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New Cal Law Addresses Anti-Black Bias in Home Appraisal Process

“Black homeowners in predominantly White neighborhoods are getting their homes appraised for far less than their neighbors,” Holden said. “It’s just another example of how bias, whether explicit or implicit, creates inequity for Black Americans. This is redlining 2.0.”

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Before she puts the home on the market, the mid adult realtor evaluates the property.

Paul Austin and his wife Tenisha Tate, a Bay Area Black couple, were confident that the sale of their Marin City home would net them a sizeable profit. They had invested hundreds of thousands of dollars into renovations before putting it on the market.

But that process turned sour when the couple discovered alarming race-based discrimination baked into the system of home appraisals.

Austin shared that harrowing experience with the California Task Force to Study and Develop Reparation Proposals during its fourth meeting on Oct. 13.

California’s Assembly Bill (AB) 3121, signed into law in 2020, created the nine-member task force to investigate the history and costs of slavery in California and around the United States. The group is charged with studying and developing reparation proposals for African Americans and recommending appropriate ways to educate Californians about the task force’s findings.

Austin’s testimony added to the growing body of evidence that the wealth gap that exists between Black and White families in the United States was created — and has been maintained throughout history – by deep-rooted racial biases and intentional government policy at the federal, state and local levels.

“We had an appraiser come out in 2019 to appraise our home,” Austin said, talking about selling of his home, which is located five miles north of San Francisco. “She was an older White woman, and she appraised our house for just under a $1 million after we had already put in an additional $400,00 into our property. We did our homework because we should have appraised for $1.4 million. We had to fight against it.”

Austin and his wife added an additional 1,300 square feet to the home’s original 1,300 square footage, he told the Task Force

A qualified appraiser is responsible for creating a report based on a visual inspection. The property’s lot size, square footage, amenities, and number of bedrooms and bathrooms are expected to provide the basis for an unbiased valuation.

When Austin and Tate found a second appraiser, they decided to ask a White female friend to pose as the seller. This time around, they actually netted a surprisingly higher offer of $500,000 more.

When Austin and Tate’s story went viral and made headlines in news reports around the world, other Black families emerged to share disturbing stories of how they, too, were given deceptively low estimations of their homes’ values.

“We’re right at the beginning. The story is now being told,” Austin told the task force. “But within our community, we have not had the opportunity to galvanize people to start looking at their loans and appraisals and comparing them with others, and I mean White folks, to see what’s going on in this industry.”

On Sept. 28, Gov. Newsom signed Assemblymember Chris Holden’s (D-Pasadena) legislation Assembly Bill (AB) 948, which would address discrimination in the real estate appraisal process, such as the prejudicial treatment of Austin and his wife received.

“Black homeowners in predominantly White neighborhoods are getting their homes appraised for far less than their neighbors,” Holden said. “It’s just another example of how bias, whether explicit or implicit, creates inequity for Black Americans. This is redlining 2.0.”

AB 948 would require the Bureau of California Real Estate Appraisals to gather demographic information on buyers and sellers of real estate property and compile data of homeowners from protected classes who file complaints based on low appraisals. The legislation also requires appraisers to take anti-bias training when renewing their licenses.

“This bill reflects a starting point in a much-needed conversation about how discrimination is still prevalent in the home buying and selling process, and I am committed to addressing this inequity,” Holden said.

Less than one in five Black California households could afford to purchase a home valued at the statewide median-price of $659,380 in 2020, as compared to two in five White California households that could buy a home at the same price, according to the California Association Realtors (CAR).

CAR also stated in a February report that the affordability gap is “stark in expensive counties like San Francisco,” where a median-priced home of $1,650,000 was only affordable for 8% of Black households, 15% of Latinx households, and 22%of Asian households, compared to 35% of White households.

The 2019 homeownership rate in California was 63.2% for Whites, 60.2% for Asians, 44.1% for Latinx and 36.8% for Blacks, according to the Census Bureau’s American Community Survey.

Austin said that his family was part of the “second wave Great Migration” of Black people from the Deep South that settled in California around the 1940s. Many of them worked in the Sausalito shipyard in Marin County.

Many of the Black families that came to California during that period lived in government housing in Marin City while working in the naval shipyards in and around San Francisco. When World War II ended, Austin’s grandparents had enough money to purchase a home anywhere in Marin County.

“Due to redlining, they did not have that opportunity. Blacks weren’t able to buy land outside of Marin City,” he said. “If you look at Marin County, currently it’s arguably the richest county in California. The data also shows, when race counts, that Marin County, as a whole, has the largest disparities anywhere. It’s such a huge gap.”

Austin, who attended the Historical Black College and University, Texas Southern University in Houston, said that he doesn’t want to see his children or other Black Californians deal with the same types of issues.

“Just think that if we didn’t have the will to fight the appraisal company,” Austin said. “It’s the systems that have been created by White people for White people that continuously, negatively affect people that look like me. Now it’s time to take those steps and right the wrongs.”

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Activism

The People’s Coalition to Stop Deed Theft Speaks at National Probate Reform Coalition Meeting

Evangeline Byars and Carmella Carrington lead the STOPDEEDTHEFT.org movement, fighting rising deed and title fraud, which disproportionately affects Black and Brown communities nationwide.

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Left to right:  Evangeline Byars  and Carmella Carrington are gaining nationwide attention with their STOPDEEDTHEFT.org movement.
Left to right:  Evangeline Byars  and Carmella Carrington are gaining nationwide attention with their STOPDEEDTHEFT.org movement.

By Tanya Dennis

The National Probate Reform Coalition (NPRC) has learned that aside from rampant theft of properties occurring through probate court, deed theft extends even further with the support of banks, police, judges, attorneys and “the system” to steal Black and Brown properties.

Deed and title fraud are rising, with FBI data showing over 9,300 complaints and $173.6 million in losses in 2024 alone.

To that end, NPRC invited Evangeline Byars of The People’s Coalition to Stop Deed Theft as their keynote speaker on May 7.

Deed theft victims reach out to Byars because she has a reputation of getting things done.  Introduced to community organizing at Medgar Evers College in 2011, Byars was mentored by Harry Belafonte and gained further movement training in 2012-13 through his “Gathering for Justice.” Byars also trained with the Youth Brigade 32BJ, Union in 2012 where she learned to map, target, and execute actions.

With that knowledge as an advocacy worker, Byars ran for president of TWU Local 100 for transit workers.  During challenges of the union and political changes in New York when unions no longer had friends in government, they organized.

In 2025, deed theft victims approached Byars and told their stories.  Byars investigated, and discovered rampant, unrelenting theft of properties, primarily from Black and brown families, got involved and helped them with their fight, teaching them how to sustain their fight at the grassroots level while remaining politically independent.  This independence gave them the ability to move without co promise.

Deed theft is the taking of someone’s deed through fraudulent mortgages or a stranger that accesses property records, prepares paperwork and files for an owner’s property. New York is a’ first notice’ state, which means whoever appears first on record is the designated deed holder.

Deed theft escalated between 2013-23, the outcome of the subprime market, when people faced mass foreclosure and short sales. By 2014 people, primary Black and Brown, were fighting for their property.

In California, title theft (deed fraud) is a fast-growing threat often targeting high-equity homes, vacant land, and rentals. As of 2024, California leads the nation in real estate fraud with over 1,583 cases costing roughly $24.8 million in losses in a single year, reflecting the state’s prime position for scammers due to high property values, the FBI reports.

Byars says, “Deed theft affects Black and Brown people: it is by design, leading to the erasure of people of color homeownership that is happening nationwide. In every big city across the United States, towns and municipalities, we are witnessing a mass exodus of Black and brown people.  This theft cannot occur without judges, notaries and law enforcement, it is a syndicate of players working together for the removal of people by illegal ejectment or eviction.

The People’s Coalition to Stop Deed Theft does court watch and constantly highlight the inequities in the court system.

Byars says, “This is a human rights crisis.  Because of Wall Street and what New York signifies to the nation, know that no state is safe.  Any person can come and create paper terrorism, slap forgery notes on homes; engage in illegal guardian procedures; initiate foreclosures; apply for fraudulent loan modifications; then there’s outright theft and forgery, just taking people’s homes.  Believe me, it’s happening nationally and on the daily, These predators also target seniors over the age of 60 and women.”

The People’s Coalition to Stop Deed Theft take direct actions against perpetrators and are working with the New York District Attorney to create an office dedicated to gighting deed theft.

“Two ways to protect your deed is to keep a note, never satisfy your mortgage, because the bank is the biggest gangster, but if you’re making a payment, it keeps them in check.  Or put your home in a living trust, once you have a trust, it hides the owner’s name and protects the person from predators.”

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Activism

Can You Afford a Mortgage but Not the Down Payment? Dream For All Offers Up to $150K

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 a minimum of 10% of funds go to applicants in Qualified Census Tracts — communities that historically faced discriminatory or unfair barriers to home ownership.

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Tiffany Duvernay-Smith.
Tiffany Duvernay-Smith.

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.

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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Activism

We Fought on Opposite Sides of the Sheng Thao Recall. Here’s Why We’re Uniting Behind Barbara Lee for Oakland Mayor

Today, we are coming together to do all we can to make sure Barbara Lee is elected Mayor in the April 15 Oakland special election. Here’s why. Now more than ever, Oakland needs a respected, hands-on leader who will unite residents behind a clear vision for change. The next mayor will have to hit the ground running with leaders and stakeholders across our political divide to get to work solving the problems standing in the way of Oakland’s progress. Job No. 1: improving public safety. Everyone agrees that all Oaklanders deserve to feel safe in their neighborhoods. But sadly, too many of us do not. 

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Robert Harris (left) is a retired attorney at PG&E and former legal counsel for NAACP. Richard Fuentes is co-owner of FLUID510 and chair of the Political Action Committee, American Federation of State, County, and Municipal Employees (AFSCME) Council 57. Courtesy photos.
Robert Harris (left) is a retired attorney at PG&E and former legal counsel for NAACP. Richard Fuentes is co-owner of FLUID510 and chair of the Political Action Committee, American Federation of State, County, and Municipal Employees (AFSCME) Council 57. Courtesy photos.

By Robert Harris and Richard Fuentes
Special to The Post

The City of Oakland is facing a number of urgent challenges, from housing and public safety to a pressing need for jobs and economic development. One of us, Robert Harris, supported the November recall vote that removed Mayor Sheng Thao from office. Meanwhile, Richard Fuentes believed the recall was the wrong strategy to tackle Oakland’s challenges. 

Today, we are coming together to do all we can to make sure Barbara Lee is elected Mayor in the April 15 Oakland special election. Here’s why.  

Now more than ever, Oakland needs a respected, hands-on leader who will unite residents behind a clear vision for change.

The next mayor will have to hit the ground running with leaders and stakeholders across our political divide to get to work solving the problems standing in the way of Oakland’s progress. 

Job No. 1: improving public safety. Everyone agrees that all Oaklanders deserve to feel safe in their neighborhoods. But sadly, too many of us do not. 

During her three decades in the state Legislature and Congress, Lee made public safety a priority, securing funding for police and firefighters in Oakland, delivering $15.8 million in community safety funding, and more. Today, she has a plan for making Oakland safer. It starts with making sure police are resourced, ready, and on patrol to stop the most dangerous criminals on our streets. 

Oakland residents and business owners are feeling the impact of too many assaults, smash/grabs, retail thefts, and home robberies. Lee will increase the number of police on the streets, make sure they are focused on the biggest threats, and invest in violence prevention and proven alternatives that prevent crime and violence in the first place.

In addition, on day one, Barbara Lee will focus on Oakland’s business community, creating an advisory cabinet of business owners and pushing to ensure Oakland can attract and keep businesses of all sizes.

The other top issue facing Oakland is housing and homelessness. As of May 2024, over 5,500 people were unhoused in the city. Oaklanders are just 25% of the population of Alameda County, but the city has 57% of the unhoused population.

Unhoused people include seniors, veterans, single women, women with children, people who suffer physical and mental illness, unemployed and undereducated people, and individuals addicted to drugs. Some are students under 18 living on the streets without their parents or a guardian. Research shows that 53% of Oakland’s homeless population is Black. 

Starting on her first day in office, Lee will use her national profile and experience to bring new resources to the city to reduce homelessness and expand affordable housing. And she will forge new public/private partnerships and collaboration between the City, Alameda County, other public agencies, and local nonprofits to ensure that Oakland gets its fair share of resources for everything from supportive services to affordable housing.

Besides a public safety and housing crisis, Oakland has a reputational crisis at hand. Too many people locally and nationally believe Oakland does not have the ability to tackle its problems.

Lee has the national reputation and the relationships she can use to assert a new narrative about our beloved Oakland – a vibrant, diverse, and culturally rich city with a deep history of activism and innovation.

Everyone remembers how Lee stood up for Oakland values as the only member of Congress not to authorize the disastrous Iraq War in 2001.  She has led the fight in Congress for ethics reform and changes to the nation’s pay-to-play campaign finance laws.

Lee stands alone among the candidates for mayor as a longtime champion of honest, transparent, and accountable government—and she has the reputation and the skills to lead an Oakland transformation that puts people first.

The past few years have been a trying period for our hometown.

Robert Harris supported the recall because of Thao’s decision to fire LeRonne Armstrong; her refusal to meet with certain organizations, such as the Oakland Branch of the NAACP; and the city missing the deadline for filing for a state grant to deal with serious retail thefts in Oakland. 

Richard Fuentes opposed the recall, believing that Oakland was making progress in reducing crime. The voters have had their say; now, it is time for us to move forward together and turn the page to a new era.

The two of us don’t agree on everything, but we agree on this: the next few years will be safer, stronger, and more prosperous if Oaklanders elect Barbara Lee as our next mayor on April 15.  

Robert Harris is a retired attorney at PG&E and former legal counsel for NAACP.

Richard Fuentes is co-owner of FLUID510 and chair of the Political Action Committee, American Federation of State, County, and Municipal Employees (AFSCME) Council 57.

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