A CRA Affordable Home Mortgage loan is available that has been improved by removing the income limits for Majority Minority census tracts and increasing the max DTI to 45%. This opens the program up to almost all of the Bay Area census tracts without income restrictions. Below is more information on this loan from Wendy Hickingbottom, a Senior Loan Originator with California Bank & Trust. We know this is all in very technical language and would be happy to clarify and discuss what this could actually mean for someone looking into loan options. Please feel free to reach out to us anytime!