VCCDC Community Matters Newsletter — October 2021 —

October 2021

Meet Will Jones and his son. Will was born in Detroit and moved to California when he was 16 years old with little to his name. As an adult, he worked hard for the things he wanted but living in California quickly made him realize that owning a home would be very expensive. He made a promise to his son that one day, they would afford a home to call their own. As a single father working long hours over multiple jobs, saving was almost impossible. Their living situation was less than ideal, staying on friend’s couches. Then, he met his Realtor, Cynthia. She took Will under her wing and guided him through the homebuying process, connecting him with Alex at VCCDC. VCCDC helped Will access as much financial assistance as possible for Will’s down payment and closing costs, removing a lot of the burden he felt to come up with such a large sum of money.

“Having an affordable home for my children and I has been the biggest blessing I could ever have received. VCCDC made it possible for me to make owning a home a reality.”

Do you know someone who is dreaming of homeownership for their family? Don’t let them pass up this opportunity!

This season, we’ve been sharing our top tips to become homebuyer ready! To check them out, follow us on social media and hit the button below to watch the videos on our YouTube page.

We are grateful for our generous partners who are committed to investing in the communities we serve. Thanks to their support we can ensure that VCCDC continues assisting local individuals and families to find a place to call home.

This month, Bank of the Sierra has generously contributed $15,000 towards providing financial education, homeownership assistance, down payment assistance, and lending counseling. This is in addition to their $10,000 Title Sponsorship of our Celebration event.

We are so proud to be marking our 20th year of transforming lives through homeownership. Many people and organizations have worked tirelessly over the years to build the VCCDC we know today.

As part of our 20th Anniversary Celebrations, our incredible staff team here at VCCDC has put together a video to recognize the ways we’ve impacted people in our community over the years.

Veronica Galicia, VCCDC’s Program Development Coordinator, joined our staff team in May and we wanted to get to know her a little!

1. What do you do here at VCCDC?

Hi! I am the Program Development Coordinator of the Rent Relief Program Assistance, which helps households that have been affected by COVID-19 directly or indirectly and are behind their rent and/or utilities. Basically, what I do in this position is help people with inquiries regarding the program like overview questions, application process, eligibility requirements and submitting applications.

2. What is your favorite part about working for VCCDC?

Knowing that our team can make positive impact in our community.

3. What is your favorite local place to eat?

I don’t have any local favorite restaurant; I prefer to cook and eat at home.

4. What do you like to do in your spare time?

On the side of VCCDC I’m a yoga, mindfulness, and meditation instructor.

Thanks for all your hard work, Veronica! We’re excited to have you on the team. For more information about the Rent Relief Program, click the button below.

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You’re ready to embark on a new home project and need to hire a contractor to complete the job. But where do you begin the search? What do you ask? Learn what you should do before hiring a contractor, issues that can arise when using non-licensed labor, scams to watch for, how to file a complaint and more! With guest speaker from the CA Contractors State License Board.

¿Tienes un testamento o un fideicomiso? Si la respuesta es no, estás dejando a tus seres queridos y tus bienes en riesgo si algo te sucediera. ¡Infórmate sobre cómo puedes prepararte y protegerte a ti mismo y a tus seres queridos! Con la abogada invitada, Rennee R. Dehesa.

Do you have a will or a trust? If the answer is no, you are leaving your loved ones and your assets at risk if something were to happen to you. Regardless of your age or your income, estate planning is an important part of planning for the future for anyone! Join us to learn how you can prepare and protect yourself and your loved ones! With guest speaker, Rennee Dehesa, Attorney.

Don’t you wish there was one place where you could get all the homebuying information you need before taking that first step towards the BIGGEST purchase of your life?! Good news – VCCDC is that one-stop-shop where you can get all the homebuying basics directly from experts in the industry!

Our Mission:

“To strengthen and sustain vibrant communities by empowering and enabling low-to-moderate income individuals and families to build wealth through education and homeownership with a primary focus on serving low-to-moderate income clients”.

All loans subject to approval. Certain conditions & fees apply. This is not an offer to extend credit to any individual who may be entitled to a more complete disclosure per RESPA, TILA, HOEPA or any other more applicable federal, state, or local law or regulation. Rates, terms, fees, products, programs and equity requirements are subject to change without notice. For qualified borrowers only. Down payment assistance available for eligible first time homebuyers, not all applicants will qualify for all sources of down payment. This is not intended as a solicitation if you are currently working with another brokerage. VCCDC is a mortgage broker licensed with the California Dept. of Real Estate #01521885; NMLS #347041