Las Deltas Redevelopment Project
Preferred Lenders
Congratulations on your homeownership journey!
We’re excited about your interest in purchasing one of the new homes in the Las Deltas community.
About our Preferred Lenders List
While you are welcome to work with any lender of your choice, the lenders listed have:
- Reviewed and are familiar with the Las Deltas deed restrictions, and have experience working with affordable homeownership programs.
- Many of these lenders also accept the Housing Choice Voucher (Section 8) Homeownership Program.
Please note that participation may change over time, but this list provides a strong starting point and reflects the support available to help you achieve your homeownership goals.
Home Availability Timeline
- Eight (8) new homes are currently under development through Restoring Neighborhoods.
- Construction is anticipated to be completed by late 2026 or early 2027.
- If you are a returning Las Delta resident, North Richmond resident, or City of Richmond resident, you will receive first priority in the homebuyer process.
Next Steps
- If you haven’t already done so, please complete the Las Deltas Interest Form.
- Consider connecting with one of our housing counselors so we can assess readiness and help position you for successful homeownership. Complete your application to get started. (How this works)
- Review the preferred lenders below.
Preferred Lenders List
Ameritrust Mortgage Corporation
Contact
Martha Jauregui Uu
Loan Officer
Cell: 925-499-6718
Email: martha@ameritrust-mortgage.com
Loan Products
- FHA
- VA
- Conventional Fannie Mae Home Possible and Fannie Mae Home Ready loans with low LTV 97% maxim CLTV 105% with reduced mortgage insurance
- CalHFA – FHA – VA – Conv with DPA MyHome and MyAccess closing costs assistance
- FHA Essex 100% Financing
- 5% first
- 2nd Loan 3.5% repayable with a repayable term of 10 years
- 2nd Forgivable loan of 3.5% – forgiven after 10 years
- 2nd Loan of 5% with a repayable term of 10 years
- 5% first
- Fannie Mae – FHA and VA financing for Section 8 home choice voucher holders.
- ITIN loan with 20% down payment
- City/County DPA’s based on funding availability
Barrett Financial Group
Contacts
Janice Carroll
Mortgage Advisor | NMLS #292558
Barrett Financial Group, LLC | NMLS #181106
2284 San Pablo Ave, Suite 101
Pinole, CA 94564
Cell: 510-928-0566
Email: janice@barrettfinancial.com
Edward Carroll
Mortgage Loan Originator | NMLS #1037433
Barrett Financial Group, LLC | Corp NMLS #181106
2284 San Pablo Ave, Suite 101
Pinole, CA 94564
Phone: (925) 575-0474
Email: edwardc@barrettfinancial.com
Tera Taylor
Mortgage Loan Originator | NMLS #1330825
Barrett Financial Group, LLC | Corp NMLS #181106
2314 S Val Vista Drive, Suite 201
Gilbert, AZ 85295
Phone: (510) 224-7377
Email: tera@barrettfinancial.com
Loan Products
• Conventional Loans (including High-Balance)
• FHA Loans
• VA Loans
• First-Time Homebuyer Programs
• Down Payment Assistance Programs
• Non-QM Loans (Bank Statement, Investor, etc.)
• HELOC / Home Equity Loans
• Reverse Mortgages
• Purchase and Refinance Financing
BMO
Contact
Cesar Pulido
CRA Mortgage Banker
NMLS 694741
BMO Bank N.A.
Email: cesar.pulido@bmo.com
Mobile: (510) 943-9067
Fax: (402) 918-7288
Loan Products
BMO is interested in supporting Las Deltas project as a lender – By using conforming product, Lender must adhere
Conforming loan guideline, in this case UW must condition deed resale restriction:
B5-5.2-02
In cases where the resale restrictions survive foreclosure or a deed-in-lieu of foreclosure, the appraisal must reflect the impact the restrictions have on value and be supported by comparable sales with similar restrictions. The appraisal report must note the existence of the resale restrictions and comment on any impact the resale restrictions have on the property’s value and marketability.
The Finance Group
Contact
Dana Riley
Mortgage Broker
The Finance Group
Email: hq@TheFinanceG.com
Phone: 510-812-5535
Loan Products
As a mortgage broker, I arrange residential mortgage financing, including FHA, VA, Conventional, Adjustable-Rate Mortgages (ARMs), CalHFA first mortgage and down payment assistance programs, Community Seconds, and other first-time homebuyer assistance programs through approved wholesale lending partners.
Have questions?
Please contact Restoring Neighborhoods, LLC at restoringneighborhoods@eastbaynhs.org
We look forward to supporting you on the path to purchasing one of the new homes developed by Restoring Neighborhoods and welcoming you into the next chapter of the Las Delta community.