Owning a home is a dream that's become more difficult in recent years, but it's not as wearying or time consuming as you might think. To help, Ridgewood Savings Bank is providing free first-time homebuyer seminars in a number of its Bronx and Queens locations throughout the remainder of the year.  These workshops provide honest, helpful advice for potential buyers interested in purchasing a home. The workshops are staffed with professionals from key areas of the home buying process: Ridgewood Savings Bank representatives, mortgage consultants, licensed architects and more. Additionally, Ridgewood has created an online resource, www.joyofhomeownership.com, designed to answer top home-buying questions with a series of quick 2-minute videos. Topics include Rent vs Buy analysis, selecting the right home based on current and future financial status, as well as what to look for during your home inspection.