Real Estate • Mortgage • Insurance  
 ■ Coverage you can customize to meet your needs 
 ■ Business insurance 
 ■ Life insurance 
 Call 510.741.9600 
 today! 
 For Home, Auto, Life  
 and Business. 
 APPLY ONLINE AT LENDINGTHEBAY.COM 
 WE SPECIALIZE IN ALL TYPES OF LOANS FHA, VA  
 CONVENTIONAL, REVERSE AND PRIVATE MONEY! 
 FHA  
 Advantage 
 100%  
 Down Payment  
 Assistance 
 NO  
 REPAYMENT 
 GRANT AVAILABLE 
 Streamline Program • 30 Year Fixed • No Credit Score 
 CALL NOW FOR MORE INFORMATION! 
                    FREE NO-OBLIGATION CONSULTATION. 
 HOME LOANS • REFINANCES • REVERSE MORTGAGES 
 DOWN PAYMENT ASSISTANCE • RENOVATION LOANS 
 3220 Blume Drive, Suite 248 • Richmond, CA 94806 
 Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. 
 AUGUST 2021      CCMARKETPLACEMAG.COM      17 
 510.669.2202 • NMLS# 1071 
 Janice Baniqued Carroll 
 Branch Manager/ Mortgage Advisor 
 MLO-292558 
 510.928.0566 
 Janice.Carroll@financeofamerica.com 
 Edward Carroll 
 Mortgage Advisor 
 MLO-1037433 
 925.575.0474 
 Edward.Carroll@financeofamerica.com 
 Tera Taylor 
 Mortgage Advisor 
 MLO-1330825 
 510.224.7377 
 Tera.Taylor@financeofamerica.com 
 Mellissa Ranese 
 Mortgage Advisor 
 MLO-1969249 
 510.221.1847 
 Mellissa.Ranese@financeofamerica.com 
 Hablo Español 
 6% 
 GRANT MONEY CAN BE USED FOR DOWN PAYMENTS AND CLOSING COSTS! 
 Brenda Walters - Broker/Owner 
 (510) 376-9719 
 moneysrce@gmail.com 
 the1stmoneysourceinc.com 
 NMLS #261796. Lic #01858423 CA BRE. Rates subject to change without notice. 
 LIFE IS BETTER  
 WHEN YOU HAVE  
 A PLAN 
 Richie Fernandez 
 Your Local Agent 
 CA License # 0I36432 
 2200 PEAR ST, PINOLE, CA 94564 
 RFERNANDEZ@FARMERSAGENT.COM 
 https://agents.farmers.com/rfernandez 
 Restrictions apply. Discounts may vary. Not available in all states. See your agent for details. Insurance is underwritten by Farmers Insurance Exchange and 
  other affliated insurance companies. Visit farmers.com for a complete listing of companies. Not all insurers are authorized to provide insurance in all states.  
 Coverage is not available in all states. Life Insurance issued by Farmers New World Life Insurance Company, 3120 139th Ave. SE, Ste. 300, Bellevue, WA 98005. 
 
				
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		/farmers.com
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