By Tanu Henry, California Black Media 

Tiffany Duvernay-Smith went from knowing the harsh realities of homelessness to owning her first home – made possible by the California Housing Finance Agency’s (CalHFA) Dream For All program, which is reopening applications this month with up to $150,000 in down payment assistance for first-generation buyers.

“I feel like I was the least likely person,” says Duvernay-Smith, who is Coordinator for the Los Angeles Homeless Services Authority’s Lived Experience Board, a published journalist, artist and outspoken advocate for unhoused people, people living with disabilities and domestic violence survivors.

“I didn’t know my story would change from homeless to homeowner,” she added. “But if there’s a house with your name on it, nothing can stop you.”

Duvernay-Smith’s journey exemplifies the transformative potential of Dream For All, a program designed to help first-generation homebuyers across California. Applications will open on Feb. 24 and close on March 16. The program uses a random selection process to ensure equitable access, and Gov. Gavin Newsom’s office has directed that at least 10% of funds be allocated to applicants in Qualified Census Tracts—communities that have historically faced discriminatory or unfair barriers to homeownership.

For eligible participants, the program provides up to 20% of the home’s purchase price or appraised value as down payment assistance, capped at $150,000.

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CalHFA expects to make $150 million to $200 million available in 2026, potentially helping 1,000 to 1,500 families, with a total of approximately 2,000 households supported through the 2025–26 budget allocation of $300 million.

The program is particularly impactful for Black Californians, who continue to face the highest rates of homelessness across the state and significant barriers to homeownership due to decades of discriminatory housing policies and wealth inequities.

“Black Californians continue to face some of the widest homeownership gaps in the state,” says Regina Brown Wilson, Executive Director of California Black Media. “Programs like Dream For All are critical because they directly address generational inequities.”

Wilson spoke during an online news briefing on Jan. 30 that featured Eric Johnson, information officer in CalHFA’s Marketing and Communications Division, and Shonta Clark, senior loan consultant and CalHFA program educator, home counselor, and broker in Southern California.

“There are a lot of people in California with steady jobs, good incomes, and strong credit scores – but who haven’t been able to save the five or even six figures needed for a down payment on a home,” says Johnson. “That’s exactly what Dream For All is designed to address.

Eligibility requirements focus on first-generation homebuyers—those who have not owned a home in the past seven years and whose parents do not currently own one. CalHFA defines a “first-time homebuyer” as someone who has not owned and lived in their own home in the past three years. Foster youth are automatically considered first-generation homebuyers, reflecting the program’s commitment to reaching Californians who have faced systemic barriers, CalHFA says.

Applicants must work with CalHFA-approved lenders and provide standard documentation such as government-issued IDs and parental information.

Johnson encourages applicants to remain optimistic.

“Take the first step. Despite high interest rates and high prices, it is still possible to buy your first home in California. Believe in yourself and know that homeownership is meant for you,” says Johnson.

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Sponsored by JPMorganChase 

You’ve put in the late nights, the weekends and the hustle. And now, what started as an opportunity to make extra money has turned into an enterprise with real potential.

If you handle everything on your own – logistics, production, marketing, finances and everything in between – you’re part of a growing group of entrepreneurs nicknamed “solopreneurs.” While the image of a small business often includes an owner and a few employees, for many entrepreneurs, “solopreneurship” makes the most sense for their business model and goals.

If you’re considering the solopreneur life or have already launched your business, JPMorganChase offers five helpful tips for you to grow your business in 2026.

1. Identify or solidify a business opportunity.

If you want to become a solopreneur or enhance your current offerings, look for a need in Oakland or come up with an innovative idea. Maybe it’s a service that can help others or a product that could enhance or simplify their lives.

Once you have your big idea, careful planning and preparation can give your startup its best shot at becoming a success. That can include researching your industry’s trends to see if you’re meeting a niche or a growing need. Look for long-term demand and understand your total addressable market, not just seasonal or trendy success.

2. Make a business plan.

Start by writing or refining a business description to outline your goals and strategy. Your plan doesn’t have to be long, but it should outline your mission, goals, competitive analysis, marketing approach and financial forecasts.

If you’re already running a business, examine your customer base. Do you have repeat customers? Are they referring others to you? Side hustles that work have a steady and growing customer base. If yours does, it’s a positive sign your business may be ready for the next step.

3. Maximize savings to impact growth.

Many entrepreneurs use some personal savings to get their businesses started but also pursue business lines of credit or small business loans to fund equipment and marketing plans. No matter how you get started, prioritizing saving along the way will help secure the funds you need to get your business up and running. One powerful tool for solo entrepreneurs is the new Solo 401(k) from JPMorganChase. This plan is designed for business owners without full-time employees, apart from their spouse, and allows for high annual contributions — up to $72,000 for themselves and their spouse — with both pre-tax and Roth options.

The key is consistency. According to data from Chase, while Solo 401(k) accounts are a popular choice for self-employed business owners, 70% didn’t contribute in the past year. Building small, sustainable habits — such as setting up automatic monthly contributions or scheduling quarterly check-ins with a financial advisor — can strengthen follow-through. Over time, these simple actions add up, helping ensure Solo 401(k) accounts reach their full potential and deliver meaningful long-term results.

You could also look for additional financing from angel investors—wealthy individuals that can provide small investments, usually in the very early stages of a business. Angel investors accept more risk but want an ownership stake. Crowdfunding can also be beneficial for solopreneurs. With the right product and approach, you can raise small dollar amounts from a large pool of individual online backers with the bonus of connecting with your target customers early on.

4. Develop your marketing and brand strategy.

Define your brand voice and value proposition and choose the right marketing channels for growth. You might explore channels such as social media, email marketing or paid advertising. As you set a realistic marketing budget, consider the cost of tools, advertising and outsourced services like graphic design or content writing. Start small, measure results and scale what works.

You should also build a strong network to find mentors who can provide startup advice. Stay focused on your target audience so you can market to them effectively.

5. Plan for growth and operations.

The logistical side of entrepreneurship includes thinking about order fulfillment, customer service, project management and scheduling. Invest in the right tools to streamline daily operations, improve customer experience and save time.

A final note:  Self-employment comes with new tax responsibilities, including quarterly estimated taxes and self-employment tax. You may also need to collect and remit sales tax, depending on your industry—and you could have to pay sales tax in all the states where your goods or services are sold.

You may already be operating as a sole proprietor, but going full time could mean exploring a more formal business structure. While creating an LLC for your side hustle is common, consider which structure best supports your long-term goals and legal needs. Depending on your industry, you may need licenses, permits, insurance, contracts or compliance paperwork before you can legally or safely scale operations.

If you want more assistance in taking your solo business to the next level, your local financial institution has resources that can help. You can also reach out to a Chase business banker today for more information and advice.

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By Amanda Kim, California Black Media

Midwife and full-spectrum birthing care advocate Nikki Helms has spent nearly two decades supporting families through pregnancy, birth and the often-overlooked postpartum period in California.

A Certified Professional Midwife, lactation educator, and DONA-and CAPPA-trained labor and postpartum doula, Helms is known for her deeply personalized, in-home education, her community-centered workshops, and her unwavering belief that evidence-based care and informed consent are essential to healthy outcomes for parents and babies. As the founder of the San Diego Birth Center, she has helped create a welcoming, home-like alternative to hospital birth — one rooted in continuity of care, trDAt and deep listening.

In this Q&A with California Black Media, Helms reflects on what it would take to truly improve birthing services in the United States, why midwifery must be fully integrated into the healthcare system, and how trauma, safety and community shape birth experiences across a lifetime. Drawing on her clinical expertise and lived experience, Helms shares insights on building supportive birth environments, paying for care, and what every parent and baby deserves for a healthy start.

What is the one thing we could do to improve birthing services in the U.S.?

We need to integrate well-trained, super-experienced, certified professional midwives fully into the healthcare system. Over the last century, the medical community has excluded, and in some states, banned midwifery, which has impacted Black parents and babies the most and limited safe choices. Today, the U.S. spends more money than any other developed nation on maternity care with some of the worst outcomes — for Black families especially. The integration of professional midwives is long overdue.

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What does a midwife do?

There are several types. I’m a certified professional midwife and founder of a birth center. But there are also midwives who come to your home, educators, lactation consultants, doulas who provide support and advocacy, and monitrices, who have clinical training and can support the mother before and after the birth.

How are birth centers and midwifery services different from traditional care?

A lot of people feel more at home in a birth center. They are often colorful, inviting, simple, and calm. People also feel more at home because we’ve supported them from six weeks into their pregnancy to six weeks after the birth. That’s nearly a year, so we’ve gotten to know them and understand their lives. This wonderful continuity can help us identify subtle issues later on, especially postpartum. A team of three midwives will always pick up on cues.

As a midwife, what does this work mean to you?

This work just fills my soul. It empties me out completely and fills me. It’s the look on someone’s face after their baby has been born. They are filled with an amazing clarity and a look that says, “I did it.” And I can say, “Yes, you did, and I’m not surprised at all because I believe in you to the depths of my soul.”

After helping so many parents and babies, how has this work changed you?

I often think that peace on earth begins with birth. There are so many things wrong with the world that we can trace back directly to the birth experience. So, if we take care of mothers and babies and create a community around birth, then we are raising children who will know what it means to be emotionally mature, to have boundaries and to feel safe. People who feel safe don’t start wars or get into a lot of trouble.

How do parents pay for midwifery services?

Midwives and birth centers often accept cash, payment plans, credit cards, and certain insurances, like Medi-Cal. I tell expectant parents to, “Put out a shoebox at your baby shower and ask for $20 a head and use that money to pay for your postpartum doula. Help yourself along the way.”  People can also create online fundraisers.

If you were to give every parent and baby a healthy birth bag, what would be in it?

1. Education, so you know what to expect physiologically and psychologically. Take out some of the surprises. For example, giving birth is generally bloodless, but not vomit-less.
2. Support without judgment. That can be a partner, a doula, your mother, a partner’s mother, a best friend, aAnd if you have to pay for it, then do, because it’s worth every dime.
3. Additional nutrition. We don’t want to take anything away from you, but we want to add the nutrition that will help you, your pregnancy and your baby.
4. External connection, a place to tell your stories and listen to other stories. That’s how we build community.
5. Two books: The Red Tent by Anita Diamant, which tells the stories of mothers in the Bible and how babies and the birth experience connect us all and The Happiest Baby on the Block by Dr. Harvey Karp, which combines science and wisdom.
6. A little bit of “woo,” because I definitely believe that babies are incredibly spiritual beings. And birthing people are a passage for these spiritual beings. So, a lot of education, a lot of support, a lot of nutrition, and just a little bit of woo sprinkled on at the end, should cover it.

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