 PM

Only takes 15 seconds to register. Mobile-friendly.

Register now for INSTANT ACCESS!

Don't Make These Costly Mistakes PLUS 60+
Programs to Help You Buy a Home in Texas

Tuesday, April 1st @ 7:00 PM

60+ Programs for Texas First-Time Buyers — You’ve Gotta See This

Wednesday, September 2nd @ 7:00 PM

What if you could buy your first home with help from the state, the feds, and even the builder?

This free 60-minute webinar shows you exactly how.

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These 60+ programs are helping real buyers get:

➡️ Interest rates like it’s 2009

➡️ Prices that feel like 2018

➡️ Monthly bills that look like 1997 (yes — seriously)

What to expect from this webinar

Texas offers over 60+ special homebuyer programs designed to help
first-time buyers purchase a home with little to no money down, lower monthly mortgage payments, and even cover closing costs.

If you’ve been thinking about buying a home but feel uncertain about affordability, this webinar will give you the answers you need.

What to expect from this webinar

Buying a home will most likely be the biggest financial investment you'll make in your entire life.

Did you know that majority of people make at least 1 of 5 big mistakes when buying their first home? These mistakes could cost a new home buyer up to Thousands.

It's a lot of money, and there's no "undo" button after making the mistakes. It's very unfortunate - however, you can prevent these mistakes right from the start.

During this online webinar, we will be going over exactly what the 5 big mistakes are. We want to help first-time home buyers like yourself save thousands of dollars.

I bet you'd rather put it towards something else - such as a new car, vacation, renovations, or whatever you like!

Don't make the mistakes, attend the FREE online webinar!

What to expect from this webinar

✅ How to qualify for grants and zero-down options

✅ Why new construction homes are suddenly the best deals

✅ How to find hidden incentives from builders and lenders

✅ Tips to close fast — even if you’re still renting right now

Plus: We’ll share the 3 biggest mistakes that cause buyers to lose out on the best deals

— and how to avoid them.

Meet Derek Harjes

Join home buying expert Bradley Pounds for a FREE, live masterclass on why buying a brand-new home is now cheaper than resale.

Discover hidden builder incentives, massive interest rate buydowns, and exclusive deals that can save you hundreds per month—deals most buyers never hear about.

Learn how to avoid costly mistakes, maximize savings, and get approved faster with expert guidance.

🔹 Reserve your spot for instant access—it’s free!

 Save Your Free Seat Now!

Wednesday, September 2nd @ 7:00 PM

Only takes 15 seconds to register. Mobile-friendly.

Register now for INSTANT ACCESS!

This week's webinar is sponsored by:
Trophy Signature Homes

Real Stories from Real Buyers

These 60+ programs have already helped thousands of buyers get into homes faster,

cheaper, and with way less stress.

Here’s what past attendees had to say after watching the webinar:

Meet Derek Harjes

For 20+ years, I've helped folks across the Midwest become homeowners, and I've been the #1 loan officer at my company every year since 2019. I specialize in down payment assistance, and my whole focus is showing buyers how to skip the costly mistakes and get into a home with as little out of pocket as possible.

This class isn’t a sales pitch. It’s the exact playbook I walk my own clients through so they don’t get blindsided or overpay.


Ali Hedayatifar, NMLS 1817352. Equal Opportunity Lender. Xpert Home Lending, Inc. dba HyperSmart Home Loans NMLS 2179191. In all states, the principal licensed office of Xpert Home Lending, Inc. is 1100 Satellite Blvd NW, Suwanee, GA 30024; Phone: (916) 474-9051. This is not an offer for extension of credit or commitment to lend. All loans must satisfy company underwriting guidelines. Not all applicants qualify. Information and pricing are subject to change at any time and without notice. The content in this advertisement is for informational purposes only.