POULSBO — Windermere Real Estate Poulsbo and Guild Mortgage Company are offering a free first-time homebuyer education class Jan. 26, 11 a.m., at 19325 Jensen Way NE.

The class is offered in conjunction with the Washington State Housing Finance Commission.

This five-hour class is required for first-time home buyers who want to take advantage of state-sponsored assistance programs.

Participants will learn about programs available through state and county agencies, among them below-market interest rates, down-payment assistance, and the State Mortgage Credit Certificate, which saves buyers 20 percent on their federal income taxes.

To reserve your place, call Terry Burns, (360) 649-3335; or Joan Qvigstad, (360) 271-5946. A light lunch will be served.