Mayor's Office of Housing

Downpayment Assistance Loan Program (DALP)

Downpayment Assistance Loan Program (DALP)

We will not accept DALP applications from non-participating lenders or loan agents

Click here for printable Chinese version (pdf)

DALP ALERT

The Downpayment Assistance program has had its busiest year since its inception, and funds are running low. MOH has seen an unprecedented level of activity in our homeownership programs and is proud to have been able to facilitate homeownership for over 400 low and moderate income households this past year. This has coincided with falling property values and an increase in the inventory of homes affordable to our first time homebuyers. The downpayment assistance program has played a crucial role in stabilizing neighborhoods most deeply affected by the foreclosure crisis, with over half of our funds going to households purchasing short sales or foreclosures. MOH is therefore restricting limited funds to stabilize those communities with the greatest need.

Starting immediately (as of October 20, 2009) , the following qualifications will apply:

· Applicants will only be eligible for Downpayment Assistance if they are purchasing properties in REO or short sales.

· Applicants have a household income at or below 100% of the AMI

· The new maximum loan amount is $60,000 or 15% of the purchase price, whichever is less.

These guidelines are temporary until further notice from the Mayor’s Office of Housing. For more information, please contact Myrna Melgar at MOH at myrna.melgar@sfgov.org or Jeanne.lu@sfgov.org

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Program Overview

The Down Payment Assistance Loan Program (DALP) is a down payment assistance loan to low-income first time homebuyers in San Francisco purchasing single family home in San Francisco, except for a BMR unit (Below Market Rate or Inclusionary). The DALP is a silent second loan that requires no payments for 40 years. The principal amount plus a share of the appreciation (profit) shall become due at the time of the end of the term, or repaid upon sale, transfer or rental of the property, which ever comes first. DALP has been approved by CalHFA to use their first mortgages. The DALP loan will subordinate to first mortgage, DALP lien will always be on the second position of the property.

Borrower Eligibility

First-Time Homebuyers: who have never had an ownership interest in a principal residence.

Meet Income Limits: Total household income cannot exceed 120% of the area median income (AMI) for San Francisco Metropolitan Statistical Area, as established by the U.S. Department of Housing and Urban Development (HUD), adjusted annually.

The combined income of all household members who will be living in the property must be included in the determination of income. The combined household's income must be projected as an annual income. It should be assumed that the current income would continue for the next 12 months, unless there is verifiable evidence to the contrary.
Household income requirements will include all income of persons 18 years old or older who will be living in the property. Maximum loan limits are tied to the household income category:

The following is the maximum income limits as of April 1, 2009:

Household Size	1	2	3	4	5	6	7
80% AMI	$54,200	$61,950	$69,700	$77,450	$83,650	$89,850	$96,050
90% AMI	$61,000	$69,700	$78,400	$87,100	$94,100	$101.050	$108,050
100% AMI	$67,750	$77,450	$87,100	$96,800	$104,550	$112,300	$120,050
110% AMI	$74,550	$85,200	$95,800	$106,500	$115,000	$123,550	$132,050
120% AMI	$81,300	$92,950	$104,500	$116,150	$125,450	$134,750	$144,050

Eligible Household Member: To be considered a member of household, a person must either by (1) on the title and loan of the property or (2) claimed as a dependent on the tax returns of household member who will appear on the title and loan for the DALP Loan (spouse is not a dependent, he/she must be on the title and loan of the property).

Minimum Downpayment Requirements: The borrower must contribute a minimum of two and half percent (2.5%) from their own funds toward the purchase of the property. All borrowers must have sufficient funds to meet the requirement downpayment, closing cost, necessary reserves and sufficient income to meet the monthly mortgage payments, property tax, homeowner insurance and homeowner association dues (HOA).

Sellers Credit: No sellers, developers or realtors credit allow for the DALP program.

Liquid Asset/Reserve Limitation: The combined household liquid assets after purchase the property cannot exceed $25,000. Liquid Assets includes all source of monies from savings, checking accounts, investments and properties held by any member of the Borrower’s household including minors and any fund is available for liquidation to purchase property. Liquid Assets do not include funds held in pension accounts, retirement funds, 401(k) plans, or similar assets which are not available for liquidation without substantial financial penalty to the Borrower.

Homebuyer Education Requirements: Borrower will be required to complete the first-time homebuyer education course through one of MOH's 5 approved housing counseling agencies. A certificate of completion of homebuyer education must include with the DALP loan application package.

First Mortgage: All City Loan approvals are made in conjunction with a first loan commitment from a bank or mortgage lender. The first loan should be the maximum amount for which the buyer is able to qualify; the loan must be fixed rate, 30 year loans, fully amortizing. DALP has been approved by CalHFA to use their first mortgage products. No interest only, stated income, option ARM, balloon or negative amortization payment options loans.

Maximum Combine Loan-to-Value Ratio (CLTV) cannot exceed 97.50% of the purchase price, which include the first mortgage, the City's Downpayment Assistance Loan Program (DALP) and any other borrowed subordinate finance (CHDAP, WISH, etc.....).

Debt-to-income (DTI) Ratio: Borrowers monthly housing debt, including property taxes, insurance and if applicable mortgage insurance and homeowner's association (HOA) dues cannot be less than 38% of the household's gross income. The ratio of monthly housing cost and all other household monthly debt (includes credit card payments, car payments, student loan, etc...) cannot exceed 45% of the household's gross income.

Property Eligibility

Properties purchased with the assistance of DALP funds must be single-family residences units in the City and County of San Francisco, which include single-family house, condominiums and townhouses. TIC (Tenancy-In-Commons) is not allow in this program.

Maximum Purchase Price Limits: The maximum purchase limits as of January 2009 is $625,500.

Property Size Requirements: The size of a household must be compatible with the size of the property being purchased. A minimum of one person per bedroom is required. In other words, a single person may purchase a studio or one-bedroom unit; two-person household may purchase a two-bedroom unit; three-person household may purchase a three-bedroom unit and so on. Bonus room and finished room will be considered as bedroom. The size of a household must be compatible with the size of the unit being purchased. No in-law units will be allowed for DALP loans.

Maximum Loan Amount

The maximum DALP loan amount is up to $150,000 or 30% of the purchase price whichever is less. The loan amount will be determined based on the borrower's income, assets, size of household and debt to income ratio. All loans are subject to available funds.

Household Income

80% AMI and Under

81%-90%

91%-100%

101%-110%

111%-120%

Subsidy

Up to

$150,000

Up to

$135,000

Up to

$120,000

Up to

$105,000

Up to

$90,000

DALP Loan Terms

1. Loan Terms: The City loan will be deferred for 40 years at zero percent interest and has no monthly payments. The principal balance amount plus a share appreciation should become due at the end of the term or when the borrower sells, rent or title transfer of the property. The gross appreciation is calculated by subtracting the original sales price from the current sales price or the current appraised market value. The share appreciation is computed as a ratio of the City loan amount to the purchase price, that is, if the loan amount equals 20% of the purchase price, the share appreciation is 20%.

For example: If you receive the DALP loan in the amount of $90,000 with the purchase price of $450,000, the share appreciation would be 20%.

$90,000 DALP loan amount	=	20% of share appreciation
$450,000 purchase price

Calculation of Repayment:

For example: when you sell the property in the future for a new purchase price or appraised market value of $500,000, the City repayment obligation will be:

A	Loan Principal:	$90,000
B	Original Purchase Price:	$450,000
C	Appreciation Share (A ÷ B)	20%
D	New Sales Price/Appraised Value:	$500,000
E	Appreciation (D - B)	$50,000
F	Appreciation Share Amount (E x C)	$10,000
G	Total Due to City (A + F)	$100,000

2. Prepayment Penalty: There is no prepayment penalty to pay off the DALP loan prior to the due date. The repayment amount must pay in full, which include the principal amount and share appreciation

3. Assumable/Transferable: The City loans are NOT assumable or transferable. The loans must be paid in full upon sale or title transfer of the property.

4. Refinance/Subordination: The City loan can be subordinated to the refinancing of the existing first mortgage for lower interest rate and better loan term with no cash equity out of the property. If the refinance meets the City subordination requirements, the City loan will subordinate to the new first mortgage.

Loan Documents

After the DALP loan has approved, the commitment is good for 45 days. The City will provide the loan documents to the title company for borrower's signatures before funding the DALP loan.

City Deed of Trust (pdf): The City Deed secures the loan against the title of the property. The DALP loan will subordinate to first mortgage and will always be on the second lien of the property.

City Note (pdf): The City Note contains an acceleration clause, which will call the entire loan due and payable upon sale; rent and title transfer of the property. The Note also outlines the terms and repayments calculation of the loan.

Owner Occupancy Requirements

Borrower must occupy the purchased property as its primary residence within 60 days after close of escrow. Properties that have received DALP funding must remain owner-occupied throughout the term of the loan and never used as investments or rental property. Compliance monitoring may be performed and documented proof of occupancy required at intervals determined by Mayor's Office of Housing.

Application Process

1. Before apply for the DALP loan, borrower must complete the first-time homebuyer education course through one of MOH’s 5 approved housing counseling agencies. A certificate of completion of homebuyer education must be included with the application package.

2. Borrower should go to one of the participating lenders to get pre-approval or pre-qualification.

3. Find out the maximum first mortgage for which you can qualify, combined with your own downpayment and the DALP loan amount you can qualify, that is the maximum purchase price you can afford. Your lender should be able to help you make a good estimate of how much property you will be eligible to buy with those combined resources.

4. Find a property, enter a purchase agreement. You must have a ratified purchase agreement to apply for DALP loan.

5. Once you have a ratified purchase agreement ,go back to the lender which that you are working with and must submit the following documents to the lender:

• Submit DALP application (DALP-1);

• Complete set of past 3 years Federal income tax returns (included all schedules, signed and dated) and W-2 forms.

• 3 current and consecutive pay stubs with year-to-date (YTD);

• For self-employed borrowers, provide a current profit and loss statement with YTD net profit (signed and dated) and sign a Self-Employed Affidavit;

• Unemployed borrower or co-borrower must sign and notarize and Unemployed Affidavit;

• Income Tax Affidavit (DALP-3), must submit this form when apply DALP during 1/1 to 2/28. (if applicable)

• First Time Homebuyer Affidavit (DALP-4).

• Homebuyer Education Certificate.

• Last 3 months bank statement for checking, savings & other pertinent investment accounts.

• Ratified Purchase Agreement;

• Gift letter (if applicable)

• IRS form 4506

• Application Fee is $300 (non -refundable). $400 if apply MCC together with DALP.

The following information will submit from Lender with DALP application package to City, the application package must bound in legal size manila folder with two fasteners.
• Transmittal Form
• Lender’s Certification (DALP-2)
• Primary Financing Loan Application (Form 1003) and

• Loan Analysis (Form1008)

• A copy of borrower's Credit report
• Approval or commitment letter from Lender
• Fair Market Appraisal
• Preliminary title report (including escrow deposit receipt, escrow officer's name and email address; and wire instructions)

DALP applications may take approximately 15 working days to process, review and underwrite. Once the loan approved, we will need another 7 working days for funding. We will be returning all incomplete applications without reviewing them.

A letter of approval or denial will send to the borrower and lender within 15 working days of receipt a complete package.

DALP Application Forms and Program Manual - click here to download a complete set of DALP Application Forms (pdf) and Program Manual (pdf), DALP Brochure (pdf)

DALP 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.

List of Participating Lenders

Name of Organization	Name of Loan Agent	Email	Telephone #
Alternative Mortgage Sources	Beth Hoffman	beth@alternativemortgagesources.com	415-861-5708
Americorp Funding	Robin Powell	robin@acfpartners.com	415-544-2616
Asia Pacific Groups	Benjamin Hoh	benjaminjhoh@aol.com	415-731-3100
Asia Pacific Groups	Jean Hoh	henryhoh@aol.com	415-731-3100
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	Lillian Wong-Hewett	thewongstuff@gmail.com	415-731-3100
Asia Pacific Groups	Maggie Luo	maggieluo@yahoo.com	415-731-3100
Asia Pacific Groups	Pamela Chan	pamechan@yahoo.com	415-731-3100 x626
Asia Pacific Groups	Peter Hutyra	piotr74656@comcast.net	415-731-3100
Asia Pacific Groups	Phoebe Dinh	DinhRealEstate@yahoo.com	415-731-3100
Asia Pacific Groups	Lydia Cuiting	lcuiting@asiapacificgroups.com	415-731-3100 x112
Asia Pacific Groups	Ross Sit	rsit@asiapacificgroups.com	415-731-3100
Axis Mortgage & Finance, Inc.	Mark Bello	mark@axisloans.com	408-243-7043
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 Endo	chad.endo@bankofamerica.com	408- 685-1137
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	Christine Rocca	christine.rocca@bankofamerica.com	510-517-1098
Bank of America Mortgage	Colleen Coyle	colleen.coyle@bankofamerica.com	415-380-2556 x321
Bank of America Mortgage	Darlene Gonzalez	Darlene.Gonzalez@bankofamerica.com	650-504-6487
Bank of America Mortgage	David Siebenlist	david.siebenlist@bankofamerica.com	415-913-2289
Bank of America Mortgage	Derek Kam	derek.kam@bankofamerica.com	510-676-8883
Bank of America Mortgage	Don Maxon	Don.S.Maxon@bankofamerica.com>	415-925-2424
Bank of America Mortgage	Eliza Wu	eliza.wu@bankofamerica.com	415-834-3409
Bank of America Mortgage	Helen Chen	hchen@bankofamerica.com	415-436-5230
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	Margalit Ashira Ir	Margalit.A.Ir@BankofAmerica.com	925-513-6243
Bank of America Mortgage	Marilyn He	marilyn.he@bankofamerica.com	415-205-9736
Bank of America Mortgage	Michael Collantes	michael.collantes@bankofamerica.com	415-205-8541
Bank of America Mortgage	Michelle Brandt	michelle.brandt@bankofamerica.com	925-692-7440
Bank of America Mortgage	Natalie Salins	natalie.salins@bankofamerica.com	323-644-1200
Bank of America Mortgage	Patricia Fresnoza	patricia.fresnoza@bankofamerica.com	415-744-5901
Bank of America Mortgage	Paul D Young	paul.d.young@bankofamerica.com	415-436-5304
Bank of America Mortgage	Remy Ghafouri	remy.ghafouri@bankofamerica.com	650-465-9337
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	Romina Ruiz	romina.ruiz@bankofamerica.com	415-834-3401
Bank of America Mortgage	Ryan Keller	ryan.keller@bankofamerica.com	415-436-2721
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	Todd Wills	Todd.f.wills@bankofamerica.com	415-519-1352
Bank of America Mortgage	Vautour, Michelle	michelle.vautour@bankofamerica.com	408-832-9726
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 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 x329
Bankers Preferred Real Estate Loans	Kitty Lee	kitty@bankerspref.com	650-227-1015
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 Corporation	Paul McDermott	paul@baycalfinancial.com	415-885-6668 x25
BayCal Financial Corporation	Patrick M Gee	pmgloans@hotmail.com	415-699-4839
BayCal Financial Corporation	Willsenn Kuo	wkuo@accessloan.biz	650-799-1798
Benchmark Mortgage Lending	Dominique Stevens	dominique.stevens@benchmark.us	415-888-8748
Benchmark Mortgage Lending	Jeremy Forcier	Jeremy.Forcier@benchmark.us	707-789-9023x104
BEZ Financial Network Inc.	Bianca Yao	johnnyyao@sbcglobal.net	415-203-1996
BEZ Financial Network Inc.	April Hue	aprilhue@gmail.com	650- 246-8881
BEZ Financial Network Inc.	Millie Lee	millie.lee@bezfinancial.com	650-873-2228
Bridgeline Capital Group	Yilam Kang	YKang@bridgelinecg.com	415-377-5505
California Consumer Lending	Albert Lee	albertklee@sbcglobal.net	650-227-6688
California Consumer Lending	Vicki Yue	vicki.yue@cclfinance.com	650-227-6688
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
Chase Home Finance	Alice Leach	alice.leach@chase.com	415-999-1851
Chase Home Finance	Benjamin Rojas	Benjamin.s.rojas@chase.com	415-315-3938
Chase Home Finance	Cort Cortez	cort.a.cortez@chase.com	415-315-7746
Chase Home Finance	Debbie R. Byrne	deborah.r.byrne@chase.com	415-315-7765
Chase Home Finance	Elaine Doucet	Elaine.M.Doucet@chase.com	415-315-8412
Chase Home Finance	Jaime Arroyo	jaime.x.arroyo@chase.com	408-627-9547
Chase Home Finance	Matthew Nguyen	matthew.x.nguyen@chase.com	415-315-3934
Chase Home Finance	Nancee K Fujitake	nancee.k.fujitake@chase.com	415-315-8676
Chase Home Finance	Samuel Thompson	Samuel.Thompson@Chase.com	510-774-9355
CIG Corp.	Kenneth Yip	info@Kennethyip.com	650-931-8700
CIG Corp.	Nick Goldman	ngoldman@cigcorp.net	650-931-8700 x8740
CIG Corp.	Scott O'Connor	soconnor@cigcorp.net	650-931-8700
CIG Corp.	Tin Tin Su	ttshu@cigcorp.net	415-672-7785
CIG Corp.	Franklin Lee	franklinlee@cigcorp.net	415-699-3939
Citimortgage	Ken Yu	ken.yu@citi.com	415-609-1882
Citimortgage	Susan K. Waller	susan.k.waller@citi.com	707-310-4765
Citimortgage	Wayne Kuchel	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
Coldwell Banker	Michael B. Soon	michael.soon1@gmail.com	415-867-7869
Coldwell Banker	Rubi Kawamura	Rubi.Kawamura@cbnorcal.com	415-613-3285
DaCor Financial	Doug Goelz	dgoelz@dacorfinancial.com	415-730-4665
ERA Golden Gate Properties	Andy Chan	aneter@aol.com	415-297-6836
ERA Golden Gate Properties	Doreen Yu	dYu@asiapacificgroups.com	415-373-8243
Executive Mortgage Services	Celia Ahmed	Executivemortgag@aol.com	650-992-2520
Far East National Bank	Allan Chung	Allan.Chung@FENB-US.com	415-677-8573
Far East National Bank	Eric Norman	eric.norman@fenb-us.com	510-267-6818
Far East National Bank	Kitty Lau	kitty.lau@fenb-us.com	415-677-8564
Far East National Bank	Lulu Koo	lulu.koo@fenb-us.com	510-267-6816
Far East National Bank	Po Liang	po.liang@fenb-us.com	415-677-8571
Far East National Bank	Steven Yang	steven.yang@fenb-us.com	415-677-8536
First Capital Group	Dan Evets	dan@fcgmortgage.com	415-710-3647
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.	Nik Tulchinsky	nt2244@yahoo.com	510-504-0141
First Home Inc.	Patrick Kennedy	patrick@fhicda.com	415-314-8961
First Home Inc.	Rich Tomasetti	Trich_sun@yahoo.com	510-583-5091
First Home Inc.	Sara Tao	saratao2000@yahoo.com	510-333-7287
First Priority Financial	Bill Mattle	bmattle@mymortgageforum.net	415-672-5555
Founders Mortgage	Grace Law	grace@foundersmtg.net	415-582-0888
General Mortgage Capital Corp.	Jee Wung Low	jee01@yahoo.com	650-340-7800x198
General Mortgage Capital Corp.	Raymond Chou	raymond@gmccloan.com	650-340-7800 x108
Guarantee Mortgage	C. J. Kerls	cj@kerls.com	415-586-6003
Guarantee Mortgage	Dean Rizzi	Dean@DRLending.com	415-694-5533
Guarantee Mortgage	Debra Stedt	dstedt2825@aol.com	415-861-2825
Guarantee Mortgage	Diana Hasentstab	dianah@gmwest.com	415-694-5510
Guarantee Mortgage	Donna Aldrich	donna@donnaaldrich.com	415-345-4320
Guarantee Mortgage	Faviola Gonzalez	fgonzalez@gmwest.com	415-694-5540
Guarantee Mortgage	Glenn Rodriguez	glenn@cahomefinancing.com	415 570-0400
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	Mark Wiener	mwiener@gmwest.com	415-694-5521
Guarantee Mortgage	May Montana	may@maymontana.com	415-694-5513
Guarantee Mortgage	Miles Grant	miles@mgrantfunding.com	415-694-5554
Guarantee Mortgage	Phillip Cannon	phillipocannon@mac.com	415-694-5509
Guarantee Mortgage	Rick Bertolina	rickb@gmwest.com	415-694-5537
Guarantee Mortgage	Sergei Andruha	sandruha@gmwest.com	415-309-0157
Guarantee Mortgage	Sue Ballinger	sue@sueballinger.com	415-345-4379
Guarantee Mortgage	Sue Florence	sue@ashwellflorence.com	415-812-9508
Guarantee Mortgage	Ye Gong	ygong@gmwest.com	415-345-4347
Guild Mortgage	Paul Bauer	pbauer@guildmortgage.com	702-248-0029
Guild Mortgage	Robert McMahon	rmcmahon@sdmn.net	800-287-8292 x228
Horn & Co. Financial	Renée Cole	rcole@hornandco.com,	415-861-7100x109
HSBC USA	Abby Ho	Abby.Ho@us.hsbc.com	415-218-4555
HSBC USA	Amy Ku	amy.s.ku@us.hsbc.com	650-222-5645
HSBC USA	Emily Wu	Emily.x.wu@us.hsbc.com	510-433-6163
HSM Realty Finance Management	Tracy Dearman	tdearman@hsmsf.com	415-431-7655 x101
Integrated Mortgage	Trent Hu	Trent@TrentHu.com	415-724-6999
Jadestone Mortgage	Blair Herbert	blair@jadestoneinc.com	510 243 2740
KC Capital Mortgage, Inc.	Barbara Kuang	bkuang@kccapitalmortgage.com	510-505-7433
Land & Property Investment, Inc.	Denny Lai	dennylai@lpirealtor.com	415-731-0303 x107
Land & Property Investment, Inc.	Henry Low	henrylow@lpirealtor.com	415-731-0303
Land & Property Investment, Inc.	Rachel Wong	rachelwong@lpirealtor.com	415-731-0303
Land & Property Investment, Inc.	Tom Chan	tomchan@lpirealtor.com	415-731-0303
Land-Home Financial Services	Jake Pavlovsky	jpavlovsky@lhfinancial.com	415-656-1171
Mason McDuffie Mortgage Corporation	Nicki Duesberg	nduesberg@mmcdcorp.com	510-339-5922
Mason McDuffie Mortgage Corporation	Patricia Torres	PTorres@mmcdcorp.com	510-367-7471
Mercury Lending, Inc.	Alex M. Shvartsman	Alex@mercurylending.com	415-371-8405
Met Life Home Loans	Paddie Tecson	Ptecson@metlifehomeloans.com	650-559-5512
Mission Hills Mortgage Bankers	Chris Doolittle	cdoolittle@mhmb.com	707-303-2902
Mission Hills Mortgage Bankers	Mary Kennaugh	MKennaugh@mhmb.com	707-303-2912
Money Wise Mortgage	Alvin Edington	alvin@moneywisemortgage.com	650-295-9527
Mortgage California	Mike Ervin	MikeErvin@mortgagecalifornia.com	650-931-0045
Mortgage Center Corperation	Christy Cheng	mccheng@sbcglobal.net	650-652-9000
NACA-Neighborhood Assistance Corporation of America	Lisa Weathers	Lweathers@naca.com	510-652-6622 x207
New Chartered Financial	Lolita Chung	sfmortgagebroker@yahoo.com	415-759-8282
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
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	Cecilia Diaz	cdiaz@patelco.org	650-877-8050
Patelco Credit Union	Joe Kleemann	jkleemann@patelco.org	415-442-6200 x5912
Princeton Capital	Andrea Lanier	AndreaLanier@princetoncap.com	415-338-0213
Princeton Capital	Eric Wood	EricWood@princetoncap.com	415-229-1228
Princeton Capital	Veronica D Martinez	VeronicaMartinez@princetoncap.com	415-338-0200
Prospect Mortgage	Kenny Stephen	kenny@kennystephen.com	415-412-3363
Prosperity Mortgage	Chi Hom	chom7@yahoo.com	415-812-4150
Prosperity Mortgage	Yvonne Liu	yvonneliu38@gmail.com	415-517-8118
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	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	Carrie Sanford	csanford@rpm-mtg.com	925-788-1029
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	Michele Furlong	mfurlong@RPM-MORTGAGE.COM	415-343-6782
RPM Mortgage	Ruben Valentin	rvalentin@rpm-mtg.com	510-499-1072
RPM Mortgage	Ryan MacArthur	rmacarthur@rpm-mtg.com	925-295-9385
Samson Wong	Samson Wong	888samwong@gmail.com	415-397-3787
San Francisco Federal Credit Union	Carmen Leung	Carmen_Leung@SanFranciscoFCU.com	415-359-2928
San Francisco Federal Credit Union	Kenny Yip	kenny_yip@sanfranciscofcu.com	415-359-2924
San Francisco Federal Credit Union	Tony Wong	Tony_Wong@SanFranciscoFCU.com	415-359-2987
San Francisco Federal Credit Union	Elam Quanico	elma_quanico@sanfranciscofcu.com	800-358-8228 x5912
San Francisco Federal Credit Union	Rodel Cuartero	Rodel_Cuartero@SanFranciscoFCU.com	415-359-2980
San Francisco Federal Credit Union	Winnie Law	winnie_law@sanfranciscofcu.com	800-358-8228 x5912
Sterling Bank	Henry Jeanes	hjeanes@sterlingbank.com	415-970-9889
TSE Financial	Agnes Tse	agnesptse@yahoo.com	415-566-5363
TSE Financial	Caroline Hsu	CarolineHsu@tsefinancial.biz	415-566-5363
TSE Financial	Jenny Kramer	jennyk_kramer@yahoo.com	415-407-1147
TSE Financial	Monina B.Balagtas	monieba@yahoo.com	415-566-5363
TSE Financial	Winnie Liu	Winnie@tsefinancial.biz	415-517-2800
TSE Financial	Char Longwello	char@weltax.com	415-252-7552
TSE Financial	Gina Tse	tsefinancial@sbcglobal.net	415-566-5363
TSE Financial	Hector H Rosas	HectorRosas@tsefinancial.biz	415-566-5363
TSE Financial	Irma Campos	irmacampos@tsefinancial.biz	415-566-5363
TSE Financial	Natalie Sripetch	Natalie@tsefinancial.biz	415-566-5363
TSE Financial	Christine Leung	cleung297@yahoo.com	415-566-5363
TSE Financial	Yelena Alekseyenko	yelenadecker@gmail.com	415-312-2271
U.S. Bank Home Mortgage	Kristina James	kristina.james@usbank.com	925-250-4333
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 M.Wyatt	Ana.M.Wyatt@wellsfargo.com	415-247-1263
Wells Fargo Home Mortgage	Beatrice Tao	Beatrice.Tao@wellsfargo.com	415-571-9226
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	Jackie Yi	Jackie.Yi@wellsfargo.com	415-247-1293
Wells Fargo Home Mortgage	Joe Hollomon	Joe.hollomon@wellsfargo.com	415-379-2590
Wells Fargo Home Mortgage	Lily F. Johns	lilyjohns@wellsfargo.com	415-977-9332
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	Clemy Law	Clemy.Law@wellsfargo.com	415-509-8980
Wells Fargo Home Mortgage	Gayle Wang	Gayle.L.Wang@wellsfargo.com	650-208-7019
Wells Fargo Home Mortgage	Gus Cano	Augusto.Cano@wellsfargo.com	415-396-3384
Wells Fargo Home Mortgage	Jacqueline C. Malic	Jacqueline.C.Malic@wellsfargo.com	510-346-1704
Wells Fargo Home Mortgage	Jasmine Cheng	Jasmine.H.Cheng@wellsfargo.com	415-222-1009
Wells Fargo Home Mortgage	Jeff Ryan	Jeffrey.ryan@wellsfargo.com	925-943-2200
Wells Fargo Home Mortgage	Jodi Fischer	Jodi.A.Fischer@wellsfargo.com	415-897-9103
Wells Fargo Home Mortgage	Laurianna CejaDiaz	Laurianna.CejaDiaz@wellsfargo.com	650-287-4901
Wells Fargo Home Mortgage	Marcel Mangaliman	Marcel.Mangaliman@wellsfargo.com	415-396-3354
Wells Fargo Home Mortgage	Ronald Chiu	Ronald.Chiu@wellsfargo.com	415-396-8516
Wells Fargo Home Mortgage	Tammy Huynh	Tammy.D.Huynh@wellsfargo.com	415-652-2759
Wells Fargo Home Mortgage	Christopher Sinhbandith	Christopher.Sinhbandith@wellsfargo.com	415-647-7534
Wells Fargo Home Mortgage	Damien Ha	Damien.W.Ha@wellsfargo.com	415-621-0122
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