Prepare to be “Homeownership Ready”

A free, optional session offered by Peoples Bank for prospective KulshanCLT homebuyers

Join this informative
in-person session focusing on credit on
May 13.

Offered as a perk for KulshanCLT applicants, participation is not required.

Homeownership Preparation Workshop with Peoples Bank

Join Whitney Tjoelker, Senior Mortgage Loan Officer at Peoples Bank, for a practical, approachable session (free of charge) that breaks down what it really takes to prepare for a mortgage and become “homeownership ready.”

This session offers the opportunity to get clear, honest information and ask questions in a supportive environment. It is not required of KulshanCLT applicants.

What you’ll learn:

  • The Five C’s of Credit: and how lenders actually evaluate your readiness

  • Smart do’s and don’ts when preparing your credit

  • How to think about budgeting for a home (beyond what a bank says you can afford)

  • What to expect with mortgage payments, closing costs, and ongoing expenses

  • Down payment assistance programs and loan options available in Washington

  • Key steps in the mortgage process, from application to closing

Whether you’re ready to buy soon or just starting to explore, this session will help you understand your options as a prospective KulshanCLT homeowner so you can feel prepared for what’s ahead.

Event Details:
Tuesday, May 13, 2026
5:00 PM – Snacks & refreshments
5:30 – 7:00 PM – Class

Location:
Laurel Building
3101 Newmarket Street
Bellingham, WA 98226
(Across the parking lot from the Peoples Bank Barkley Financial Center)

Cost: Free
Space is limited to 15. Registration is required.