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Mayor's Office of Housing
METALINK
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Mortgage Credit Certificate (MCC) |
The City and County of San Francisco has been awarded an allocation of $5,417,455 to issue MCCs.
We will accept MCC applications beginning March 9, 2009
We will not accept MCC applications from non-participating lenders or loan agents
The Mortgage Credit Certificate program can help you qualify for a mortgage loan by increasing your buying power at your current income.
The Mortgage Credit Certificate “MCC” Program, authorized by Congress in the Tax Reform Act of 1984, provides assistance to first-time homebuyers for the purchase of owner-occupied single-family homes, townhomes, and condominiums.
A MCC will reduce the amount of your federal income taxes otherwise due but not to exceed the amount of federal taxes owed for the year after other credits and deductions have been taken. However, the unused tax credits can be carried forward three years, until used.
The federal income tax advantage provided by the MCC for a homebuyer who keeps the same mortgage loan and lives in the same house in San Francisco will be equal to 15% of the mortgage interest paid annually on a dollar for dollar basis. This means the total of 15% of your mortgage interest is deducted directly from your annual tax debt. The remaining 85% of your mortgage interest is taken as a deduction from your gross income in the usual manner. This result in making you qualified for a greater mortgage amount with the same income.
Example of the tax Savings with MCC
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Mortgage Amount: Interest Rate: Annual Interest Paid: Income Tax Rate: |
$300,000 5.75% $17,250 20% |
|
Without MCC $17,250 x 20% = Total tax Savings |
$3,450 $3,450 |
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With MCC-15% Tax Credit Tax Credit $17,250 x 15%= Tax Deduction $17,250 x 85% x 20% Total Tax Savings The Differences of Tax Saving with MCC |
$2,587.50 $2,932.50 $5,520.00 $2,070.00 |
PROPERTY ELIGIBILITY
San Francisco has identified specific Census Tracts as “Targeted Areas”. The MCC allows greater flexibility for property and homebuyer in target areas to encourage growth of home ownership and development in specific sections of the City’s neighborhoods.
What are Targeted Areas?
Targeted Areas are designated by U.S. Department of Housing & Urban Development and the U.S. Treasury Department to encourage economic growth. Generally, these are areas where the government wants to stimulate development: urban cores, infill and other up-and-coming locations. They are defined by census tract as well as other criteria set by those departments.
What are the benefits of a Targeted Areas?
If you purchase a home in a Targeted Area are allowed to use higher income and purchase price limits and you do not need to be first time homebuyers.
How do I find a Targeted Area?
Your real estate agent or lender should be able to assist you in determining whether a particular home is within one of these census tracts. Or if you already have an address, you can find out whether it is in a targeted area, to enter the address and get a census tract number or tract code, visit the following website: http://www.ffiec.gov/geocode/default.htm. Then refer back to our list of targeted areas to see if those tract codes are on the list as follow. Click here for a map of targeted areas.
The following census tract numbers are designated as Targeted Areas:
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North Beach |
107, 113, 114, 115, 118 |
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North of Market |
117, 124, 125 |
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South of Market |
607 |
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Western Addition |
161 |
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Bayview / Hunters Point |
231 |
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Visitacion Valley |
605 |
What is the maximum purchase price for property purchased with MCC?
In order to qualify for the MCC program your home cannot exceed the following maximum sales price:
|
|
Non-Target Area |
Targeted Area |
Existing Home |
$696,118 |
$850,810 |
|
New Home (Not previously owned) |
$601,950 |
$735,716 |
BUYER ELIGIBILITY
Who is considered to be a first time homebuyer?
Those persons who have not had an ownership interest in a “Principal Residence” within the last three years. If you have claimed mortgage interest deductions on your tax returns at any time in the previous three tax years, you do not qualify for MCC. Please note that you do not have to be considered a first time homebuyer in order to purchase in the targeted areas if you meet income requirements defined as follows.
How much income can I earn to qualify?
The total household income (including the income of anyone who is both residing in the property, responsible for the mortgage and/or any co-mortgagor listed on title) cannot exceed:
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Non-Target Area |
Target Area |
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1 or 2 person |
$135,720 |
$135,720 |
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3 or more person |
$158,340 |
$158,340 |
How do you define Owner - Occupant?
MCC is not eligible for property purchased as investment or rental. The program will require you to move into the residence that you are buying within 60 days from the date close of escrow.
What is the cost of the application fee?
A NON-REFUNDABLE application fee of $400 is paid to the City to process your loan package with the tax credit benefit.
Are there any special Mortgages to which MCC must apply?
The program can be used with any 30 or 40 year fixed rate or qualifying adjustable rate mortgage. The MCC cannot be used in conjunction with the bond-backed loans such as California Housing Finance Authority (CalHFA) or Cal Vet bond loans.
Can I Refinancing my MCC?
MCC holders can refinance their mortgage loans without losing their current Mortgage Credit Certificates (MCC), you must apply for Reissued Mortgage Credit Certificate (RMCC) from a participating lender.
RECAPTURE TAX
Recapture Tax requires MCC holder to repay the federal government a portion of their gain upon the sale of the home if the homeowner receives MCC tax credit. This provision is administered by the Internal Revenue Service (IRS). If any Recapture Tax is due, the homeowner pays it to the IRS after selling the home as part of their federal income tax liability for the year in which the home is sold.
RECAPTURE TAX IS DUE, if MCC Holders meet all three of the following criteria:
- If MCC holders income rise significantly over the life of the loan (generally more than 5% per year). The 5% increase in income is figured from the maximum income limit for the MCC program at the time of purchase, see MCC-8 form for calculation of recapture tax.
- If MCC holders sell the house within nine years,
- There is a gain from the sale.
In other words, to owe any recapture tax at all, the MCC holders must meet all three of these criteria.
When do I pay the Recapture Tax?
Any Recapture Tax due is to be submitted with your individual tax return for the year in which you sold the property. For instance, if you sold the property in 2007, the Recapture Tax, if any, along with IRS Form 8828, must be submitted with your IRS Form 1040 in 2008. We strongly recommend that you obtain the services of a tax preparer for the tax year the Recapture Tax form is required to be submitted.
LENDER AND CITY PROCESS
The City does not make your mortgage loans. You, the homebuyer, will go through the normal process of choosing a Realtor, finding a home, and arranging financing with one of our MCC Participating Lenders. The lender will determine if you are eligible, help you fill out the MCC application forms and send it to the City. At the same time the lender is processing your mortgage loan application, the City reviews the MCC package sent by the lender to verify that you and your property qualify for an MCC. Upon confirming your eligibility, the City will issue the Mortgage Credit Certificate number and commitment within 10 working days after we receive a complete MCC Application package.
How do I receive my tax credit?
Once you (the homeowner) received a MCC certificate with the purchase of your home, you will need to complete an IRS Form 8396 for every tax year, in order to receive your MCC tax credit. To obtain an IRS Form 8396 you may call IRS at (800) 829-3676 or download the forms from the IRS website at www.irs.gov. Form 8396 should be completed and submitted together with a copy of your MCC certificate and your IRS Form 1040 when you file your tax returns each year. You will be allowed to take the appropriate income tax credit every year, as long as you keep the same home and the original first mortgage and continue to live in the property as your principal residence.
You may wish to adjust your federal income tax withholding (W-4) in order to receive the MCC benefit on a monthly basis. Talk to the payroll department at your place of employment. By reducing your monthly withholding, you will have more disposable (after-tax) income with which to make mortgage payments.
How do I become a participating lender?
Loan agents or mortgage brokers who would like to become a participating lender for San Francisco DALP and MCC programs must attend a 2-hour DALP/MCC training and sign the Lender Participation Agreement. Each individual loan agent or mortgage broker must attend. If you are mortgage brokers, your loan must fund through one of our participating lenders.
We are not tax advisors. If you have any questions about how your taxes will be affected, consult your tax accountant or call the IRS at 1-(800) 829-3676 or visit their website www.irs.gov.
Download MCC Forms and Program Manual
Download MCC brochures: English (Printer-friendly pdf)
For additional information, please contact Mayor's Office of Housing at 415-701-5500.
List of Mortgage Credit Certificate Participating Lenders
| Name of Organization | Name of Loan Agent | Telephone # | |
| Alternative Mortgage Sources | Beth Hoffman | beth@AlternativeMortgageSources.com | 415-861-5708 |
| American Home Mortgage | Alan Horn | alan.horn@americanhm.com | 516-396-7700 |
| Asia Pacific Groups | Lap Kyou | lkyou@asiapacificgroups.com | 415-297-7778 |
| Asia Pacific Groups | Lawrence Kei Sing Liu | lliu@asiapacificgroups.com | 415-731-3100 x123 |
| Asia Pacific Groups | Pamela Chan | pamechan@yahoo.com | 415-731-3100 x626 |
| Bank of America Home Loans | Chad Endo | chad.endo@bankofamerica.com | 408- 685-1137 |
| Bank of America Home Loans | Vautour, Michelle | michelle.vautour@bankofamerica.com | 408-832-9726 |
| Bank of America Mortgage | Billy Cunningham | Billy.Cunningham@bankofamerica.com | 408-991-8323 |
| Bank of America Mortgage | Bob Branch | robert.j.branch@bankofamerica.com | 650-704-0431 |
| Bank of America Mortgage | Carolyn Mountain | Carolyn.Mountain@bankofamerica.com | 408-615-6032 |
| Bank of America Mortgage | Chad Gibson | Chad.Gibson@bankofamerica.com | 415-436-5087 |
| Bank of America Mortgage | Charito McDougald | charito.mcdougald@bankofamerica.com | 650-758-3624 |
| Bank of America Mortgage | Colleen Coyle | colleen.coyle@bankofamerica.com | 415-380-2556x321 |
| Bank of America Mortgage | Cristian Connelly | cristian.r.connelly@bankofamerica.com | 415-953-313 |
| Bank of America Mortgage | Darlene Gonzalez | Darlene.Gonzalez@bankofamerica.com | 650-846-4785 |
| Bank of America Mortgage | Derek Kam | derek.kam@bankofamerica.com | 510-676-8883 |
| Bank of America Mortgage | Helen Chen | hchen@bankofamerica.com | 415-436-5230 |
| Bank of America Mortgage | Jackie Yi | Jackie.Yi@bankofamerica.com | 415-436-5105 |
| Bank of America Mortgage | Jeannette Fanene | jeannette.fanene@bankofamerica.com | 510-587-8359 |
| Bank of America Mortgage | Joseph Taylor | joseph.e.taylor@bankofamerica.com | 510-587-8337 |
| Bank of America Mortgage | Kathy Bader | kheloud.bader@bankofamerica.com | 415-622-9500 |
| Bank of America Mortgage | Kelli Hall | kelli.l.hall@bankofamerica.com | 415-518-7008 |
| Bank of America Mortgage | Ken Malamud | kenneth.malamud@bankofamerica.com | 415-953-2264 |
| Bank of America Mortgage | Kristi Lee | kristi.lee@bankofamerica.com | 925-692-7618 |
| Bank of America Mortgage | Larry Lee | larry.l.lee@bankofamerica.com | 415-436-5184 |
| Bank of America Mortgage | Linda Lee | Linda.C.Lee@bankofamerica.com | 415-622-6141 |
| Bank of America Mortgage | Loan Cao | loan.cao@bankofamerica.com | 415-436-5143 |
| Bank of America Mortgage | Michael Collantes | Michael.Collantes@bankofamerica.com | 415-205-8541 |
| Bank of America Mortgage | Paul D Young | paul.d.young@bankofamerica.com | 415-436-5304 |
| Bank of America Mortgage | Robert Zimmer | robert.j.zimmer@bankofamerica.com | 650-846-4811 |
| Bank of America Mortgage | Roddy Cheung | roddy.s.cheung@bankofamerica.com | 415-436-5347 |
| Bank of America Mortgage | Shavaughn Baker | Shavaughn.baker@bankofamerica.com | 510-713-4143 |
| Bank of America Mortgage | Stephen Tam | stephen.tam@bankofamerica.com | 510-847-5372 |
| Bank of America Mortgage | Tammy Maker | tammy.maker@bankofamerica.com | 650-826-4109 |
| Bank of America Mortgage | Tina Wong | tina.wang@bankofamerica.com | 415-864-1832 |
| Bank of America Mortgage | Ualani Gray | uilani.gray@bankofamerica.com | 510-587-8362 |
| Bank of the West | Karen McDowell | Karen.McDowell@bankofthewest.com | 415-608-2300 |
| Bankers Preferred Real Estate Loans | Ceci Gutierrez | ceci@bankerspref.com | 415-254-3535 |
| Bankers Preferred Real Estate Loans | Farshid Boroumand | rb@bankerspref.com | 925-216-2908 |
| Bankers Preferred Real Estate Loans | Ivonne Cupido | ivonne@bankerspref.com | 650-227-1018 x 329 |
| Bankers Preferred Real Estate Loans | Kitty Lee | kitty@bankerspref.com | 650-227-1018 |
| Bankers Preferred Real Estate Loans | Lilyette Uriarte | lilyette@bankerspref.com | 650-227-1018 x 325 |
| Bankers Preferred Real Estate Loans | Terrie Cardoza | terrie@bankerspref.com | 650-227-1018 x 322 |
| Bay Cal Financial | Caleb Ng | caleb.ng@baycalfinancial.com | 415-885-6668x20 |
| Bay Cal Financial | Paul McDermott | paul@baycalfinancial.com | 415-885-6668 x25 |
| Baycal Financial | Jimmy Fong | jfong@baycalfinancial.com | 640-647-8828 |
| Baycal Financial | Patrick M Gee | pmgloans@hotmail.com | 415-699-4839 |
| Benchmark Mortgage | Jeremy Forcier | Jeremy.Forcier@benchmark.us | 707-789-9023x104 |
| BEZ Financial | April Hue | April.hue@bezfinancial.com | 650-246-8881 |
| BEZ Financial | Cynthia Lam | cynthia.lam@bezfinancial.com | 650-246-8868 |
| BEZ Financial | Fiona Li | fiona.li@bezfinancial.com | 650-246-8870 |
| BEZ Financial | Millie Lee | millie.lee@bezfinancial.com | 650-873-2228 |
| BEZ Financial | Sandy Liu | sandy.liu@bezfinancial.com | 650-873-2228 |
| BEZ Financial Network Inc. | Bianca Yao | johnnyyao@sbcglobal.net | 415-203-1996 |
| Bridgeline Capital Group | Yilam Kang | YKang@bridgelinecg.com | 415-377-5505 |
| California Consumer Lending | Vicki Yue | vicki.yue@cclfinance.com | 650-588-3883 |
| California Finacial Mortgage | Stan Wong | cafmc@pacbell.net | 415-668-9000 |
| California Mortgage Advisors | Chris Noceti | cnoceti@calmtg.com | 415-746-0733 |
| California Mortgage Advisors | Thomas Murray | Tmurray@calmtg.com | 415-655-4981 |
| California State Funding Group | Pamela Lamarre | plamarre@sbcglobal.net | 415.706.4479 |
| Capital Market Funding | Kenny Stephen | kenny@cmfmail.com | 415-412-3363 |
| Chase Home Lending | Alice Leach | alice.leach@chase.com | 415-984-0961 |
| Chase Home Lending | Benjamin Rojas | Benjamin.s.rojas@chase.com | 415-315-3938 |
| Chase Home Lending | Christopher E. Piro | christopher.e.piro@chase.com | 415-315-8119 |
| Chase Home Lending | Cort Cortez | cort.a.cortez@chase.com | 415-315-7746 |
| Chase Home Lending | Debora Byrne | deborah.r.byrne@chase.com | 415-315-7765 |
| Chase Home Lending | Elaine Doucet | Elaine.M.Doucet@chase.com | 415-315-8412 |
| Chase Home Lending | Jaime Arroyo | jaime.x.arroyo@chase.com | (408) 627-9547 |
| Chase Home Lending | Matthew Nguyen | matthew.x.nguyen@chase.com | 415-315-3934 |
| Chase Home Lending | Nancee K Fujitake | nancee.k.fujitake@chase.com | 415-315-8676 |
| Chase Home Lending | Norma P. Cave | norma.p.cave@chase.com | 415-315-3937 |
| Chase Home Lending | Samuel Thompson | Samuel.Thompson@Chase.com | 510-774-9355 |
| Citimortgage | Brett B. Bartlett | brett.b.bartlett@citigroup.com | 469-220-0680 |
| Citimortgage | Randa Shatara | randa.shatara@citi.com | 415-871-1043 |
| Citimortgage | Wayne Kuschel | wayne.kuschel@citi.com | 415.552.3185 |
| Classic Home Loans | Gordon Hinds | gphinds@aol.com | 510-834-0702 |
| Clearinghouse CDFI | Andrew Davis | andrewd@clearinghousecdfi.com | 949-525-4976 |
| Clearinghouse CDFI | Melissa Brown | melissab@clearinghousecdfi.com | 949-525-4960 |
| DaCor Financial | Doug Goelz | dgoelz@dacorfinancial.com | 415-730-4665 |
| First Home Inc. | Gabriela Yu | gabriela@fhicda.com | 415-305-4335 |
| First Home Inc. | Jeff Parrott | jeff@myhomegateway.com | 415-561-5600 x126 |
| First Home Inc. | Joseph Schneider | Joseph@fhicda.com | 415-561-5600 x125 |
| First Home Inc. | Kelly Trueb | KellyTrueb@comcast.net | 650-302-4000 |
| First Home Inc. | Kevin Brindley | Kevin@fhicda.com | 415-561-5600 x114 |
| First Home Inc. | Walter Zhovreboff | z@fhicda.com | 415-561-5600 x120 |
| First Security Loan | Michael J. Simmons | msimmons@fslc.com | 415-869-6121 |
| First Security Loan | Patty Souza | psouza@fslc.com | 415-869-6119 |
| Guarantee Mortgage | C. J. Kerls | cj@kerls.com | 415-586-6003 |
| Guarantee Mortgage | Dean Rizzi | Dean@DRLending.com | 415-694-5533 |
| Guarantee Mortgage | Debi Stedt | dstedt2825@aol.com | 415-861-2528 |
| Guarantee Mortgage | Diana Hasenstab | dianah@gmwest.com | 415-694-5510 |
| Guarantee Mortgage | Faviola Gonzalez | fgonzalez@gmwest.com | 415-694-5540 |
| Guarantee Mortgage | Gordon Friedman | gordon@gordonfriedman.com | 415-345-4378 |
| Guarantee Mortgage | Kara Fiore | kfiore@gmwest.com | 415-999-1234 |
| Guarantee Mortgage | Kenneth Dean | ken@7x7group.com | 415-254-7524 |
| Guarantee Mortgage | Margaret Ashwell | margaret@ashwellflorence.com | 415-572-1777 |
| Guarantee Mortgage | May Montana | may@maymontana.com | 415-694-5513 |
| Guarantee Mortgage | Miles Grant | miles@mgrantfunding.com | 415-694-5554 |
| Guarantee Mortgage | Natasha Lovas | natasha@gmwest.com | 415-694-5544 |
| Guarantee Mortgage | Phillip Cannon | phillipocannon@mac.com | 415-694-5509 |
| Guarantee Mortgage | Sergei Andruha | sandruha@gmwest.com | 415-309-0157 |
| Guarantee Mortgage | Ye Gong | ygong@gmwest.com | 415-345-4347 |
| Guild Mortgage | Robert McMahon | rmcmahon@sdmn.net | 800-287-8292 x228 |
| Haights Street Mortgage | Tracy Dearman | tdearman@hsmsf.com | 415-431-7655 |
| HCL Finance, Inc | Elsa Cheng | elsasc@hclfinance.com | 408-666-9683 |
| Holmgren & Associates | David Clark | david@mortgageholmgren.com | 510-339-2121 |
| Intero Real Estate | Jacqueline Oei | jackie.oei@gmail.com | 415 823 3657 |
| JPMorgan Chase Bank | Kenneth Gurriere | kenneth.r.gurriere@jpmchase.com | 415-987-3000 |
| Land & Property Investments Inc | Danny Lai | dennylai@lpirealtor.com | 415-731-0303 |
| Land & Property Investments Inc | Henry Low | henrylow@lpirealtor.com | 415-731-0303 |
| Land & Property Investments Inc | Tom Chan | tomchan@lpirealtor.com | 415-731-0303 |
| Lending Team Mortgage | Andrew C. Kong | ackong@sbcglobel.net | 415-682-9300 |
| Mercury Lending Inc. | Alex M. Shvartsman | alex@mercurylending.com | 415-371-8405 |
| Meridian Creek Properties | Keith Rockmael | keithrockmael@gmail.com | 800-694-6922 |
| Met Lifehomeloans | Paddie Tecson | Ptecson@metlifehomeloans.com | 650-559-5512 |
| Northern Trust | David C. Elsaesser | DE20@ntrs.com | 415-765-6425 |
| Northern Trust | Xochitl Benson | xb1@ntrs.com | 415-765-7550 |
| Pacific Bay Financial | Julia Zagatsky | jzloans@gmail.com | 415-682-0312 |
| Pacific Bay Financial | Rick Sanguinetti | ricksanguinetti@sbcglobal.net | 415-682-0304 |
| Pacific Bay Financial | Manny Kagan,Ph.D. | manny@pacbay.net | 415-682-0300 |
| Pacific Capital Network | Joyce M. Sonnier | mrsceo44@aol.com | 650-754-1960 |
| Pacific Mortgage Consultants, Inc. | Nicole Del Prado | nicoledelprado@gmail.com | 415-615-0991 |
| Pacific Union | Elta Anderson | Elta@pacunion.com | 415-345-3067 |
| Pacific West Financial | Greg Doxey | gregdoxey@pacificwestfinancialsf.com | |
| Paragon Financial | Micah Rycer | micah@pfhomeloans.com | 415-538-7976 |
| Partners Mortgage | Michelle Velez | michelle.velez@partnersnet.com | 650-348-5626 x218 |
| Patelco Credit Union | Andrew Chun | achun@patelco.org | 415-388-1091 |
| Patelco Credit Union | Joe Kleemann | jkleemann@patelco.org | |
| Princeton Capital | Eric Wood | EricWood@princetoncap.com | 415-229-1228 |
| Princeton Capital | Stacey C. Fleece | stacey.fleece@princetoncap.com | 408-355-2011 |
| Princeton Capital | Veronica D Martinez | VeronicaMartinez@princetoncap.com | 415-338-0200 |
| Prosperity Mortgage | Chi Hom | chom7@yahoo.com | 415-812-4150 |
| Prosperity Mortgage | Yvonne Liu | yvonneliu38@gmail.com | 415-517-8118 |
| Provident Credit Union | Patrick Bucheli | pbucheli@providentcu.org | 650-508-7288 |
| Quantum Funding | Grace Chan | grace@quantumloanteam.com | 650-652-9966 |
| Realty Financial Inc. | Do Thai | thaitrido@yahoo.com | 415-317-7508 |
| Realty Financial Inc. | Toan Thai | realtyfinancial88@gmail.com | 415-786-7665 |
| Red Oak Capital Inc. | Brandon Hoyles | Brandon@redoakcorp.com | 650-348-6173 |
| Red Rose Real Estate Services | Michael Valencia | valencia.michael@yahoo.com | 415-336-1073 |
| Red Rose Real Estate Services | Ah Soon Mah | ahsoonmah@yahoo.com | 650-888-1699 |
| Reliance Bay Funding | Kevin Knight | kevin@kevinknighthomes.com | 510-459-4714 |
| Reliance Bay Funding | Maurice Harold | Maurice@reliancebayfunding.com | 510-706-3780 |
| RPM Mortgage | Benjamin Miller | bmiller@rpm-mtg.com | 415-869-6116 |
| RPM Mortgage | Bob Gerson | bgerson@rpm-mtg.com | 415-902-3002 |
| RPM Mortgage | John Ebner | jebner@rpm-mtg.com | 415-407-1759 |
| RPM Mortgage | Julian D. Hebron | Julian@rpm-mtg.com | 415-701-2638 |
| RPM Mortgage | June David | june@junedavid.com | 415-242-1877 |
| RPM Mortgage | Steven M. Hook | shook@rpm-mortgage.com | 415-869-6131 |
| RPM Mortgage | Tracy Andreini | tandreini@rpm-mtg.com | 415-869-6102 |
| RPM Mortgage | Julie Ross | jross@rpm-mtg.com | 707-257-4900 |
| RPM Mortgage | Ryan MacArthur | rmacarthur@rpm-mtg.com | 925-295-9385 |
| San Francisco Federal Credit Union | Elam Quanico | elma_quanico@sanfranciscofcu.com | 800-358-8228 x5912 |
| San Francisco Federal Credit Union | Winnie Law | winnie_law@sanfranciscofcu.com | 800-358-8228 x5912 |
| Servicentr Mortgage | Gerry McBride | gmcbride@servicentre.com | 415-610-6209 |
| Sterling Bank | Henry Jeanes | hjeanes@sterlingbank.com | 415-970-9889 |
| The Regents of the University of CA | Alyce Brown | alyce.brown@ucop.edu | 510-987-9012 |
| The Regents of the University of CA | Janis Vega | janis.vega@ucop.edu | 510-987-9012 |
| TSE Financial | Agnes Tse | agnesptse@yahoo.com | 415-566-5363 |
| TSE Financial | Gina Tse | GinaTseLouie@tsefinancial.biz | 415-566-5363 |
| TSE Financial | Jenny Kramer | jennyk_kramer@yahoo.com | 415-407-1147 |
| TSE Financial | Char Longwello | char@weltax.com | 415-252-7552 |
| TSE Financial | Christine Leung | cleung297@yahoo.com | 415-566-5363 |
| TSE Financial | Yelena Alekseyenko | yelenadecker@gmail.com | 415-312-2271 |
| Visim Mortgage | Betty Chen | bettychen828@eyahw.com | 415-661-8128 |
| Visim Mortgage | Raymond Yang | raymond@v-homes.com | 415-661-8128 |
| Wells Fargo Home Mortgage | Adam D. Mesnick | Adam.Mesnick@wellsfargo.com | 415-247-1248 |
| Wells Fargo Home Mortgage | Ailene Ng | ailene.ng@wellsfargo.com | 415-977-9347 |
| Wells Fargo Home Mortgage | Ana Wyatt | Ana.m.wyatt@wellsfargo.com | 415-247-1263 |
| Wells Fargo Home Mortgage | Bill Siewert | bill.siewert@wellsfargo.com | 415-292-6043 |
| Wells Fargo Home Mortgage | Boris L. Mirsakov | Boris.L.Mirsakov@wellsfargo.com | 415-396-5624 |
| Wells Fargo Home Mortgage | Craig Barnes | craig.w.barnes@wellsfargo.com | 415-247-1250 |
| Wells Fargo Home Mortgage | Daniel Harding | daniel.l.harding@wellsfargo.com | 415-977-9484 |
| Wells Fargo Home Mortgage | Don Hinton | donald.e.hinton@wellsfargo.com | 925-681-5038 |
| Wells Fargo Home Mortgage | Eric Tang | eric.tang@wellsfargo.com | 415-977-9357 |
| Wells Fargo Home Mortgage | Jacqueline Malic | jacqueline.c.malic@wellsfargo.com | 510-346-1704 |
| Wells Fargo Home Mortgage | Joe Hollomon | Joe.hollomon@wellsfargo.com | 415-379-2590 |
| Wells Fargo Home Mortgage | Mary Apprill | mary.apprill@wellsfargo.com | 415-247-1265 |
| Wells Fargo Home Mortgage | Maryvic.M.Guanlao | Maryvic.M.Guanlao@wellsfargo.com | 650-558-5407 |
| Wells Fargo Home Mortgage | Paul Bracamonte | Paul.A.Bracamonte@wellsfargo.com | 415-362-3245 |
| Wells Fargo Home Mortgage | Sherry C. Kam | Sherry.C.Kam@wellsfargo.com | 415-731-7054 |
| Wells Fargo Home Mortgage | Todd Bell | Todd.S.Bell@wellsfargo.com | 415-336-7316 |
| Wells Fargo Home Mortgage | Yvonne Meyer | yvonne.k.meyer@wellsfargo.com | 415-793-6556 |
| Wells Fargo Home Mortgage | Zied Souissi | zied.souissi@wellsfargo.com | 415-977-9345 |
| Wells Fargo Home Mortgage | Laurianna CejaDiaz | Laurianna.CejaDiaz@wellsfargo.com | 650-287-4901 |
| Wells Fargo Home Mortgage | Christopher Sinhbandith | Christopher.Sinhbandith@wellsfargo.com | 415-647-7534 |
| Wells Fargo Home Mortgage | Phillip Cary | Phillip.A.Cary@wellsfargo.com | 415-904-9879 |
| Windsor Capital Mortgage Corp. | Bobbi Clemens | bobbi@bobbi-clemens.com | 415-609-8159 |
| Zmax Mortgage Corp. | Hocking Zheng | hocking@earthlink.net | 415-665-9990 |
revised 09/15/09
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