Find a lender for downpayment and mortgage assistance programs

March 1, 2024

The first step to purchasing a MOHCD sponsored home is to complete homebuyer education.

Please be advised that our lender partners are working at full capacity. Please allow lenders several weeks to review and process your requests.

List of approved Lenders for the Downpayment and Mortgage Assistance programs who can provide a pre-approval letter for the purchase of market rate housing:

To get a pre-approval letter for the purchase of Below Market Rate units, view the list of lenders who are approved for the Mixed-Income Below Market Rate Program.


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JPMorgan Chase

Elmar Aslami, NMLS 859280
925-605-6775
elmar.aslami@chase.com
BMR, DALP, Accepting new MOHCD clients

Michael Schwartz, NMLS 116548 
650-234-8831
mpschwartz@firstrepublic.com
BMR, DALP, Accepting new MOHCD clients

Rene Perez, NMLS 799392
415-295-2113
rene.perez@chase.com
BMR, DALP, Accepting new MOHCD clients

Ronald Chiu, NMLS 448559
415-867-3035
Ronald.chiu@chase.com
BMR, DALP, Accepting new MOHCD clients

Veronica Martinez, NMLS 286724
415-810-0376
veronica.d.martinez@chase.com
BMR, DALP, Accepting new MOHCD clients

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LaSalle Mortgage Services

Brenda Wyatt , NMLS 314171
510-761-7071
Brenda@LaSalleMortgage.com
BMR, DALP, Accepting new MOHCD clients

Dejon Smith NMLS 2193068
510-761-7071
Dejon@LaSalleMortgage.com
BMR, DALP, Accepting new MOHCD clients

Melody Rose, NMLS 257189
415-577-3469
Melody@LaSalleMortgage.com
BMR, DALP, Accepting new MOHCD clients

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New American Funding, LLC.

Adolfo Bosco Ferretti, NMLS 629140
415-519-7321
adolfo.ferretti@nafinc.com
BMR, DALP, MCC, Accepting new MOHCD clients

Anne Rodrigues Toth, NMLS 330164
925-322 -2378
anne.toth@nafinc.com
BMR, DALP, MCC, Accepting new MOHCD clients

Melanie Crystal Pauly (Monterroa), NMLS 275570
925-496-0275
melanie.monterrosa@nafinc.com
BMR, DALP, MCC, Accepting new MOHCD clients

Tom F. Murphy, NMLS 280320
415-272-2012
Tom.Murphy@Nafinc.com
BMR, DALP, MCC, Accepting new MOHCD clients

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Norcal Capital Group Inc

Winnie Liu, NMLS 339654 (Cantonese, Mandarin)
415-517-2800
Winnieliu1688@gmail.com
BMR, DALP, DK-DALP, MCC, Accepting new MOHCD clients

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PNC Bank National Association

Faviola Tapia, NMLS 929256
916-789-4479
faviola.tapia@pnc.com
DALP, MCC, Accepting new MOHCD clients

Matthew Nguyen, NMLS 694436
510-220-7377
matthew.nguyen@pnc.com
DALP, MCC, Accepting new MOHCD clients

Pippy Guzman (Sou), NMLS 1642116
415-805-3114
pippy.sou@pnc.com
DALP, MCC, Accepting new MOHCD clients

Rickey Bradley, NMLS 1005515
800-762-2000
rickey.bradley@pnc.com
DALP, MCC, Accepting new MOHCD clients

Tony K. Dinh, NMLS 1191250
415-321-9887
tony.dinh@pnc.com
DALP, MCC, Accepting new MOHCD clients

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Primary Residential Mortgage, Inc.

Harry Payne, NMLS 527266
415-252-5070
hpayne@primeres.com
DALP, DK-DALP, MCC, Accepting new MOHCD clients

Kerry Ettinger, NMLS 1710863
415-870-2752
kettinger@primeres.com
DALP, DK-DALP, MCC, Accepting new MOHCD clients

Michael Koran, NMLS 87656
415-252-5070
mkoran@primeres.com
DALP, DK-DALP, MCC, Accepting new MOHCD clients

Renee Ann Tucker, NMLS 255750
415-252-5070
rtucker@primeres.com
DALP, DK-DALP, MCC, Accepting new MOHCD clients

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TSE Financial

Gina Wendy Tse-Louie, NMLS 247148 (Cantonese, Mandarin)
415-566-5363
ginatselouie@tsefinancial.biz
BMR, DALP, DK-DALP, MCC, Accepting new MOHCD clients

Matthew Henderson, NMLS 333882 (Spanish)
415-729-6020
MatthewH@TSEFinancial.biz
BMR, DALP, DK-DALP, MCC, Accepting new MOHCD clients

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U.S. Bank National Association

Carla Morand NMLS 1036636
415-796-5024
carla.morand@usbank.com
DALP, DK-DALP, MCC, Accepting new MOHCD clients

Cesar Ortiz, NMLS 483481
415-774-2212
cesar.ortiz1@usbank.com
DALP, DK-DALP, MCC, Accepting new MOHCD clients

Leslie D. Harvey NMLS  417783
925-738-1184
leslie.harvey@usbank.com
DALP, DK-DALP, MCC, Accepting new MOHCD clients

Mariza Mancera Soss NMLS 481198
650-344-4194
mariza.mancerasoss@usbank.com
DALP, DK-DALP, MCC, Accepting new MOHCD clients

Sean Crowley NMLS  997988
415-774-2234
sean.crowley@usbank.com
BMR, DALP, DK-DALP, MCC, Accepting new MOHCD clients

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Absolute Home Loans

Scott Keller, NMLS 304647
415-794-7841
smsinsf@pacbell.net
BMR, DALP, DK-DALP, MCC, Accepting new MOHCD clients

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Align Mortgage Consulting Agency, Inc.

Kevin W. Brindley NMLS 353910
415-747-2334
kevin@myhomegateway.com
BMR, DALP, DK-DALP, MCC, Accepting new MOHCD clients

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All California DBA APM

Stacey Stowe, NMLS 1489105
209-890-7548
SStowe@allcalifornia.com
BMR, DALP, DK-DALP, MCC, Accepting new MOHCD clients

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All Elite Loan, Inc

Alvin Huang, NMLS 933303 (Cantonese, Mandarin, Taiwanese)
415-810-5051
alvin@alleliteloan.com
DALP, MCC, Accepting new MOHCD clients

Linda Li,  NMLS 253088  (Cantonese, Mandarin, Taiwanese)
415-725-8686
loans@alleliteloan.com
DALP, MCC, Accepting new MOHCD clients

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Amalgamated Bank

Terry Kitson, NMLS 1571089
212-895-4416
TerryKitson@AmalgamatedBank.com
BMR, DALP, MCC, Accepting new MOHCD clients

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American Pacific Mortgage Corporation

Atanasio Randolph Aguilera (Sonny), NMLS 225920
209-986-2616
sonny.aguilera@apmortgage.com
BMR, DALP, MCC, Accepting new MOHCD clients

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Ameritrust Mortgage Corporation

Martha Jauregui Uu, NMLS 247622
925-499-6718
martha@ameritrust-mortgage.com
DALP, DK-DALP, MCC, Accepting new MOHCD clients

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Bank of America

Derek Kam, NMLS 633695 (Cantonese, Mandarin)
314-766-0998
derek.kam@bofa.com
DALP, DK-DALP, MCC, Accepting new MOHCD clients

Katherine Xinyuan Yang, NMLS 1793762
925-259-3871 
xinyuan.yang@bofa.com
DALP, DK-DALP, MCC, Accepting new MOHCD clients

Mya (Jasmine) Aye, NMLS 483427
415-213-4616
Mya.aye@bofa.com
DALP, DK-DALP, MCC, Accepting new MOHCD clients

Sandy Wong, NMLS 956185
650-457-6416
sandy.wong@bofa.com
DALP, DK-DALP, MCC, Accepting new MOHCD clients

Yukang (Edison) Huang, NMLS 1776178 (Cantonese, Mandarin)
650-525-2948
yukang.huang@bofa.com
DALP, MCC, Accepting new MOHCD clients

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Change Lending, LLC

Cindy Lowary, NMLS 295272
925-783-6965
clowary@changemtg.com
BMR, DALP, MCC, Accepting new MOHCD clients

Ting Chen, NMLS 1596132
415-429-8650
tchen@changemtg.com
BMR, DALP, DK-DALP, MCC, Accepting new MOHCD clients

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CrossCountry Mortgage, LLC

David Byrd, NMLS 332115
4510-647-5335
David.Byrd@ccm.com
BMR, DALP, MCC, Accepting new MOHCD clients

Sharon Nguyen, NMLS 404847
408-472-5959
sharon.nguyen@myccmortgage.com
BMR, DALP, MCC, Accepting new MOHCD clients

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First-Citizen's Bank and Trust Company

Josie Ramirez, NMLS 988223 (Spanish)
415-752-5626
josramirez@svb.com
BMR, DALP, DK-DALP, MCC, Accepting new MOHCD clients

Karen Alcala, NMLS 2382696
707-290-3813
kalcala@svb.com
BMR, DALP, DK-DALP, MCC, Accepting new MOHCD clients

Nelson Wong, NMLS 206278
925-586-2107
nwong@svb.com
BMR, DALP, DK-DALP, MCC, Accepting new MOHCD clients

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General Mortgage Capital Corporation

Ming Chin, NMLS 1757269
415-390-6816
mchin@gmccloan.com
DALP, MCC, Accepting new MOHCD clients

Vicki Yue, NMLS 275113 (Cantonese, Mandarin)
650-434-3288
vyue@gmccloan.com 
DALP, MCC, Accepting new MOHCD clients

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Golden Empire Mortgage, Inc.

Colleen Steward , NMLS 250847
209-601-3805
cstewart@gemcorp.com
DALP, MCC, Accepting new MOHCD clients

Esmeralda Velasco, NMLS 1326157
209-955-2200
evelasco@gemcorp.com
DALP, MCC, Accepting new MOHCD clients

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Guarantee Mortgage DBA APM

Diana San Juan-Lam, NMLS 248490
415-763-2213
dsanjuan@guaranteemortgage.com
BMR, DALP, MCC, Accepting new MOHCD clients

Bob Bednarz, NMLS 259771
415-891-3405
bbednarz@guaranteemortgage.com
BMR, DALP, DK-DALP, MCC, Accepting new MOHCD clients

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Guaranteed Rate

Adrian Azali, NMLS 298767
408-726-4113
adrian.azali@rate.com
BMR, DALP, DK-DALP, MCC, Accepting new MOHCD clients

Jeff Parrott, NMLS 318227
415-694-5518
jeff.parrott@rate.com
BMR, DALP, DK-DALP, MCC, Accepting new MOHCD clients

Glenn Rodriguez, NMLS 238969
415-570-0400
Glenn.Rodriguez@rate.com
BMR, DALP, DK-DALP, MCC, Accepting new MOHCD clients

May Montana, NMLS 239533
415-429-4972
may.montana@guaranteedrate.com
BMR, DALP, DK-DALP, MCC Accepting new MOHCD clients

Phillip Cannon, NMLS 277929
415-429-4971
phillip@rate.com
BMR, DALP, MCC, Accepting new MOHCD clients

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Guaranteed Rate Affinity

Tom Barnes, NMLS 1025428
415-710-4682
tom.barnes@grarate.com
BMR, DALP, MCC, Accepting new MOHCD clients

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Guild Mortgage

Caroline Dadesho, NMLS 198333
209-606-2629
carolined@guildmortgage.net
BMR, DALP, MCC, Accepting new MOHCD clients

Gelda Angel, NMLS 3274
408-614-7070
gangel@guildmortgage.net
BMR, DALP, MCC, Accepting new MOHCD clients

Janene Towner-Chernoff, NMLS 287633
408-825-0250
jtowner@guildmortgage.net
BMR, DALP, DK-DALP, MCC, Accepting new MOHCD clients

Sandra Smith, NMLS 255924
510-301-0198
sandras@guildmortgage.net
BMR, DALP, DK-DALP, MCC, Accepting new MOHCD clients

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