Bay Area
Free Money for Black Home Buyers
If you’re buying a house, did you know there’s a pool of $50 million waiting to help Black residents with down payments?
You’re invited to hear a mortgage specialist who will tell you how African Americans are cracking open these funds. On Saturday Sept. 14, 2019, come to the Berkeley NAACP chapter’s general membership meeting where Michael E. Rutland Jr. will explain an exciting array of down payment assistance (DPA) grants.
Rutland, a native of Richmond, CA., is a loan originator with United Security Financial Corporation. That’s a Black-owned mortgage company that has partnered with the trade group for black real estate brokers to make $50 million in assistance funds available for low and moderate-income African Americans.
Rutland will discuss a variety of ways to finance your next house at the September monthly meeting of the Berkeley NAACP. He’ll also answer your questions. This event is free and open to the public. The meeting runs from 1:00 p.m. to 3:00 p.m. and will be held at the Harriet Tubman Terrace Community Room, which is located at 2870 Adeline Street (just two blocks from the Ashby BART station) in Berkeley.
United Security Financial, which is based in Salt Lake City, Utah, sources home loans for buyers all across the United States. Meanwhile, its partner, the National Association of Real Estate Brokers (NAREB), has advocated for Black home buyers to enjoy “Democracy in Housing” for 73 years.
One of the biggest obstacles for any would-be homebuyer is coming up with the big nut of a down payment. Yet few African Americans probably know that they might qualify for free or low-priced money from one of more than 2,500 down payment-assistance programs across the country. The number of these programs increased by 10 percent between 2010 and 2016. That’s according to an analysis by the Federal Home Loan Mortgage Corporation or Freddie Mac.
Last February, United Security and NAREB announced that a federally-chartered government agency – LBC Funding, LLC – had committed $50 million to help low- and moderate income home buyers get over the proverbial hump by fronting them the all-important down payment.
Rutland, who is flying in from Utah specifically to address the Berkeley NAACP, will talk about DPA plans that his company offers.
They include programs for first-time home buyers such as the Eagle Connect Fund and Freedom Choice, and programs that don’t have a first-time buyer requirement including the Freedom Plus and Freedom Advantage options. All of these provide the buyer with between 3 percent and 3.5 percent of the house price up to certain limits.
Of course, prospects must qualify. Generally, a person needs a credit score of 620 or better. Some of the programs impose an income limit based upon the area median income (AMI).
Rutland will even discuss what his company calls a Zero Down Payment Mortgage. “[That’]s a great option for clients that have limited cash on hand,” he writes in an email. “We understand the need for affordable housing is greater than ever before.”
Black homeowners are becoming an endangered species. After World War II, federal policy and the so-called G.I. Bill subsidized millions of white military veterans to buy homes but granted only a trickle to Black vets. More recently, race-based predatory lending led to minorities being foreclosed on in disproportionate numbers after the 2008 mortgage crisis.
The Berkeley NAACP, under chapter president Mansour Id-Deen, brings housing issues to the forefront. The organization and its housing committee address disparities, injustices and solutions with city commissions as well as residents and other stakeholders.
Recently, for instance, the Berkeley NAACP partnered with activist group The Friends of Adeline to turn back an effort by the City of Berkeley to evict an elderly Black veteran and homeowner whom a court had ordered to make more than $700,000 in city code renovations.
The NAACP also was among organizations that helped pay the man’s legal and administrative fees.
Activism
City of Oakland Celebrates Reopening of Main Library
“Libraries are such critical facilities for all Oaklanders, whether it’s children coming to story-time, adults reading the newspapers or borrowing the latest novels, and people engaging with a range of services and programs that the library hosts,” said Council President and District 2 Councilmember Nikki Fortunato Bas. “Such library services and programs are only possible when the facility’s electricity, heating, roof, and lighting are fixed and running efficiently. I’m proud to join this re-opening of our Main Public Library.”
The branch had been closed since May for critical infrastructure upgrades
Special to the Post
The City of Oakland leadership and community partners gathered to celebrate the reopening of the Main Library after completion of critical infrastructure upgrades to enhance the library’s facilities and provide a better experience for patrons.
Renovations include new roof installation, skylight repair, critical electrical system upgrades, new boiler control system installation, auditorium heating and cooling system installation, and improvements to lighting, flooring and ceilings throughout the building.
“This is truly something to celebrate, the reopening of our wonderful Main Library! I congratulate the staff and our partners for this important project to make the Main Library a more comfortable place for everyone for years to come, said Oakland Mayor Sheng Thao. “Thank you to Oakland voters and the California State Library for making these crucial improvements possible.”
“Libraries are such critical facilities for all Oaklanders, whether it’s children coming to story-time, adults reading the newspapers or borrowing the latest novels, and people engaging with a range of services and programs that the library hosts,” said Council President and District 2 Councilmember Nikki Fortunato Bas. “Such library services and programs are only possible when the facility’s electricity, heating, roof, and lighting are fixed and running efficiently. I’m proud to join this re-opening of our Main Public Library.”
“Public libraries are a wonderful resource for our residents, offering a safe space for learning and being,” said District 3 Councilmember Carroll Fife. “It is critical to improve and modernize our libraries so more members of our community can utilize and enjoy them. I’m excited that the necessary renovations to the Main Library have been completed successfully and thank everyone involved, particularly the City team, who helped secured the necessary grant funds for this work.”
“I am proud of the City staff and project partners who kept this important project on schedule and under budget,” said Assistant City Administrator G. Harold Duffey. “The library is an incredibly important resource for our community members, and this project is an investment into the library’s future.”
“December 2nd was a momentous occasion for Oakland Public Library as we proudly reopened the doors of the Main Library following extensive infrastructure repairs,” said Director of Library Services Jamie Turbak. “Closing the Main Library for six months was no easy decision, as it serves as the central hub for our library system and is truly the heart of Oakland. Yet, this renovation was essential, representing more than just physical upgrades—it reflects our ongoing commitment to creating a safe, welcoming space for everyone.”
The City Administrator Jestin Johnson also attended the press conference and signalled his support for the completion of the record-setting completion of the renovations. Gay Plair Cobb, a newly appointed Library Commissioner said the Library represents the soul and brains of our community.
The Oakland Public Library secured funding for these crititcal repairs through a variety of sources. The California State Library’s Building Forward Library Facilities Improvement Program awarded the Main Branch $4.2 million. To comply with the grant terms, the City of Oakland provided matching funds through Measures KK, as approved by the Oakland City Council in October 2023.
The Main Library will host an Open House to celebrate the reopening on February 22, 2025, 10 a.m. – 5:00 p.m.
About the Oakland Public Library
The Oakland Public Library is a part of the City of Oakland in California and has been in existence since 1878. Locations include 16 neighborhood branches, a Main Library, a Second Start Adult Literacy Program, the Oakland Tool Lending Library, and the African American Museum and Library at Oakland (AAMLO). The Oakland Public Library empowers all people to explore, connect, and grow. Oaklandlibrary.org
Activism
A Student-Run Group Provides Critical Support Services to Underserved Residents
Those visiting The Suitcase Clinic can get legal advice, sign up for food assistance, receive housing resources, get medical help, or enjoy a hot, fresh meal. They can also get haircuts and foot washes from the student volunteers. Nilo Golchini, executive director of the clinic, said one of the goals for most of the students working there is helping bridge the gap of trust that exists between many unhoused people and the healthcare and social welfare systems.
Part One
By Magaly Muñoz
Every Tuesday evening, the dining hall of First Presbyterian Church fills up with dozens of people eating, laughing and moving from table to table, receiving much-needed services from UC Berkeley students – just a few blocks away from the university’s campus.
Individuals seeking support services can be found in this multi-stationed room on the south end of the church talking to law students, student case managers, or receiving medical attention in a corner by healthcare professionals.
This weekly event is hosted by Cal students through a volunteer-run program called The Suitcase Clinic.
The clinic, founded in 1989, was intended to offer free resources to underserved communities in Berkeley and surrounding cities. The majority of the clinic’s clientele are unhoused or low-income people looking for extra support.
Those visiting the clinic can get legal advice, sign up for food assistance, receive housing resources, get medical help, or enjoy a hot, fresh meal. They can also get haircuts and foot washes from the student volunteers.
Nilo Golchini, executive director of the clinic, said one of the goals for most of the students working there is helping bridge the gap of trust that exists between many unhoused people and the healthcare and social welfare systems.
During their tenure in the program, many of the students say they become strong advocates for homelessness rights.
“We’re also standing in solidarity with them. So, it’s not saying, ‘I’m going to help you, but I’m also going to stand with you,’” Golchini said.
Student volunteers get extensive training prior to working directly with clients. Those interested have to take a semester-long class to become versed in areas such as outreach, intersectionality, how to interact with unhoused people, how to sign people up for social services. and more.
Volunteers then get to pick from three different clinics: General, Women’s, or Youth and LGBTQ+.
The General Clinic is the most popular among visiting residents, while Women’s and Youth/LQBTQ+ have more specialized services for attendees.
The Women’s Clinic has many of the similar services to General, but also includes nail painting, childcare, and massages.
The Youth and LGBTQ+ Clinic offers a safe space for young people navigating living on the streets, with services that include housing referrals, wellness and recreation classes and employment resources.
Golchini explained that it’s important for them to keep these clinics separate because the different demographics experience poverty and homelessness differently than those who visit the General Clinic.
“We’re able to provide spaces where people can come in and feel safe and not feel like they’re constantly worried that something’s going to happen to them,” she said.
An outreach team also visits encampments every other Saturday in the Berkeley area to provide hygiene kits and encourage people to visit the in-person clinic, if possible.
However, Golchini said engagement has been low for some time now due to a recent decision by the U.S. Supreme Court that allows cities to ban and cite people for sleeping on the streets.
She said a lot of their clientele got displaced to other cities over time, making it difficult to stay in contact with the services the Clinic was providing for them.
But that hasn’t slowed down the students at the Clinic, if anything, it has pushed them to do more for the community they serve.
Arts and Culture
Promise Marks Performs Songs of Etta James in One-Woman Show, “A Sunday Kind of Love” at the Black Repertory Theater in Berkeley
“The (show) is a fictional story about a character named Etta, aka Lady Peaches,” said Marks. “She falls in love with Johnny Rhythm, leader of the Rhythm Players Band and headliners of Madam G’s Glitta Lounge.” Marks channeled the essence of Etta James, singing favorites such as “Sugar on the Floor” and “At Last.”
Special to the Post
It was “A Sunday Kind of Love” at the Black Repertory Group Theater in Berkeley on Saturday night, Dec. 7. The one-woman musical based on the music of Etta James featured the multi-talented singer Promise Marks
Marks, who wrote and directed the musical, also owns PM Productions.
“The (show) is a fictional story about a character named Etta, aka Lady Peaches,” said Marks. “She falls in love with Johnny Rhythm, leader of the Rhythm Players Band and headliners of Madam G’s Glitta Lounge.”
Marks channeled the essence of Etta James, singing favorites such as “Sugar on the Floor” and “At Last.”
In between her soulful songs, Marks narrated impactful moments of the love story and journey of blues and forgiveness.
Marks sultry voice carried the audience back to an era that echoed with the power of Black music and a time of great change.
Marks said James shared love for the Black community by singing at gatherings during the Civil Rights Movement uplifting the people.
“She spoke to the movement, spoke to the people, and let her music speak for itself,” Marks said.
Backing the musical’s monologues, images and videos of Etta James are projected for the audience to view. While the production is fictional, Marks infused script with the unfairness and heartbreak James experienced while performing.
Marks performed gospel artist Donnie McClurkin’s “We Fall Down” as she narrated acts of reconciliation and forgiveness among the characters at Johnny Rhythm’s deathbed.
Marks, who regularly sings for the Miss America Pageant, was asked to perform as Etta James last year. “(At the event) a lady yelled out to me: ‘You’re Etta James!’ And then the audience went crazy. I said to myself, ‘I may have something here,’” she said.
Within 12 months, Marks created the musical production, which featured a dozen songs honoring “the great legacy of Etta James,” she said.
Marks says she was saddened to see how Etta James was often judged by the struggles in her life and wanted to offer attendees a more layered view.
“Etta’s life was so big. I want people to know that she was more than her drug addiction,” said Marks. “We can’t make that her legacy. Her catalog is too amazing. You can’t just be that and have the catalog that she (created). I don’t want the addiction to be the focus: I want her music, her element, her sassiness, and what she brought to be the focus – her woman-ness, that she was strong, and I wanted to honor that.”
Set Designer Nora Burnette says she created the set segments to mirror James’ life story. A set designer for BRG since 2016, she explained that her process of researching the scenario and the character serve as her inspiration for her design.
“I try to design a set as close to real life as possible so that the actress can deliver the performance sincerely,” said Burnette. “By creating the right setting, it helps the actors release the true essence of a character.”
The set brought the story to life and absolutely floored Marks. “Once Promise (Marks) saw the actual set, she understood my vision: ‘Wow, you get me. You get it,'” Marks told the designer.
Born Jamesetta Hawkins, Etta James, began her career in 1954 and gained fame with hits such “At Last” and “I’d Rather Go Blind.” She faced a number of personal problems, before making a musical comeback in the late 1980s with the album “Seven Year Itch.”
Co-producer and BRG Development Director, Sean Vaughn Scott, works with Overseer Production. According to producer Pamela Spikes, “Marks talent truly does Etta’s life story justice.”
Pam Jacobs of Hercules, a friend of Marks’ mom, Jackie Smith, said, Marks “was fabulous and sang all of those songs flawlessly.”
“I’m so proud of my daughter,” said Smith.
Marks, who has served as an instructor for BRG, will return on Feb. 21- 23 for an encore run of the musical.
“It’s an honor to be a part of the BRG (Black Repertory Group) family and continue our executive director Dr. Mona Vaughn Scott’s vision for the Black Repertory Group theater,” said Marks.
The Black Repertory Group Theatre is located at 3201 Adeline St., Berkeley, CA 94703. For information, visit: BlackRepertoryGroup.com
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