Live Q&A Tonight: Bring Your Mortgage and Homebuying Questions

If you have ever sat through a webinar that ended with "feel free to reach out if you have questions" and then nothing else, tonight is not that. The free first-time homebuyer webinar on Thursday, October 15, 2026, 7 PM CT ends with a live Q&A where I take your questions directly, in the room, out loud. This article is your preparation guide: how the Q&A works, what to bring, and why you should attend even if you are months away from buying.

How does the live Q&A work?

It is deliberately simple:

1. Save your seat and show up live at 7 PM Central tonight.
2. Type your question in the chat, or raise your hand if you prefer to speak.
3. I answer it out loud during the session, in front of everyone, with real numbers where they help.
4. You keep the answer, and the rest of the room gets the benefit of your question too.

No telesales script, no "book a call to find out the answer" gate. You ask, I answer, and I do not need anything from you to do it. The agenda for the rest of the session is in my what you'll learn tonight preview.

What kinds of questions should you bring?

If it is part of buying a home, it qualifies. The categories people ask about most are:

• Credit. What credit score do I need? How do I raise mine before buying?
• Down payment. How much do I actually need? Can I buy with little money down?
• Down payment assistance. Do real DPA programs exist in Texas, and how do they work?
• Pre-approval. Should I get pre-approved before looking at homes? What documents are required?
• FHA versus conventional versus VA. Which loan fits my situation?
• Offers. How do I compete in a multiple-offer situation? What is the option period?
• Inspections. What does the inspector check, and what do I do with the report?
• Closing costs. How much are they, and what can I negotiate?

The loan options we compare in the session

A big slice of the Q&A is usually loan choice. Here is the plain-English version of the table I walk through live. These are general guidelines, and your situation is individual, which is exactly why the live part matters:

General guidelines for 2026, shown as examples to learn from, not quotes for your loan. Your actual qualifying numbers come from your own loan application.

Deeper dives on each: FHA loans explained, the VA home buying guide, and the first-time buyer loan comparison.

Who should attend even if you are months away from buying?

This is one of the most common myths about a buyer's webinar: that you should only show up when you are ready to make an offer. The opposite is closer to the truth. Come early if you:

• Are still saving the down payment and want to know the real target number
• Are building credit and want to know what matters and what does not
• Cannot decide between FHA and VA and want a side-by-side answer
• Are researching neighborhoods and schools before you tour anything
• Want to understand the entire process before your first showing

The education in the session is the same whether you are shopping this week or shopping next year. The difference is that the buyer who learns first gets to make decisions calmly, instead of reacting under an option period deadline.

What if you do not have a question yet?

Come anyway and listen. The live Q&A covers the questions people actually ask before they call me, and hearing them is as valuable as asking your own. Expect the room to ask things like:

• Where do I even start when buying a house?
• Can I buy a house with little money down?
• How much house can I afford?
• Should I get pre-approved before looking at homes?
• How much are closing costs?
• What happens during a home inspection, and what if the appraisal comes in low?
• What should I avoid doing before closing?

If one of those is yours, you came to the right night. The free 169-page Roadmap guide post explains the companion guide tied to tonight, and the offers and inspections and closing costs topics get full airtime in the Q&A too.

Can you reach Patrick outside the session?

Yes, and this is part of how I work, not just what I say in a webinar. I answer the phone at 210-317-6514, I read and reply to comments on the Mortgage Patriot YouTube channel, and email reaches me at pfagan@nexalending.com. If you cannot make the Q&A but want an answer, you are still on your side of the line with someone who answers.

Frequently Asked Questions