Find a lender for the Below Market Rate program

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 Mixed-Income Below Market Rate Program who can provide a pre-approval letter for the purchase of Below Market Rate units:

To get a pre-approval letter for the purchase of market rate housing, view the list of lenders who are approved for the Downpayment and Mortgage Assistance programs.

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TSE Financial

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

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

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U.S. Bank National Association

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

Eric W Tang NMLS  244025
415-999-2909
eric.tang@usbank.com
BMR, Accepting new MOHCD clients

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

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

Wei (Ryan) Zhang  NMLS  1770686
971-978-2545
wei.zhang2@usbank.com
BMR, Accepting new MOHCD clients

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Absolute Home Loans

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

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All California DBA APM

Paula J. Harrell, NMLS 354400
510-915-2580
PHarrell@allcalifornia.com
BMR, MCC, Accepting new MOHCD clients

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

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Amalgamated Bank

Stephen Jaser, NMLS 77075
212-895-4445
stephenjaser@amalgamatedbank.com
BMR, DALP, MCC, Accepting new MOHCD clients

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

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Change Lending, LLC

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

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

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CrossCountry Mortgage, LLC

David Byrd, NMLS 332115
510-647-5335
david.byrd@ccm.com
BMR, MCC, Accepting new MOHCD clients

Helena Jones-Kim NMLS 332730
510-385-7721
helena.joneskim@ccm.com
DALP, MCC, Accepting new MOHCD clients

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

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First-Citizen's Bank & Trust Company

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

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

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

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Guarantee Mortgage DBA APM

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

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Guaranteed Rate

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

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

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

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

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

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Guaranteed Rate Affinity

Fe M David NMLS 482592
650-201-2073
fe.david@grarate.com
BMR, MCC, Accepting new MOHCD clients

Laura Lockerbie NMLS 299461
707-304-4465
laura.lockerbie@grarate.com
BMR, MCC, Accepting new MOHCD clients

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

Winnie Liu, NMLS 339654 (Cantonese, Mandarin)
415-517-2800
winnie.liu@grarate.com
BMR, MCC, Accepting new MOHCD clients

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Guild Mortgage

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

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

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

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JPMorgan Chase

Mark Wong, NMLS 1095143
650-532-4043
mark.wong@chase.com 
BMR, Accepting new MOHCD clients

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

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

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

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LaSalle Mortgage Services

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

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

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

Eddie Garcia, NMLS 833319
408-607-4833
Eddie.Garcia@nafinc.com
DALP, MCC, Accepting new MOHCD clients

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

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

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