MAX RAFFERTY

San Diego County

Kristina Houck

San Diego Metropolitan Area

Santee

California

Jamie Gatlin

La Mesa-Mount Helix

Lemon Grove

Poway

San Diego

Rancho Bernardo-4s Ranch

Del Mar-Carmel Valley

La Jolla

Ramona

Coronado

Escondido

<h3>Think buying a home in San Diego is out of reach? You may be closer than you think!</h3>
With high home prices, mortgage rates and everyday expenses, it's easy to assume that homeownership just isn't possible. But what if there are programs and strategies you haven't heard about that could help make buying a home more affordable?
Join top San Diego real estate professionals Kristine Kappel and Whitney Vazza&nbsp;of Kappel Realty Group for a FREE, in-person homebuying seminar and complimentary dinner! Our team has helped buyers receive more than $1 million in FREE money to buy a home - and now we can help you!
<a href="https://www.eventbrite.com/e/can-you-really-afford-to-buy-a-home-in-san-diego-tickets-2003365076874" rel="nofollow noopener" target="_blank">Register Here</a>
We'll break down the numbers, explain your options and share real-world strategies to help you understand what it actually takes to buy a home in today's market.
<h3>What You'll Learn</h3>
FREE Money &amp; Down Payment Assistance: Learn about programs that may help cover your down payment and closing costs, including options for buyers who earn up to $260,000!
How Much Money Do You Really Need? Forget the myth that you need 20% down! We'll explain low-down-payment options and the actual costs of buying a home.
Ways to Make Your Monthly Payment More Affordable: Discover how seller credits, mortgage rate buydowns and smart negotiation strategies help reduce your upfront costs and monthly payments.
Real San Diego Homebuying Examples: See how different purchase prices, financing options and assistance programs can impact your buying power.
Your Path to Homeownership: Learn what steps to take now, whether you're ready to buy soon or just starting to explore your options.
<h3>Who Should Attend?</h3>
This seminar is perfect for:
<ul><li>First-time homebuyers who aren't sure where to start</li><li>Renters wondering whether buying could be possible</li><li>Buyers who have good incomes but haven't saved a large down payment</li><li>Anyone interested in down payment assistance programs</li><li>People who want to buy in the next 3–24 months</li><li>Anyone who wants honest answers about today's San Diego housing market</li></ul>
You do NOT need to be preapproved or ready to buy to attend!
<h3>Event Details</h3>
Thursday, November 12, 2026
5:30–6 PM: Free Dinner &amp; Networking
6 –7 PM: Homebuying Seminar &amp; Q&amp;A
Location: Compass Real Estate – Mission Valley
8889 Rio San Diego Drive, Suite 200
San Diego, CA 92108
FREE PARKING | FREE DINNER | FREE ADMISSION
<h3>Meet Your Hosts</h3>
Kristine Kappel &amp; Whitney Vazza
Kappel Realty Group | Compass Real Estate
Kristine and Whitney are members of Kappel Realty Group at Compass, helping San Diego buyers navigate the homebuying process with personalized guidance, market knowledge and creative financing strategies.
Kristine (Caldre 02138567) specializes in helping buyers access down payment assistance and has helped her clients obtain approximately $500,000 in assistance over the past four years. Having personally used down payment assistance to purchase her first home, she understands firsthand how these programs can help open the door to homeownership.
Whitney (Caldre 02214376) loves helping first time homebuyers reach their goals. She uses her background in marketing and communications to expertly guide buyers and skillfully negotiate maximum seller credits and price reductions, helping her buyers achieve homeownership.
Together, Kristine and Whitney are passionate about educating buyers, explaining their options and helping them make informed decisions without pressure.
<h3>Save Your Seat!</h3>
Space is limited. Dinner is provided at no cost to attendees.
<a href="https://tinyurl.com/Nov12Homebuying" rel="nofollow noopener" target="_blank">Register today</a>&nbsp;and bring a friend, partner or family member who's interested in learning about homeownership!
No pressure. No obligation. Just practical information, real examples and answers to your questions.
Down payment assistance and loan program eligibility vary based on individual qualifications, program guidelines and funding availability. Examples are educational and do not constitute a guarantee of financing or assistance.

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