• Skip to primary navigation
  • Skip to main content
  • Skip to footer

CCARToday - Contra Costa Association of REALTORS

Moves You Forward.

  • JOIN
  • WEEKLY JOLT ARCHIVE
  • CALENDAR
  • CCAR LOGIN
  • MLS LOGIN
  • MLS LOGIN
  • CCAR LOGIN
  • SEARCH
  • CALENDAR
  • RESOURCES
    & SERVICES
    • BROKER RESOURCES
    • FORMS
    • JOIN CCAR
    • MEMBERSHIP BENEFITS
      • CCAR Benefits
      • NAR Benefits
      • C.A.R. Benefits
    • AFFILIATE BENEFITS
    • CCAR VALUE
    • LEADERSHIP DEVELOPMENT
    • NEW MEMBERS
    • TECHNICAL SUPPORT | SALES
  • MLS RESOURCES
    & INFORMATION
    • MLS Rules & Regulations
      • MLS Rules/Regs – Redline Version
      • MLS Rules/Regs – Clean Version
    • NORCAL MLS ALLIANCE
      • BROKER TOUR INFORMATION
    • PARAGON 5 SUPPORT
    • MLS Data Feeds
      • IDX CENTER
    • SUPRA KEY CENTER
    • MLS PRODUCT PLATFORM
    • MARKETING TOOLS
    • MOBILE APPS
      • MOBILE SECURITY | SUPPORT
      • MOBILE OFFICE MANAGEMENT
    • SYNDICATION TOOLS
    • TRANSACTIONAL TOOLS
      • CCAR – RESO Platinum Certified MLS
    • ADDITIONAL RESOURCES
  • EDUCATION
     
    • Advance Your Career
    • Designations/ Certifications
    • EDUCATION HIGHLIGHTS
    • Ethics Training
    • Fair Housing
      • The CE Shop
      • C.A.R. Training Bundle
      • NAR Fairhaven
    • License Renewal
    • On-Demand Training
    • Professional Development
    • BROKER COMPENSATION COMPLIANCE
    • Sexual Harassment Training
    • RPR
    • CCAR Courses
    • C.A.R. Courses
    • NAR Courses
  • COMMUNITY
    SERVICE
    • CHARITABLE EVENTS
    • HELPING HANDS
      • Apply For Assistance
      • Make a Donation
    • Emergency Assistance Programs
      • C.A.R. Disaster Relief Fund
      • REALTORS® Relief Foundation
    • SCHOLARSHIP FOUNDATION
  • GOVERNMENT
    AFFAIRS
    • CITY SIGN ORDINANCES
    • CITY WEBSITES
    • CONTRA COSTA COUNTY INFORMATION
    • DISCLAIMER & DISCLOSURE ADVISORIES
    • DEFENSIBLE SPACE LAWS
    • RAF: REALTOR ACTION FUND
      • RAF Metrics
  • PROFESSIONAL
    STANDARDS
    • C.A.R. LEGAL HOTLINE
    • CODE OF ETHICS DEMYSTIFIED
  • ABOUT
     
    • 2027 CCAR BOD Application
    • AWARDS
      • Award Nomination Forms
      • HONORARY & EMERITUS STATUS
    • BOARD OF DIRECTORS
    • Bylaws
    • STRATEGIC PLAN
    • MMG ACTION PLAN
    • COMMITTEES
    • Marketing Meetings
    • OUR NETWORK
    • Find a REALTOR®
    • FIND AN AFFILIATE
    • FIND A HOME
    • Policies
      • Accessibility
      • Privacy & Terms of Use
      • DMCA
    • CONTACT
    • Annual Report

Weekly Jolt – 042826

by

CONTRA COSTA ASSOCIATION OF REALTORS®
WEEKLY NEWSLETTER    |    APRIL 28, 2026
Facebook Instagram Youtube
Top News

•  Get to Know Candidates Running for 2027 BOD
•  Cinco de Mayo Affiliate Faire Next Wed – May 6
•  Nominate by Petition for the 2027 CCAR BOD
•  Local Government & Community Leadership Series
•  C.A.R. AI Now: Stay Ahead of What’s Next – May 12
•  Upcoming Women’s Council of REALTORS® Events

MLS Updates

•  Realtor.com+ Member Benefit Now Available
•  Security Alert: DRE Warns of Scammers Impersonating
   Real Estate Agents

•  REALTOR® Optimized Laptops For Sale


All laptops purchased from CCAR come with a 2-year warranty, data transfer, and RE setup included.
  • Lenovo IdeaPad Slim 3 – $850.36 >>
  • LG Gram 17 – Ai Ready – $1,845.36  >>

    Online Continuing Education

Upcoming Education

Save the Date: Wed, May 20  |  1:00pm
High Risk High Confidence – NHD Essentials for REALTORS®

Wed, Apr. 29  |  9:00am – 1:00pm
Intro to Commercial Real Estate Leasing

Wed, Apr. 29  |  1:00pm – 2:00pm
Intro to YouTube for Real Estate

Thu, Apr. 30  |  9:00am – 10:00am
RPR’s Dynamic Client Reports: Fast, Smart, Customizable

Thu, Apr. 30  |  11:00am – 12:00pm
RPR + Brevitas: Commercial Partnership for Increased Productivity

Fri, May 1  |  7:00am – 7:35am
Transact: Create a Transaction

Fri, May 1  |  9:30am – 12:30pm
DRE License Renewal Crash Course (Virtual)

Mon, May 4  |  7:00am – 7:35am
Transact: Navigation

Mon, May 4  |  10:00am – 11:00am
New Construction: BuildersUpdate

Mon, May 4  |  2:00pm – 4:00pm
MLS: Intro to Listing Input with CCAR

Tue, May 5  |  10:00am – 1:00pm
All About Disclosures – Close Deals & Stay Out of Court

Tue, May 5  |  10:00am – 11:00am
Realtor.com – Dashboard Essentials

Tue, May 5  |  2:00pm – 3:00pm
1031 Exchange Basics

Wed, May 6  |  10:00am – 11:00am
RealReports: Q2 Product Update

Wed, May 6  |  2:00pm – 4:30pm
Local Government & Community: Partnering for Success (Session1)

Thu, May 7  |  10:00am – 2:00pm
Negotiation Basics for REALTORS®

Thu, May 7  |  10:00am – 11:00am
RealScout Basic Training

Fri, May 8  |   11:00am – 12:30pm
C.A.R. Industry Townhall for Brokers/Managers

REALTOR® ACTION FUND (RAF)

The RAF supports political activities at the local, state, and national levels. It gives REALTORS® the financial resources needed to advocate for policies which protect property rights and REALTORS®​ ability to effectively conduct their business.

 






Contribute Today >>

+ EDUCATION HIGHLIGHTS
+ CCAR CALENDAR

Earn a Professional Certificate in Local Civic Leadership – 6 Week Series

Strengthen your civic leadership and deepen your understanding of local government. C.A.R.’s Center for California Real Estate, in partnership with Pepperdine University’s Davenport Institute for Public Engagement and Civic Leadership, is offering an exclusive six-week virtual educational series for members. This complimentary program explores local government fundamentals, funding, community engagement, current issues, and meaningful ways to get involved with the opportunity to earn a professional certificate.

Reserve your spot and expand your role as a trusted community leader. You must attend all 6 virtual sessions to qualify for the certificate. (May 6, 13, 20, 27, June 3, and 10).
Register >>
FAQs >>

C.A.R.: Stop Talking About AI. Start Using It. – May 12

In just 2 weeks, C.A.R.’s brand-new event, AI NOW: Stay Ahead of What’s Next, comes to the UCLA campus in Los Angeles on Tuesday, May 12 — and seats are going fast!

This isn’t just another “AI is important” conversation. This is where you learn how to actually use it. At this hands-on experience, expert speakers will show you how to streamline your business, create high-impact marketing, supercharge lead gen and conversion methods and so much more. Don’t miss your chance to be in the room for this!
Register >>

Get to Know the Candidates Running for the
2027 CCAR Board of Directors!

The CCAR Board of Directors election is right around the corner. This is your opportunity to meet the candidates, learn more about their vision for CCAR, and take part in shaping the future of our organization.

This year’s election will determine CCAR’s 2027 President-Elect and Treasurer, fill four Director-at-Large positions, and include a vote on the proposed amendment to Article X, Section 7(a) of the Bylaws. To ensure the election is valid, at least 15% of CCAR’s total REALTOR® membership, based on the May 15 record date, must participate.

Take a few minutes to review the candidate statements, get to know the members stepping up to serve, and cast your vote when the election opens on June 15.

President- Elect (1 Position)                        Candidate Speeches:
 • Leslie Manzone                                           May 7: West County Marketing Meeting                                                                                         May 12: Rossmoor Marketing Meeting        
Treasurer (1 Position)                                   May 21: RMA Marketing Meeting                      
 • Michele Manzone                                       May 26: CCRIM Marketing Meeting                                                                                                                        
Director-at-Large (4 Positions)                    June 3: Virtual Meet the Candidates Forum    
 • Judy Myers                                                    June 15: Voting begins at 9am*                             • Matt Rubenstein                                          June 22: Voting ends at 9am                     
 • Cherry Wade                                                        
 • Gilda Whitehead                                         
                                                                            
Review Candidate Statements >>
*Unique voting links will be emailed from “ElectionBuddy”.

Cinco de Mayo Affiliate Faire Next Wed – May 6

CCAR REALTOR® Members: meet Affiliates, explore their booths, and discover new products and services that can help support your business. With raffle prizes, cold beer, wine, and festive bites, it’s the perfect midweek excuse to get out, enjoy the celebration, and support two great causes: the CCAR Scholarship Foundation and CCAR Helping Hands.

CCAR Affiliates: The Cinco de Mayo Affiliate Faire is the perfect way to put your business in front of CCAR REALTORS® in an atmosphere that feels more like a fiesta than a traditional expo. It’s a chance to show off what you do and be part of an event that mixes networking, community, and a little Cinco de Mayo fun!

FREE REALTOR® TICKETS >>

Read More >>

Nominate by Petition for the 2027 CCAR Board of Directors

As part of the nation’s largest trade association, CCAR has a proud legacy built by members who step up to lead, serve, and inspire. Now, it’s your chance to be part of that legacy.

Voting for the 2027 CCAR Board of Directors begins June 15, 2026, and we want YOU to help shape the future of our Association.

There’s still time to get on the ballot. Under CCAR Bylaws, Article X, Section 7(b), additional candidates may be nominated by petition signed by at least 50 eligible CCAR REALTOR® members.

Petitions must be submitted by 5 pm on May 5, 2026. To request a Nomination by Petition form, contact [email protected].

Read More >>

Upcoming Women’s Council of REALTORS® Events:

Mon, May 4  |  11am – 1pm               Wed, May 13  |  5pm – 8pm
More Info >> 
   
                                    More Info >>  

Security Alert: DRE Warns of Scammers Impersonating Real Estate Agents

The California Department of Real Estate is warning consumers and licensees about scammers using the names, license numbers, photos, and other information of legitimate real estate professionals to create fake social media accounts, websites, email addresses, and online listings. These impersonators may attempt to conduct illegal real estate activity, including home buying or property management scams. DRE encourages consumers to verify an agent’s license and contact information through official sources, and reminds everyone that requests for advance fees, cash payments, or wire transfers can be warning signs of fraud.
Read More >>

Realtor.com+™ is now available to CCAR members

Realtor.com+™ is now available as a free member benefit with the Starter plan! This new platform gives CCAR members a simpler, more connected way to work with clients by bringing home search, listings, messaging, tours, and collaboration together in one shared space.

Designed specifically for agent-client collaboration, Realtor.com+ helps you stay at the center of the client experience with:

  • A shared, branded workspace for you and your clients
  • MLS-powered listing data and advanced search tools
  • Real-time insight into client activity and preferences
  • In-platform messaging to reduce missed communication
  • Tour management and collaboration tools to keep everyone aligned

With Realtor.com+, you can spend less time juggling tools and chasing updates — and more time guiding your clients from search to close.

VIEW THE REALTOR.COM+ Q&A >>

CCAR ANNUAL SPONSORS

LeadHax logo/link

2026 CCAR Election Headquarters

by

ELECTION HEADQUARTERS

FOR THE 2027 BOARD OF DIRECTORS

OFFICIAL NOTICES

April 29, 2026

We’re excited to invite all voting-eligible CCAR members to our upcoming Meet the Candidates Forum on Wednesday, June 3, from 1:00 to 2:15pm, live on Zoom.

This virtual event is your opportunity to hear directly from the candidates running for the 2027 CCAR Board of Directors, ask questions, and learn more about their goals for the organization.

We look forward to a great conversation and hope to see you there!

Register >>

April 28, 2026

In accordance with Article XI of the Corporation Bylaws, this will serve as notice that the election for the 2027 Board of Directors shall be held beginning on June 15, 2026 at 9:00am and ending June 22, 2026 at 9:00am.

This year, members will vote to fill the following positions and consider the proposed amendment to Article X, Section 7(a):

  • One President-Elect
  • One Treasurer
  • Four Directors-At-Large

In order for this election to be valid, the number of votes cast must equal or exceed the quorum requirement of 15% of the total CCAR REALTOR® Membership, as determined by the record date established on May 15, 2026, by the end of the election cycle at 9:00am on June 22, 2026.

PROPOSED BYLAW AMENDMENT

ARTICLE X – OFFICERS AND DIRECTORS
Section 7. Election of Officers and Directors

(a) Nomination by the Election Committee. Annually the President shall appoint an Election Committee consisting of at least nine (9) REALTOR® members, and, whenever possible, include including one from each of the districts; and the Past President, who shall serve as Chairman of the Election Committee. The annual election of Officers and Directors shall be conducted by the Election Committee in accordance with procedures established by the Board of Directors.

CANDIDATE STATEMENTS

The following statements are published as submitted and have not been edited by the Association.
Each candidate statement is limited to 200 words.

PRESIDENT-ELECT

(1 Open Position)

LESLIE MANZONE

Thank you for your consideration. I would be honored to serve as President-Elect in 2027 and contribute to the continued growth of our Association, particularly by expanding membership and mentoring directors to become strong, effective leaders within both our organization and the broader real estate industry.

With over 33 years of volunteer service, I bring extensive experience at the local, state, and national levels, including my role as Past President of WCCAR and years of service with CCAR, CAR, and NAR. Throughout my career, I have served in nearly every capacity at the local association level, participated in numerous task forces, housing initiatives, and advocacy efforts, and remained deeply committed to advancing our profession.

I am a dedicated political advocate and have consistently supported RAF, RPAC, HAF, and other organizations that strengthen our communities, support our members, and protect consumers. I am especially passionate about preserving private property rights and ensuring access to homeownership. I am proud to be an RPAC Major Donor and Hall of Fame member.

Due to space limitations, I have included a summary of my service across CCAR, CAR, and NAR: here.

It would be a privilege to continue giving back to this industry.

Leslie Manzone

TREASURER

(1 Open Position)

MICHELE MANZONE

I am seeking the position of Treasurer for the Contra Costa Association of Realtors. Over the past two years, I have been actively involved as a subject matter expert on budget and finance, contributing to the financial oversight and strategic direction of the association.

My leadership experience includes serving as a two-time Past President, as well as Treasurer for two terms. These roles have given me a deep understanding of our organization’s financial responsibilities and the importance of sound fiscal management.

I believe our association is at a critical moment, and I am ready to step up once again to serve the best interests of our membership. My goal is to help guide the association forward with transparency, accountability, and a strong financial foundation—both at the local and state levels.

Currently, I serve as a California Realtors Director, Vice Chair of the IMPAC Trustees, and I am honored to represent our industry nationally as a member of the NAR Federal Taxation Committee. I am also a proud Major Donor to the REALTOR® Political Action Fund, having exceeded the $25,000 commitment.

As a full-time Realtor, I am deeply committed to our profession and passionate about giving back to the industry.

DIRECTOR-AT-LARGE

(4 Open Positions)

JUDY MYERS

Advocacy at the local, state and national level has fired my passion for participation at all levels since I joined my first committee in 1976. I grew up in rental housing until my family purchased a home in Concord in 1971. When I started a career in real estate in 1973, I began to learn about the intricacies of the opportunity I wanted to share with anyone who wanted to enter the path of homeownership. The obstacles have charged with more regulation, disclosure, litigation and much more paperwork. And homeownership has become much less affordable. Individually we can do little but working through our associations we have a strong voice for our industry and our clients. In my previous years of service to CCAR as a committee member, chair, Director, Vice President, President-Elect, President and most recently as Treasurer my focus has been on member value and accountability. With your help I can continue that role and work with new Directors to provide the continuity required to keep our local organization strong and member focused.

Please vote in the upcoming election and please include me as one of your choices for Director-at-Large.

matt_rubenstein

MATT RUBENSTEIN

Since becoming licensed in 2010, I’ve been engaged in our local real estate community – participating in CCRIM and RMA and regularly attending industry events to stay current and connected. I served as Director on the CCAR Board of Directors in 2023, 2024 and 2025, have been an active member of the MLS & Technology Committee continuously since 2017, and have served on the Local Government Relations Committee since 2024.

I’m passionate about harnessing new and emerging technologies and unlocking the full potential of our MLS data to deliver measurable value for members and clients. My experience as a high-producing, community-focused agent over the past 15+ years has allowed me to build hundreds of strong, positive relationships across our local markets – relationships I will leverage to foster collaboration, innovation, and practical solutions.

I am asking for your support to serve again as Director at Large. If elected, I will continue to dedicate my time, experience and energy to advancing smart technology adoption, strengthening MLS utility, and advocating effectively with local government on issues important to our members. I’m committed to giving back to the industry that has given me so much and to helping our association and members thrive.

CHERRY WADE

I am honored to be seeking a second term as a CCAR Director-at-Large. Serving our association has been incredibly meaningful, and I am grateful for the opportunity to continue giving back to a community that has supported my growth.

My decision to run again stems from a genuine desire to stay engaged and to strengthen the connection between our members and our leadership. I believe strong organizations are built on collaboration, thoughtful communication, and a shared commitment to one another.

Through my involvement with CCAR, especially with the Young Professionals Network (YPN), I have worked to encourage participation, support emerging leaders, and help create a more connected and collaborative community.

I lead with intention, communicate thoughtfully, and approach challenges with a collaborative mindset. I believe in elevating others, building meaningful relationships, and contributing in ways that create a positive and lasting impact.

It would be an honor to continue serving and building on this momentum in support of our members and our profession.

GILDA WHITEHEAD

It has been a true privilege to serve on the YPN Committee over the past four years. I joined with the goal of giving back to the real estate community that has given so much to me and I found exactly that. This experience has allowed me to build meaningful relationships and deepen my commitment to serving our community.

A highlight of my involvement has been our partnership with Moving Forward, supporting under served youth in West Contra Costa County. Attending scholarship and backpack distributions has been both humbling and inspiring. Seeing students pursue higher education—and their desire to give back continues to motivate my own service. I have also grown professionally, first as a mentee, and now as a CAR Director for the past two years. These roles have expanded my knowledge and strengthened the value I bring to my colleagues and clients.

I believe real estate is a calling rooted in service, integrity, and education. It would be an honor to continue serving as a CCAR Board member.

District 5 Reyes – Apr 26

by

A MESSAGE FROM VICTOR REYES  |  CCAR DIRECTOR, DISTRICT 5 LIAISON  |  510. 260.4384  |  [email protected]   |   APRIL 2026

Dear Friends & Colleagues,

California’s housing affordability crisis continues to challenge buyers with high home prices, limited inventory, and rising costs keeping ownership out  of reach for many.

Recent reports show that thousands of approved affordable units remain stalled due to funding gaps, even as demand grows. Meanwhile, home prices are expected to stay near record highs, statewide, despite slight improvements in affordability.

While no single solution exists, a growing mix of state, local, and community programs is helping close the gap.

In this issue, we highlight key resources—from C.A.R.’s Housing Affordability Fund and Fair Housing initiatives to local down payment assistance programs—that can help your clients move closer to homeownership.

Warm Regards,

Victor

6 Ways to Expand Access to Homeownership

CalHFA Dream For All Shared Appreciation Loan +

One of the largest assistance programs   in California.

Best for: First-generation, first-time buyers who lack a large down payment.

Provides up to 20% of purchase price (max ~$150K) for down payment.

Structured as a shared appreciation loan (repay + % of appreciation at sale/refi).

|  LEARN MORE >

CalHFA My Home Assistance Program +

Best for: First-time buyers needing help with upfront cash.

Provides ~3-3.5% of purchase price for down payment/closing costs.

Structured as a deferred-payment second loan (no monthly payments).

Repaid only when the home is sold, refinanced, or paid off.

|  LEARN MORE >

Black Wealth Builders (BWB) Fund +

Best for: Black first-time buyers facing down payment barriers.

Provides zero-interest loans (typically ~$15K–$20K) for down payment, closing costs, or related expenses. 

No monthly payments; repayment deferred until sale or refinance.

 

|  LEARN MORE >

GSFA Down Payment Assistance Programs +

Best for: Broader pool of low-to-moderate income buyers (not just first-timers).

Offers up to ~5-5.5% of loan amount for down payment/closing costs.

Structured as a second mortgage (often repayable over time).

Works across many loan types (FHA, VA, USDA) and conventional loans.

|  LEARN MORE >

Pathway to Home Closing Cost Assistance +

Best for: First-time buyers from underserved communities needing closing cost support.

Provides up to $10,000 in grants (no payback required) for closing costs.

Must include at least one buyer from an underserved community (people of color, persons with disabilities, or LGBTQ+).

|  LEARN MORE >

Contra Costa Down Payment Assistance Program +

Best for: First-time buyers in Contra Costa County needing grant support.

Provides up to $10,000 in grants (no repayment required) for down payment or closing costs.

Funded by a $1 million investment from U.S. Bank, supporting ~100 families.

Targets low- to moderate-income households facing high entry costs.

|  LEARN MORE >

Find A Trusted CCAR Affiliate Lender

CCAR ANNUAL SPONSORS

LeadHax logo/link

District 4 Wilson – Apr 26

by

A MESSAGE FROM ROLANDA WILSON  |  CCAR DIRECTOR, DISTRICT 4 LIAISON  |  510. 244.0085  |  [email protected]   |   APRIL 2026

Dear Friends & Colleagues,

California’s housing affordability crisis continues to challenge buyers with high home prices, limited inventory, and rising costs keeping ownership out  of reach for many.

Recent reports show that thousands of approved affordable units remain stalled due to funding gaps, even as demand grows. Meanwhile, home prices are expected to stay near record highs, statewide, despite slight improvements in affordability.

While no single solution exists, a growing mix of state, local, and community programs is helping close the gap.

In this issue, we highlight key resources—from C.A.R.’s Housing Affordability Fund and Fair Housing initiatives to local down payment assistance programs—that can help your clients move closer to homeownership.

Warm Regards,

Rolanda

6 Ways to Expand Access to Homeownership

CalHFA Dream For All Shared Appreciation Loan +

One of the largest assistance programs   in California.

Best for: First-generation, first-time buyers who lack a large down payment.

Provides up to 20% of purchase price (max ~$150K) for down payment.

Structured as a shared appreciation loan (repay + % of appreciation at sale/refi).

|  LEARN MORE >

CalHFA My Home Assistance Program +

Best for: First-time buyers needing help with upfront cash.

Provides ~3-3.5% of purchase price for down payment/closing costs.

Structured as a deferred-payment second loan (no monthly payments).

Repaid only when the home is sold, refinanced, or paid off.

|  LEARN MORE >

Black Wealth Builders (BWB) Fund +

Best for: Black first-time buyers facing down payment barriers.

Provides zero-interest loans (typically ~$15K–$20K) for down payment, closing costs, or related expenses. 

No monthly payments; repayment deferred until sale or refinance.

 

|  LEARN MORE >

GSFA Down Payment Assistance Programs +

Best for: Broader pool of low-to-moderate income buyers (not just first-timers).

Offers up to ~5-5.5% of loan amount for down payment/closing costs.

Structured as a second mortgage (often repayable over time).

Works across many loan types (FHA, VA, USDA) and conventional loans.

|  LEARN MORE >

Pathway to Home Closing Cost Assistance +

Best for: First-time buyers from underserved communities needing closing cost support.

Provides up to $10,000 in grants (no payback required) for closing costs.

Must include at least one buyer from an underserved community (people of color, persons with disabilities, or LGBTQ+).

|  LEARN MORE >

Contra Costa Down Payment Assistance Program +

Best for: First-time buyers in Contra Costa County needing grant support.

Provides up to $10,000 in grants (no repayment required) for down payment or closing costs.

Funded by a $1 million investment from U.S. Bank, supporting ~100 families.

Targets low- to moderate-income households facing high entry costs.

|  LEARN MORE >

Find A Trusted CCAR Affiliate Lender

CCAR ANNUAL SPONSORS

LeadHax logo/link

District 4 Stokley – Apr 26

by

A MESSAGE FROM JOE STOKLEY  |  CCAR DIRECTOR, DISTRICT 4 LIAISON  |  925. 878.1415  |  [email protected]   |   APRIL 2026

Dear Friends & Colleagues,

California’s housing affordability crisis continues to challenge buyers with high home prices, limited inventory, and rising costs keeping ownership out  of reach for many.

Recent reports show that thousands of approved affordable units remain stalled due to funding gaps, even as demand grows. Meanwhile, home prices are expected to stay near record highs, statewide, despite slight improvements in affordability.

While no single solution exists, a growing mix of state, local, and community programs is helping close the gap.

In this issue, we highlight key resources—from C.A.R.’s Housing Affordability Fund and Fair Housing initiatives to local down payment assistance programs—that can help your clients move closer to homeownership.

Warm Regards,

Joe

6 Ways to Expand Access to Homeownership

CalHFA Dream For All Shared Appreciation Loan +

One of the largest assistance programs   in California.

Best for: First-generation, first-time buyers who lack a large down payment.

Provides up to 20% of purchase price (max ~$150K) for down payment.

Structured as a shared appreciation loan (repay + % of appreciation at sale/refi).

|  LEARN MORE >

CalHFA My Home Assistance Program +

Best for: First-time buyers needing help with upfront cash.

Provides ~3-3.5% of purchase price for down payment/closing costs.

Structured as a deferred-payment second loan (no monthly payments).

Repaid only when the home is sold, refinanced, or paid off.

|  LEARN MORE >

Black Wealth Builders (BWB) Fund +

Best for: Black first-time buyers facing down payment barriers.

Provides zero-interest loans (typically ~$15K–$20K) for down payment, closing costs, or related expenses. 

No monthly payments; repayment deferred until sale or refinance.

 

|  LEARN MORE >

GSFA Down Payment Assistance Programs +

Best for: Broader pool of low-to-moderate income buyers (not just first-timers).

Offers up to ~5-5.5% of loan amount for down payment/closing costs.

Structured as a second mortgage (often repayable over time).

Works across many loan types (FHA, VA, USDA) and conventional loans.

|  LEARN MORE >

Pathway to Home Closing Cost Assistance +

Best for: First-time buyers from underserved communities needing closing cost support.

Provides up to $10,000 in grants (no payback required) for closing costs.

Must include at least one buyer from an underserved community (people of color, persons with disabilities, or LGBTQ+).

|  LEARN MORE >

Contra Costa Down Payment Assistance Program +

Best for: First-time buyers in Contra Costa County needing grant support.

Provides up to $10,000 in grants (no repayment required) for down payment or closing costs.

Funded by a $1 million investment from U.S. Bank, supporting ~100 families.

Targets low- to moderate-income households facing high entry costs.

|  LEARN MORE >

Find A Trusted CCAR Affiliate Lender

CCAR ANNUAL SPONSORS

LeadHax logo/link
  • Page 1
  • Page 2
  • Page 3
  • Interim pages omitted …
  • Page 226
  • Go to Next Page »
CCAR logo
 
CCAR logo

SERVING YOU AT:

1870 Olympic Blvd,
Suite 200
Walnut Creek, CA 94596


500 Alfred Nobel Dr.,
Suite 265
Hercules, CA 94547

 
MON - FRI  |  9AM - 5PM
Phone: 925.295.1270
SUPPORT

TUE & THU  |  9AM - 5PM
Phone: 925.295.1270
SUPPORT

RPAC Platinum CertificationPlatinum Partner, NAR Corporate Ally Program



RESO Platinum CertificationCCAR is proud to be a RESO Platinum Certified MLS, the highest level of certification available.

                         

Search

Generic filters
Exact matches only
Member Login MLS Login Join CCAR
Copyright ©2025
Contra Costa Association of REALTORS®
ACCESSIBILITY | PRIVACY POLICY | TERMS OF USE | DMCA | SITE FEEDBACK