F.R.E.E.D.O.M. Affiliate – Oakland East Bay Alliance

A “Catch The Dream” Initiative with Life Development Corporation, FACES, Millennium Community Association, Chase Home Finance, Wells Fargo Home Mortgage, F>R>E>E>D>O>M>  and Freddie Mac


In spring of 2003, Freddie Mac, F.R.E.E.D.O.M., and the City of Oakland sponsored a Faith-Based Homeownership Workshop.  As a result of the workshop, River of Life Christian Fellowship (Life Development Corporation), East Bay Church of Religious Science (FACES), and Community Christian Church for Christ (Millennium Community Association) formed an affective alliance to increase African American homeownership through the churches of the East Bay, CA.


The EBFBHA along with various public and private sector organizations want to ensure existing and prospective congregations of the Alliance have the maximum access to homeownership programs.  Therefore, a unique public-private partnership has been developed to create a one-stop, homeownership assistance program for members of the EBFBHA.    This Initiative expands mortgage credit opportunities to low-to-moderate families, particularly African Americans, in the East Bay Faith-Based communities.


The EBFBHA’s mission is to: a) provide a quality homeownership education and counseling program for the member churches of the EBFBHA and b) provide an aggressive targeted outreach and marketing campaign.


The EBFBHA has received high-level homeownership training from F.R.E.E.D.O.M and Neighborhood Reinvestment Corporation (NRC) to build capacity for the Initiative.  The EBFBHA will serve a combined membership base of over 3,500.  This initial effort will eventually increase to over 25,000 members served, based on strong and viable affiliation and alliances with other Faith-Based institutions and associations.

The Alliance will assist African American families of the East Bay in obtaining the information, counseling, individualized assistance, personal assets and other financial resources necessary to attain their goal of first-time homeownership.


The EBFBHA will provide an aggressive targeted outreach and marketing campaign, comprehensive homebuyer education and counseling, and down payment and closing costs assistance throughout Alameda, Contra Costa, and Solano Counties.  The initial focus of the Initiative will be for the City of Oakland.  The Alliance will expand services and outreach to other cities in the East Bay tri-counties.  To support this effort, the churches of the Alliance have hired 16 homeownership counselors.  The counselors are trained and certified by F.R.E.E.D.O.M. and/or the Neighbor Works Training Institute to provide pre-and-post purchase counseling, debt management counseling, credit counseling, pre-qualification assistance, and homeownership education services.