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SAN DIEGO (KGTV) — Small businesses trying to stay afloat amid coronavirus restrictions can apply for up to million in forgivable low-interest loans to help them get by. The Federal Small Business Administration has opened its application site for businesses with fewer than 500 employees to apply for the loans, which would have an interest rate of no more than 4 percent. The loans are part of the stimulus package Congress and the President authorized last week. They are meant to help small businesses maintain payroll and meet essential obligations like rent, mortgages and utilities at a time social distancing has eliminated most consumer spending. RELATED: Coronavirus aid: How to help your neighborsIf an employer uses the money as intended, the government says it will forgive the loans."Forgiveness is based on the employer maintaining or quickly rehiring employees and maintaining salary levels," according to the Small Business Administration. "Forgiveness will be reduced if full-time headcount declines, or if salaries and wages decrease."Kelly DuFord Williams, a managing partner at Slate Law Group, says this is an unprecedented opportunity for small businesses, given the low interest loan offer and six months of deferred payments. RELATED: WE'RE OPEN SAN DIEGO: Search open businesses"Small businesses employ a lot of people, especially in San Diego, with such a big entrepreneur community, and the last thing they want is all of us turning off our lights and doing mass layoffs just because of temporary circumstances," Williams said. Jennifer Byard, who owns Communal Coffee in North Park and South Park, said her sales have dropped 75 percent and that she has had to reduce her employees from 22 to eight. Byard plans to take out at least 0,000 to make it through.RELATED: IRS: Distribution of economic impact payments will begin in the next three weeks"I think it's really important for me to have some backup funds right now to be able to reopen, to be able to keep my employees, to pay them more," said Byard, whose shop is now doing takeout only during the day while offering pizza and salad in the evening. For more information on the loans visit SBA.Gov. 2199

SAN DIEGO (KGTV) — San Diego's shifting real-estate market could mean new opportunities for entry-level home buyers.A new study from realestate.com says the rate of appreciation for homes at the lower third of the price range are appreciating at 2.2 percent annually. That's a large drop off from the 10.4 percent price growth those homes saw from 2017 to 2018. “Those homes, priced in the bottom third of the market, have been appreciating the fastest and have seen the least inventory in recent years and price cuts are becoming more common as the balance between buyers and sellers is trending toward evening out," said Skylar Olsen, director of economic research for Zillow Group, which owns realestate.com "That’s not a huge surprise, as annual home-value appreciation has been well above historic norms for some time, and was due to slow back toward normal.”The typical entry level home in San Diego County is now worth 4,500. That's still a hefty price for San Diego renters who are paying an average of about ,000 a month and struggling to save for a down payment. Still, down payment assistance programs are available through the County and San Diego Housing Commission. Additionally, potential buyers can qualify for an F.H.A. loan with as little as 3.5 percent down. And Veterans can buy homes with nothing down through a V.A. loan. Carlos Espinoza and his wife Esther are buying a two-bedroom condo in Rancho Penasquitos for 9,000, the full asking price. They put 12 percent down, which they accumulated by increasing contributions to Carlos's 401(K), then borrowing from that fund. "Save as much as you can, even though sometimes you may feel like it's not enough," Carlos said. "The American Dream is alive again."Rich Kushner, a realtor with Burke Real Estate Consultants, said the most important thing an entry level buyer can do is get pre-approved for a loan. That will cause a seller to take an offer more seriously."Everything's negotiable when you write a contract, but you're going to have a stronger offer if you have a pre-approval letter," Kushner said. Realestate.com says inventory of entry level homes is up 21 percent annually in San Diego. Still, challenges remain. Both Zillow and Bankrate listed San Diego as one of the nation's most challenging housing markets for first-time buyers. 2333

SAN DIEGO (KGTV) -- Six months after closing its doors to the public due to the COVID-19 pandemic, SeaWorld San Diego is reopening through their weekend Zoo Days Bayside BBQ and Brews events. The special event will take place every weekend until SeaWorld can fully open. The park's attractions will be very limited, with guests able to enjoy all outdoor animals exhibits and shows."We’re opening as an accredited zoo and you can come in and enjoy all the live animal presentations we’re world famous for like the Orca Encounter, dolphins, Sea Lions Live and all the outdoor exhibits that people love and miss," said SeaWorld Park President Marilyn Hannes..Among closed signs for indoor exhibits, game rooms and rides, guests will also notice dozens of sanitizer stations, distance markers and download codes for digital park maps spread throughout.Visitors will also be able to continue enjoying the tide pool areas. "The water is highly filtrated, each of the systems were designed to be a touch pool so they have a high filtration and so that constant turnout makes it safe to do the interaction," Hannes said.Although some of the attractions are closed, Hannes said new ones will take its place, adding, "We’ve opened up Vistas to the Bay so we have a new waterfront area where you can that ocean breeze and try craft beers."Zoo Days will take place every Friday through Sunday from 11 a.m.-7 p.m. The event has a limited capacity and purchasing a ticket online acts as a reservation. Click here for more informationAnnual passholders will get discounted rates on tickets, and park officials said passholders will see an automatic expiration extension for their passes. 1680

SAN DIEGO (KGTV) — SeaWorld San Diego is reintroducing its popular annual SoCal Pass as the park prepares to offer new attractions for guests.The SoCal Pass, also known as the "Silver Annual Pass," is available for 1.99, or .24 a month with a down payment, the park says, and contains hundreds of dollars in benefits. The deal is only good online. Pass holders can access the park throughout the year and get free parking, two guest tickets for promotional events, discounts on dining and shopping, and do not have to worry about any blackout dates.RELATED: SeaWorld welcomes new flamingo chicks to the 'flamboyance'The park announced Wednesday it will also extend free admissions for military veterans through July 15, giving veterans and up to three guests free admission.SeaWorld's SoCal Pass comes back just as the park introduces its Tidal Twister roller coaster and updated Journey to Atlantis attraction. The park's summertime Sesame Street Party Parade and nighttime Electric Ocean show also look to bring in guests looking for more entertainment in the park.SeaWorld's offerings will continue into 2020, when the park debuts what it calls the tallest, fastest, and longest dive coaster in California, called "Mako." 1237

SAN DIEGO (KGTV) - SeaWorld San Diego announced Friday an end-of-summer sale with discounts on single and two-day admissions. The park’s seasonal nighttime show, Electric Ocean, will continue through September 2, along with SeaWorld’s summer concert series. The live events are free with park admission. A single-day weekday-only ticket is .99 through the sale. A two-day ticket is available for .99. Tickets must be purchased by Aug. 18 and used by Sept. 30.The offers are available through SeaWorld’s website. 525

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