First-Time
Home Buyer
Workshop.
Learn how to buy in today's Bay Area market — free, in-person, and built for first-time buyers. No jargon. No pressure. Just real answers from local experts.
Takes 60 seconds. Seating is limited.
Two hours that replace
weeks of Googling.
The Bay Area market is intimidating. Prices feel out of reach, the process is confusing, and everyone gives conflicting advice. This workshop is built for people who are tired of guessing — local experts, real numbers, and the kind of straight talk that actually helps you take the next step.
Local expertise
Experts who actually close deals in Daly City, Colma, South SF, and the Peninsula — not generic national advice.
Real numbers, no jargon
We'll walk through actual monthly payments, real down payments, and what your income today can actually buy.
Programs you haven't heard of
Down payment assistance, low and no-money-down options, and California-specific programs most first-time buyers miss.
What you'll walk away with.
Seven topics. Two hours. Designed so you leave with a clear next step — not more questions.
The home buying process, end to end
From getting pre-approved to closing day — see the entire journey laid out so nothing surprises you.
Mortgage options that fit you
Conventional, FHA, VA, and beyond — which one fits your situation and what the trade-offs actually mean.
Down payment assistance in California
State and local programs designed to help first-time buyers — including ones most people have never heard of.
Buying with little to no money down
Strategies and loan types that don't require 20% — and how to evaluate whether they're right for you.
Bay Area market — right now
What's actually happening with inventory, prices, and competition across Daly City and the Peninsula in 2025/26.
Long-term benefits of homeownership
Equity, tax advantages, and generational wealth — what owning actually does for your family over time.
Live Q&A with mortgage, real estate, and insurance pros
Bring your questions. The whole panel stays to answer them — no question is too basic, no scenario too specific.
Easy to find.
Easier to attend.
Seating is limited — RSVP confirms your spot.
A real panel.
Real local experience.
Four licensed professionals who work with first-time buyers across the Peninsula every week. Come with questions — they'll stay until you have answers.
Joseph Sparks
Specializes in walking first-time Bay Area buyers through pre-approval, down payment assistance, and low-money-down loan strategies.
Dorothy Figueroa Rahal
Helps first-time buyers navigate competitive Peninsula offers and find the right home for their budget and lifestyle.
Patrick Cayabyab
Explains the homeowners insurance piece of the puzzle — what coverage actually matters and what new buyers often overlook.
Mae Perez
Decades of Bay Area experience helping families — especially Filipino-American buyers — through their first home purchase.
Trusted partners. Community roots.
One of the nation's largest non-bank lenders, providing first-time buyers with a wide range of mortgage options and dedicated local loan officers.
Filipino-American Real Estate Professionals Association, Bay Area Inc. — a community of real estate professionals committed to making homeownership accessible.
In support of our community partners, the City of Daly City is providing the venue at the Tita Alice Bulos Community Hub.
Save your seat — at no cost.
RSVP so we can plan food, materials, and a great Q&A. No obligation, no sales pressure — your info is only used to confirm your spot and send event reminders.
Good questions. Real answers.
Is it really free?
Yes — 100% free. There's no admission, no signup fee, and no obligation. loanDepot is even providing complimentary food and refreshments.
Do I have to be ready to buy right now?
Not at all. Whether you're 30 days out or three years out, this is built for you. Plenty of attendees come just to understand the process and see if homeownership is realistic for them.
Can I bring my spouse, partner, or parents?
Absolutely — please do. Many first-time buyers are making this decision with family. Just include guest count in your RSVP so we can plan seating and food.
Do I need good credit to attend?
No. This workshop is for everyone — whatever your credit situation looks like today. We'll cover how credit works in mortgage qualification and how to improve it if needed. No one will check your credit.
Will anyone try to sell me a loan?
No high-pressure sales. This is an educational workshop. If you want to follow up afterward with Joseph or one of the realtors, they'll be available — but that's entirely your call.
Is parking available?
Street parking is available near 139 D Street. We recommend arriving 10–15 minutes early to find a spot and check in. We'll send detailed parking and check-in info in your confirmation email.
Will the workshop be recorded?
This is an in-person experience designed for live Q&A. If a recording or follow-up resource becomes available, RSVPs will get first access via email.
What if I have a really specific question?
Bring it. We've built in plenty of time for live Q&A across all four experts — mortgage, real estate, and insurance. If your scenario is unique, that's exactly what we're here for.
Takes 60 seconds. We'll send a confirmation right away.
You're closer to buying
than you think.
Two hours. Free food. Real answers from people who close deals in this exact market every week. Come find out where you actually stand.
Wed, May 13 · 6–8 PM · 139 D St, Daly City · Free & open to the public
