Register to WIN A FREE $50 GIFT CARD when you attend the Get the Facts! Homeownership Class. The FREE ONE HOUR workshops, conducted by Frazier Revitalization Inc. and Freddie Mac provide straightforward information and advice about all aspects of homeownership, including costs associated with home buying and credit history requirements. For example, a 20 percent down payment and perfect credit are no longer the industry standards for getting a mortgage.