LIVE VIRTUAL EVENT

Buying a Home in the Central Valley in a

7% Market

How smart buyers in the Central Valley are buying homes at today’s rates, with a monthly payment that actually fits their life.

Thursday, October 22nd @ 7:00 PM PT

Online

What You'll Learn

Everything You’ll Learn in

Buying at 7%

In just 60 minutes, you’ll know exactly how smart buyers are making today’s market work for them.

The Truth About 7%

Why rates around 7% may not be the bad news the headlines make them out to be.

Cash, Credit & Capacity

The three pillars every lender looks at, and how to strengthen each one.

Payment, Down Payment & Price Point

What really goes into a monthly payment, and why many buyers don’t need 20% down.

Ask for a Credit, Not Just a Price Cut

How a seller credit can lower your payment more than twice as much as the same price reduction.

Buy Down Your Rate, Qualify for More

How a permanent buydown can lower your payment and help you qualify for more home.

Real Buyer Stories

Recent buyers who made it work at today’s rates, and exactly how we did it.

Meet Your Host

Learn From a Trusted Expert

Justin Kautz

Mortgage Loan Officer I NMLS#913358

I’ve spent 22 years helping families in the Central Valley buy homes, more than 1,400 of them. When the housing crash hit in 2008, I moved into underwriting and spent five years as a Senior Underwriter at Wells Fargo and CashCall Mortgage. In 2013, I went back to helping buyers directly, and that underwriting experience changed how I work: I know exactly how lenders look at a loan file.

I focus on building a payment you’re comfortable with, not just a loan that fits a box. I’ll listen first and show you your options side by side. And I want to make it clear: whether you buy now or decide to hold off, I’m with you. I’m on your timeline.

Success Stories

Join Hundreds of Happy Homeowners

★★★★★

"This class gave me the confidence to finally make an offer. I closed on my first house 3 months later!"

Sarah M.

★★★★★

"I had no idea about the maximum seller credits. These credits allowed me to obtain a much better rate!"

Michael T.

★★★★★

"Incredible class. Practical, actionable advice and real strategies that work in today's market."

Jessica L.

Register Now

Rates Are Around 7%. Your Plan Starts Here

This isn’t a sales pitch. It’s a straight-talk class for Central Valley buyers who want to know what’s really possible at today’s rates: what goes into a monthly payment, how seller credits and rate buydowns work, and how real buyers are making it happen right now. Whether you’re ready to buy next month or next year, you’ll leave with clarity, not pressure.

  • Free, no cost or obligation

  • 60-minute LIVE session with real buyer stories

  • Live Q&A with Justin, a mortgage lender with 22 years of experience

  • Free 1-on-1 mortgage plan call for attendees

Reserve Your FREE Seat

Bring your questions. Justin will answer them live.

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Join Me LIVE on Thursday, October 22nd @ 7:00 PM PT

Online and free. Bring your questions, and leave with a clear picture of what buying a home at today’s rates could look like for you.

LIVE VIRTUAL EVENT

Thursday, October 22nd @ 7:00 PM PT

Justin Kautz, Mortgage Loan Officer, NMLS #913358. Individually licensed in California only.

Spot On Lending®, California NMLS #02066654. Licensed by the California Department of Financial Protection and Innovation under the California Financing Law, License #60DBO-154093. Loans made or arranged pursuant to a California Financing Law license. Spot On Lending® is also licensed in Florida (NMLS #MBR5826), Georgia and Texas (NMLS #1767407).

Spot On Lending® (“Inc.”), is an Equal Housing Opportunity Lender. This is not a commitment to lend. All loans subject to credit approval. Verify licensing at www.nmlsconsumeraccess.org.

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