Connect with us

Advice

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.

Published

on

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.

Sponsored content from JPMorgan Chase & Co

Activism

Essay: Intentional Self Care and Community Connections Can Improve Our Wellbeing

At the deepest and also most expansive level of reality, we are all part of the same being, our bodies made from the minerals of the earth, our spirits infused by the spiritual breath that animates the universe. Willingness to move more deeply into fear and pain is the first step toward moving into a larger consciousness. Willingness to move beyond the delusion of our separateness can show us new ways of working and living together.

Published

on

Lorraine Bonner is a retired physician. She is also a sculptor who works in clay, exploring issues of trust, trustworthiness and exploitation, as well as visions of a better world.
Lorraine Bonner is a retired physician. She is also a sculptor who works in clay, exploring issues of trust, trustworthiness and exploitation, as well as visions of a better world.

By Dr. Lorraine Bonner, Special to California Black Media Partners

I went to a medical school that was steeped in the principles of classical Western medicine. However, I also learned mindfulness meditation during that time, which opened me to the multifaceted relationship between illnesses and the interconnecting environmental, mental and emotional realities that can impact an individual’s health.

Therefore, when I began to practice medicine, I also pursued training in hypnosis, relaxation techniques, meditation, and guided imagery, to bring a mind-body focus to my work in medical care and prevention.

The people I saw in my practice had a mix of problems, including high blood pressure, diabetes, and a variety of pain issues. I taught almost everyone relaxation breathing and made some general relaxation tapes. To anyone willing, I offered guided imagery.

“My work embraced an approach to wellness I call “Liberatory Health” — one that not only addresses the treatment and management of disease symptoms but also seeks to dismantle the conditions that make people sick in the first place.”

From my perspective, illness is only the outermost manifestation of our efforts to cope, often fueled by addictions such as sugar, tobacco, or alcohol, shackled by an individualistic cult belief that we have only ourselves to blame for our suffering.

At the deepest and also most expansive level of reality, we are all part of the same being, our bodies made from the minerals of the earth, our spirits infused by the spiritual breath that animates the universe. Willingness to move more deeply into fear and pain is the first step toward moving into a larger consciousness. Willingness to move beyond the delusion of our separateness can show us new ways of working and living together.

To put these ideas into practical form, I would quote the immortal Mr. Rogers: “Find the helpers.” There are already people in every community working for liberation. Some of them are running for office, others are giving food to those who need it. Some are volunteering in schools, libraries or hospitals. Some are studying liberation movements, or are working in urban or community gardens, or learning to practice restorative and transformative justice, or creating liberation art, music, dance, theater or writing. Some are mentoring high schoolers or apprenticing young people in a trade. There are many places where compassionate humans are finding other humans and working together for a better world.

A more compassionate world is possible, one in which we will all enjoy better health. Creating it will make us healthier, too.

In community, we are strong. Recognizing denial and overcoming the fragmenting effects of spiritual disorder offer us a path to liberation and true health.

Good health and well-being are the collective rights of all people!

About the Author

Dr. Lorraine Bonner is a retired physician. She is also a sculptor who works in clay, exploring issues of trust, trustworthiness and exploitation, as well as visions of a better world.

Continue Reading

Activism

Prescribing Prevention: Doctors Turn to Lifestyle, Herbs and Veggies to Protect Against Chronic Illness in Black Californians

Published

on

Dr. Bill Releford owns Bloom Ranch in Acton, a 250-acre farm in Acton. Releford, a podiatrist based in Los Angeles started the 250-acre Bloom Ranch — he largest Black-owned ranch in Los Angeles County — in 2023. The ranch provides access to nutritional fruits and vegetables, a part of Releford’s strategy for focusing on wellness and preventive care.
Dr. Bill Releford owns Bloom Ranch in Acton, a 250-acre farm in Acton. Releford, a podiatrist based in Los Angeles started the 250-acre Bloom Ranch — he largest Black-owned ranch in Los Angeles County — in 2023. The ranch provides access to nutritional fruits and vegetables, a part of Releford’s strategy for focusing on wellness and preventive care.

By Charlene Muhammad, California Black Media

Leibo Glover received his diabetes diagnosis at the same time he found out he needed a below-the-knee amputation.

“Minor,” thought the 63-year-old.

Glover had been self-medicating a toe injury before seeing the doctor.

But while driving from South Los Angeles to Miami on a family trip, an infection set in.

“I had it but didn’t know,” said Glover. “I was just going to come back to California, but they told me if I had left, I would have come home as a corpse,” Glover told California Black Media (CBM).

A majority of the nearly 3.5 million Californians diagnosed with diabetes have preventable Type 2 diabetes, according to researchers at the UCLA Center for Health Policy Research.

In 2023, diabetes was diagnosed in 1 in 6 adults with the lowest incomes (16.7% at 0–99% of the federal poverty line), compared to 1 in 11 adults with the highest incomes (8.9% at 300% or more of the federal poverty line). Age is a factor, too: more than 1 in 5 older adults age 65 and over (22.3%) had diabetes, about twice the rate of adults age 18–64 (8.6%).

Another study by Health Economics and Evaluation Research (HEER) mapped patients with diabetes in California who had amputations. Researchers found that patients living in low-income ZIP codes were far more likely to have had lower-limb amputations than those in higher-income ZIP codes, essentially identifying amputation “hot spots.”

At the time of Glover’s 2018 diagnosis, he was experiencing housing instability and going through financial hardships. Now, he has more stable housing and he has improved his health through lifestyle changes like eating healthier and getting more sleep.

“If the equipment is right, I can stand on my leg for hours.  I can actually run, jump, dance and all of that,” said Glover, who got his diabetes under control, in part, by avoiding carbohydrates and sugars.

As chronic illnesses continue to disproportionately impact Black Californians — often leading to preventable amputations and premature deaths — a growing number of doctors and advocates are expanding their care from just treatment to including prevention. From promoting diet and lifestyle changes to cultivating community farms focused on prevention and wellness like Dr. Bill Releford’s Bloom Ranch in Acton.

Releford, a podiatrist based in Los Angeles started the 250-acre Bloom Ranch in 2023 as part of his strategy for preventive care.

“This is my assignment,” said Releford.

“Bloom Ranch has been a perfect backdrop for me to be creative and to find avant-garde ways to make fresh fruits and vegetables more accessible to food deserts in Los Angeles County,” he stated.

California produces nearly half of the nation’s fruits and vegetables, yet more than 1 in 5 Californians — about 8.8 million people — currently struggle with food insecurity, according to the California Association of Food Banks.

“Studies have shown that 75% of amputations are preventable. And African Americans have the highest amputation rate in the nation,” Releford said.

As such, Releford continued, the mortality rate associated with high-level amputation is 50%, which means “if we had 10 people that all had high level amputations, five of those would be deceased in three years.”

Monday, June 28, 2025. Leibo Glover at his home in Los Angeles, California. The security professional's leg was amputated below the knee.

Monday, June 28, 2025. Leibo Glover at his home in Los Angeles, California. The security professional’s leg was amputated below the knee.

Releford’s ranch is the largest Black-owned farm in L.A. County. He plans to partner with UCLA and the Charles R. Drew University of Medicine and Science to develop prescriptive vegetable boxes.

“Certain vegetables and herbs can lower blood pressure naturally, like beets, turnips, dill, basil, garlic and others,” said Releford.

Hopefully, this will inspire other farmers to take this model and replicate it across other urban areas,” Releford added.

“A lot of studies have shown that gardening has so many health benefits – being in the sun, Vitamin D,” said Releford. “The dirt has a lot of microbes that are good for your immune system. Studies have shown that people who work in the dirt have strong immune systems.”

Gardening can potentially decrease the risk of dementia, enhance cognition, reduce stress, and boost immunity, indicates research by Genoa Barrow of the University of Southern California Center for Health Journalism as part of the 2024 Ethnic Media Collaborative, Healing California.

During a recent picturesque day at Bloom Ranch, families, school children, farmers and members of The Ultimate Book Club 1998, founded by Alina Anderson, sampled and purchased fresh produce while taking photographs.

“This is huge. “All of us have families that could use this information,” said Anderson.

Doctors like Releford, who are committed to tackling the most chronic diseases impacting all their patients utilize peer-to-peer support programs with self-management training led by individuals living with chronic conditions to provide role models and support for patients, according to a recent study by the California Health Care Foundation.

“The unifying feature of these programs is that they seek to build on the strengths, knowledge, and experience that peers can offer,” the report states.

Liz Helms, CEO of the California Chronic Care Coalition, addressed state-backed prevention policy and initiatives.

It’s in horrible shape. It needs to get so much better, especially in underserved areas, where the Black population has a whole set of different needs,” she said.

Helms, who started advocacy after being denied access to care in the early 1990s, applauded new developments in telehealth.  The opportunity to choose between visiting a doctor’s office or placing a phone call makes a difference, especially if there are transportation or distance issues, or if one is too sick, she said.

Fear is one thing people, especially in the Black community, must overcome, emphasized Helms.

“I had to get over my fear of going to the doctor, of not speaking up,” continued Helms, urging patients to “understand the baseline” of their health.

“Don’t let anyone stigmatize you or tell you that you’re not good enough to get care or look down on you. Everyone has a right to good, quality, affordable, timely health care,” said Helms.

To engage Bloom Ranch for preventive care focused on wellbeing and healthy living, call (323) 388-4828 or sign up at  Bloomranchofacton.com

Continue Reading

Activism

Learning Life’s Lessons

Since his release over five years ago, Richard has committed himself to making a difference, particularly by reaching out to women and families who lack the presence of a father or husband.  He knows he cannot undo the years lost behind prison walls, but he is determined to use his past to build a better future for others. His story mirrors that of many who have walked a similar path. Yet, it remains uniquely his own – a testament to the power of change, resilience, and the belief that even from tragedy, something good can emerge.

Published

on

Richard Johnson and son Fati. Courtesy photo.
Richard Johnson and son Fati. Courtesy photo.

“California’s three-strike laws gave me 2 life sentences for drug possession. After serving 28 years, mostly in solitary confinement, I am free to lead a movement to get the formerly incarcerated to give back.”

 By Richard Johnson

I have written this book in hopes of being able to help others from not traveling down the path that leads to imprisonment or a cemetery.  At the very beginning of writing this book, it began as a message to my son Fati Yero Gaidi, who was only two years old at the time that I was given two life sentences in prison for drug possession, under the newly implemented three-strikes-you-out law. The more that I wrote, the book began to evolve beyond its intended purpose for my son; it became something that any and everyone could utilize on their separate journeys through life challenges that we encounter. The book helped me put my thoughts, reasoning, perceptions, and views on display, while opening doors that, for the most part, were closed. The book can be purchased via Amazon. Learning life lessons.

About the Author

By Post staff

Richard “Razor” Johnson, 74, is a man whose life journey is marked by hard-earned wisdom, redemption, and an unshakable commitment to guiding the next generation. Once sentenced to life under California’s Three Strikes Law, he was released through what he calls nothing short of divine intervention.  His time behind bars, particularly in Pelican Bay State Prison, gave him a new raw and unfiltered understanding of life’s hardest truths.

With the realization that time is precious and the future is shaped by the lessons we learn, Richard writes with urgency and purpose. His book—a 300-page labor of love—is dedicated to young men who may not have a father to teach them the meaning of life’s most important words. Through definitions filled with wisdom, experience, and deep personal insight, he offers direction to those who find themselves lost, just as he once was.

Since his release over five years ago, Richard has committed himself to making a difference, particularly by reaching out to women and families who lack the presence of a father or husband.  He knows he cannot undo the years lost behind prison walls, but he is determined to use his past to build a better future for others. His story mirrors that of many who have walked a similar path. Yet, it remains uniquely his own – a testament to the power of change, resilience, and the belief that even from tragedy, something good can emerge.

His words are not just lessons; they are a call to action.  He hopes that by investing in young minds with wisdom and insight, they will be better equipped to navigate life’s trials, learn from their mistakes, and find their path to success. Richard “Razor” Johnson writes not just to be heard, but to help – because he knows firsthand that sometimes guidance can make all the difference.

Post publishers Paul and Gay Cobb visited Johnson in San Quentin and attended his graduation while he was in prison. He became a columnist with the Post News Group and has continued his advocacy for the formerly incarcerated by urging them to “give something back”. Johnson says he will be speaking at prisons, colleges, and media outlets to help organize voter registration and community service projects.

Continue Reading

Subscribe to receive news and updates from the Oakland Post

* indicates required

CHECK OUT THE LATEST ISSUE OF THE OAKLAND POST

ADVERTISEMENT

WORK FROM HOME

Home-based business with potential monthly income of $10K+ per month. A proven training system and website provided to maximize business effectiveness. Perfect job to earn side and primary income. Contact Lynne for more details: Lynne4npusa@gmail.com 800-334-0540

Facebook

Trending

Copyright ©2021 Post News Group, Inc. All Rights Reserved.