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Owning a Home: Guidance from Your Local Home Lending Advisor

Chase has developed a new role called “Community Home Lending Advisor,” which is designed to be in minority and low-to-moderate income communities. These are experts focused on local housing and down payment assistance programs and work closely with local housing nonprofits and other community organizations. To date, Chase has hired more than 100 Community Home Lending Advisors nationwide and will continue to expand.

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If you think you’re ready to take the next step in purchasing a home, reach out to learn more about the tools, resources and capital available to help make your homeownership dream a reality.
If you think you’re ready to take the next step in purchasing a home, reach out to learn more about the tools, resources and capital available to help make your homeownership dream a reality.

Are you considering buying your first home, but unsure where to start? Purchasing a home is one of the biggest financial decisions a person can make, and the path to ownership may feel confusing for many first-time buyers. Thankfully, it doesn’t have to be. Chase bank can help you navigate the homebuying process, so getting the keys to your first home may be closer than you think.

Homeownership is more than just a dream for many Americans. In Chase Home Lending’s First-Time Homebuyer Study, 69% of respondents said they see homeownership as an important part of building wealth. The survey included more than 1,100 consumers who indicated that they are looking to purchase a home and are actively preparing to buy.

For Black communities, who have a significantly lower homeownership rate compared to other groups, the 2008 housing crisis and the COVID-19 pandemic continue to take a major toll. That’s why Chase is taking steps to play an active role in creating opportunities for minority communities, which includes offering affordable, low downpayment options with products and programs designed for Black families on their path to homeownership.

Dive in and uncover what you need to know about buying your first home, and how Chase can help make your dream a reality.

Working with a Home Lending Advisor

Chase’s Home Lending Advisors are responsible for helping you prepare for homeownership, find the financing solutions to fit your needs, and get all of the down payment/housing assistance for which you may qualify. Home Lending Advisors work very closely with many first-time homebuyers, helping them navigate this process for the first time. They also help customers who are looking to refinance, or who might be upsizing or downsizing their current home. Chase and its Home Lending team start by looking at each customer’s full financial picture in order to make the best recommendation for your successful path to homeownership. From prequalification to closing, we’re here to offer guidance, support and expertise along the way.

Applying for Home Loans

A few basic things first-time buyers should understand before starting this process are:

  1. Prepare your finances: Buying a home can be a big financial undertaking, which is why it will be important for you to get your finances in good shape. This involves things like continuing to pay bills on time, not taking on new debt and strengthening your credit score, which can help you secure a lower interest rate on your home loan. Chase is making it easier for customers to build up their credit score by supporting Project REACh, a program that increases chances of approval for applicants who have traditionally lacked access, so they can take that very first step.
  2. Plan for your down payment: It’s a well-known fact that you will most likely need to put money down up front to purchase a home. However, it’s a myth that you must put 20% down. Every case is different, and there are a variety of mortgages available that may require as little as 3% down, such as the Chase DreaMaker. There may also be local programs that could help with down payments and closing costs. It’s always a good idea to start saving, but it’s also important to get familiar with what products and assistance might be available to you. You can connect with a Home Lending Advisor to get started.
  3. Get pre-qualified: As you begin your homebuying journey, you should know upfront how much home you can afford. Getting pre-qualified through a lender like Chase allows you to see what you may be eligible for, and it also shows sellers and real estate agents that you’re a serious and competitive buyer.

Acknowledging the Resources Available to You

Chase’s Homebuyer Grant program offers up to $5,000 for eligible customers to help with closing costs and down payment assistance when buying a home in more than 6,700 minority communities nationwide. The Chase DreaMaker mortgage offers down payments as low as 3% and reduced mortgage insurance.

Chase also developed a new role called “Community Home Lending Advisor,” which is designed to be in minority and low-to-moderate income communities. These are experts focused on local housing and down payment assistance programs and work closely with local housing nonprofits and other community organizations. To date, Chase has hired more than 100 Community Home Lending Advisors nationwide and will continue to expand.

Getting Started Today

For those starting their journey toward homeownership, Chase’s financial goals hub is a great starting point. You start by picking a goal, which could be saving or building credit, and exploring advice, offerings and tools to help you track toward it and achieve it. The Grow Your Savings page, for example, offers an interactive calculator that maps out a timeline to reach savings goals and highlights how the Autosave tool can help you manage a regular savings schedule to stay on track and meet your goals. There are other great resources, too, like budget worksheets to monitor and track monthly spending, guidance on using the Credit Journey tool to build and protect credit, as well as background on low-cost checking accounts designed for those who have had trouble getting or keeping an account in the past.

Knowing When to Buy

Buying a home can be exciting, but it can also come with a lot of stress. Learning as much as you can about the homebuying process is the best thing you can do before you start shopping for properties or comparing mortgage options. Other questions you should consider before buying a home include:

  • Do you have a steady income to rely on?
  • How much home can you afford?
  • Have you picked a location where you want to stay long-term?
  • Are you comfortable managing debt?

If you think you’re ready to take the next step in purchasing a home, reach out to learn more about the tools, resources and capital available to help make your homeownership dream a reality.

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Activism

Six Months in, Probate Reform Coalition Marks Progress in Protecting Elders From Financial Abuse

Despite the cited obstacles, NPRC has made some promising inroads towards their mission.  NPRC has identified that nationwide the Attorneys General must be engaged and encouraged to implement oversight, protection and enforcement of the law; members find support from each other as they advocate for redress via “letters of compassion” sent to judges, nursing facilities and law enforcement agencies and members are instructed on their rights, how to take constructive action to protect those rights through access to resources that allow them to intelligently represent themselves in court.

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NPRC member Stewart E. Handte, a former Mineral County, Nevada, Sheriff and 27-year veteran of police work, currently wears an ankle monitor after he was arrested on kidnapping charges for helping his friend, Roger Hilligus, remove Hilligus’ mother, Susan Hilligus, from a nursing facility after finding her bruised and neglected. NPRC has submitted a “Letter of Compassion” for both Handte and Hilligus requesting that charges be dropped. Courtesy photo.
NPRC member Stewart E. Handte, a former Mineral County, Nevada, Sheriff and 27-year veteran of police work, currently wears an ankle monitor after he was arrested on kidnapping charges for helping his friend, Roger Hilligus, remove Hilligus’ mother, Susan Hilligus, from a nursing facility after finding her bruised and neglected. NPRC has submitted a “Letter of Compassion” for both Handte and Hilligus requesting that charges be dropped. Courtesy photo.

By Tanya Dennis

The National Probate Reform Coalition, a loose-knit national coalition of advocates, victims, and families dedicated to protecting elder rights, especially within the probate court system, was formed by the Post Newspaper Group (PNG) after more than a decade of reporting on the mistreatment of elders and the plunder of their estates.

In response, PNG Publisher Paul Cobb set in motion a series of monthly town halls to address the problem and propose workable solutions, designating it a “year of action.”

At six months, the coalition has attracted families, advocates, and experts across the nation whose strategies have proven effective in their respective states, and who are moving forward collectively with the mission of engaging judicial, legislative, and enforcement agencies to ensure elders are not exploited or abused.

“The issue of elder abuse is multi-layered”, says NPRC planning committee member Venus Gist.  “Elders are our most vulnerable population, next to children, and they are easily exploited by strangers, their own family members, and the judicial system designed to protect them.”

Since January, NPRC has, via monthly virtual meetings held on the first Thursday of each month, clearly defined the issues and formulated workable solutions that can be implemented nationwide.

“There are amazing laws on the books that protect elders and their assets,” said NPRC member Zakiya Jendayi. “The problem is they are ignored, and that lack of oversight has led to systemic abuse in the Probate Court system, not just in Alameda County, but nationwide.

“The scary part is the collusion and wall of silence NPRC has encountered when reaching out to the Judicial Council, legislators, and the State Bar for assistance.  It’s so obvious that one hand is washing the other, that they’re protecting each other, that it’s difficult to initiate any type of meaningful reform much less dialogue.”

Despite the cited obstacles, NPRC has made some promising inroads towards their mission.  NPRC has identified that nationwide the Attorneys General must be engaged and encouraged to implement oversight, protection and enforcement of the law; members find support from each other as they advocate for redress via “letters of compassion” sent to judges, nursing facilities and law enforcement agencies and members are instructed on their rights, how to take constructive action to protect those rights through access to resources that allow them to intelligently represent themselves in court.

Stacy Drake, a Texas member, says, “I’ve been looking for help for over 10 years with my situation, and I finally found it within the NPRC coalition.  God answered my prayers.”

Broadening its reach within Alameda County, NPRC has invited Oakland Mayor Barbara Lee to assist with outreach, education, and resolution.

“We hope to host an elder abuse/elder protection symposium annually, if not twice a year, to let our elders know that Alameda County and the City of Oakland are a safe place, a place where in their golden years they have no worries regarding exploitation and abuse,” said Cobb. “Society is defined by how the care for its children and elders.”

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Advice

Book Review: Books for College-Bound Students

The kind of workday your Grandpa had is probably over, and you can’t count on toiling at the same place for 40 years for a pension and a gold watch. You already know that, and these books will help you decide your next step. You’ll learn what kind of worker you are, what’s stopping you from finding a job or occupation you’ll love, how to determine the purpose you envision for your future, and how to get where you need to be.

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Book covers. Photo courtesy of Terri Schlichenmeyer.
Book covers. Photo courtesy of Terri Schlichenmeyer.

By Terri Schlichenmeyer

Authors: Various, Copyright: c.2026, Publishers: Various, SRP: $21.00 – $29.00, Page Counts: Various

The videos and news reports were inspiring.

In them, a hesitant prospective college student became a happy, new college-bound student with the click of a key. They were accepted into the college of their dreams – so how can you get the same feeling next spring, when you’re the one with the highest of hopes?

You can start by reading these great books and sharing them with your family…

You probably already know that getting into the college of your choice is not something you do last-minute. In “The People’s Guide to College Applications: A Week-by-Week Approach to Writing, Connecting, and Getting in” (Prometheus Books, $ 21.95), Jill Constantino takes you through each step, but not in a frantic way. There’s no pressure here, just easy-to-grasp, makes-sense methods to apply for the college you want. There are reminders here, things you can’t forget and things you can, hints on asking for referrals and writing essays, and plenty of reminders to take a deep breath. Bonus: it’s also a book for parents, who may feel just as much pressure as their child does.

Okay, but let’s say that you’re an adult, a parent who’s sweating those college applications, classes, and the FAFSA for yourself, ugh!  Then you’ll want to read “Student Parent: The Fight for Families, the Cost of Poverty, and the Power of College” by Nicole Lynn Lewis (Beacon Press, $26.97). an urgent call meant for nontraditional students who are also Black, Latinx, gay, Moms, or Dads.

Inside this book, you’ll find stats and stories that may already sound familiar, tales of not enough money, not enough support, not enough arms or sleep or resources. If you’re looking for a book of advice, this isn’t it, though. It’s more of a resource that you’ll want to take to your guidance counselor or any local politician.

Alright, but what if you’ve decided that college can wait? Is that okay? Look for “The Mission Generation: Reclaim Your Purpose, Rewrite Success, Rebuild Our Future” by Arun Gupta and Thomas J. Fewer (Wiley, $29.00) because – guess what? – you have many options for your future.

The kind of workday your Grandpa had is probably over, and you can’t count on toiling at the same place for 40 years for a pension and a gold watch. You already know that, and this book will help you decide your next step. You’ll learn what kind of worker you are, what’s stopping you from finding a job or occupation you’ll love, how to determine the purpose you envision for your future, and how to get where you need to be. This book isn’t just for high schoolers, but for anyone ages 16 and beyond who’s feeling restless, ready for change, or who’s thinking about some kind of purposeful retirement.

And if these aren’t the college-based or not-college-bound books you need, then be sure to ask your favorite bookseller or librarian for help on ideas, how-to’s, test prep books, or study guides. They’ll have books for you, and maybe a little inspiration, too.

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Activism

‘Hire Oakland’ Job Fair Draws 2,000, Connecting Residents to Immediate Job Opportunities

Oakland’s Hire Oakland job fair, hosted by Mayor Barbara Lee’s office, connected over 2,000 job seekers with employers, highlighting a strong demand for quality jobs and career pathways in the city.

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Left to right: Yawo Tekpa, OPIC Manager, One Stop Operator; Sofia Navarro, Deputy City Administrator; and Ray Lankford, CEO of the Oakland Private Industry Council. Photo by Jonathan Fitness Jones.
Left to right: Yawo Tekpa, OPIC Manager, One Stop Operator; Sofia Navarro, Deputy City Administrator; and Ray Lankford, CEO of the Oakland Private Industry Council. Photo by Jonathan Fitness Jones.

By Post Staff

The Office of Mayor Barbara Lee, in partnership with the City of Oakland and regional employers, hosted a successful Hire Oakland job fair this week at Frank H. Ogawa Plaza, bringing together job seekers and employers for a day focused on opportunity, connection, and economic mobility.

With more than 2,000 RSVPs, the event on Wednesday reflected strong demand across Oakland for access to quality jobs and career pathways. Attendees participated in on-site recruitment, application support, and hands-on workshops designed to help job seekers navigate hiring processes and prepare for interviews.

Over the course of the day, employers and community partners engaged directly with residents in a welcoming, high-energy environment centered on opportunity and hope. Participating employers included EBMUD, Samuel Merritt University, the City of Oakland, BART, PG&E, AC Transit, East Bay Regional Parks District, Southwest Airlines, FedEx, and many others offering immediate openings and career pathways across sectors.

Workforce development partners Oakland Private Industry Council (OPIC) and Lao Family Community Development provided connections to résumé support, interview coaching, and individualized job search assistance throughout the event.

The strong turnout underscores a clear reality: Oakland residents are eager for pathways into meaningful work, and sustained investment in youth and workforce programs is essential.

That is why Mayor Lee has prioritized relaunching the Oakland Police Cadet Program and the Mayor’s Youth Employment and Education Program (MYEEP)—ensuring young people have early access to paid work experience, mentorship, and long-term career pathways, according to a City press statement.

“The turnout shows what we already know—Oaklanders are ready to work, ready to grow, and ready to build their futures here at home,” said Lee. “When we connect people directly to employers and invest in young people early, we are not just filling jobs—we are changing lives and strengthening our city’s future.”

The Hire Oakland job fair is part of the City’s broader effort to strengthen workforce pipelines, expand access to good-paying jobs, and ensure Oakland residents are first in line for local opportunity.

About Hire OaklandHire Oakland is a citywide workforce initiative led by the Office of Mayor Barbara Lee in partnership with City departments, workforce development organizations, and regional employers. The program connects Oakland job seekers to real-time hiring opportunities, training resources, and career pathways.

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