Events and Seminars for 2019Penn Home Ownership Services (PHOS) offers educational workshops and events throughout the year. These activities are offered free to all Penn faculty and staff as well as employees of the University's Health System. Exploring the PHOS Program* Wednesday, July 17, 2019 HR Learning and Education Large Conference Room 12:30 - 1:30 p.m. 3624 Market Street Featured Lender - Guaranteed Rate Advance Registration is Required Understanding Your Credit Report Friday, July 19, 2019 BSD Large Conference Room, Suite 440A 3401 Walnut Street Featured Lender - Clarifi Advance Registration is Required Managing the Home Buying Process Wednesday, July 24, 2019 HR Learning & Education, Large Training Room 3624 Market Street 12:30 - 1:30 p.m. Featured Lender - Trident Mortgage Advance Registration is Required * Attendance at Exploring the PHOS Program is required in order to move forward with the application process. 
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