LaToya Johnson

LaToya Johnson Hello, I'm Latoya Johnson, your trusted local realtor with Bloom Real Estate Group Serving Bay Area| Central Valley |Tri-Valley DRE #02161869

07/23/2026

The Arcasa Energy-Smart Down Payment Assistance program⁠ is a home financing program that combines an FHA mortgage with a commitment to install solar after closing. According to Arcasa, the value created by the solar component is used to help buyers with upfront home purchase costs.

Key features promoted by Arcasa include:

* Down payment assistance: Up to 3.5% or more of the home’s purchase price may be available for an FHA down payment, closing costs, or in some cases an interest-rate buydown, depending on the loan structure and eligibility.
* FHA financing: The program is designed around a standard FHA mortgage. Arcasa states a 620+ credit score is typically required.
* No income caps: Unlike many traditional down payment assistance programs, Arcasa says there are no income limits for its program.
* One mortgage payment: Arcasa advertises that there is no second lien and no separate down payment assistance loan.
* Solar installation after closing: The solar system is generally installed after you move into the home, with the goal of reducing future electric bills and potentially increasing home value.

Latoya Johnson
Dre #02161869
925-434-8306
[email protected]

05/23/2026

Million dollar vibes for half the price awaits at
1235 Marina Circle discovery Bay Ca. This turn key move in ready waterfront property available under 500,000 this beautiful updated townhouse features 3 bedrooms 3 full bath, a cozy fireplace and all appliances. A attached garage with ample storage designed for ultimate outdoor enjoyment a true Delta lifestyle the property boast two upstairs decks with elevated views, a private backyard with room to grow and a large driveway for easy accommodation for three vehicles. resort style amenities are right at your doorstep with a sparkling pool located just feeds away from your backyard and an inviting community clubhouse and your very own private boat dock on the deep Waters of discovery Bay just 20 feet away, capable of accommodating a decent side boat offering unmatched luxury! water access convenience at the unbeatable price. This exceptional property is completely ready for the next owner to move right in and start enjoying the Delta life. Welcome home 🏡.

Are you next? Next to Buy or next to Sell if so contact to discuss your options.

Latoya Johnson
Dre # 02161869
9254348306
[email protected]

05/02/2026

If you’ve been trying to fix your credit on your own and feel stuck, you’re not alone—and you’re not behind.

A lot of people think they have to “perfect” their credit before talking to a lender. That’s actually one of the biggest mistakes I see.

Here’s the truth: You don’t need perfect credit to start—you need a plan.

Right now, you might be judging yourself based on a number, but that number doesn’t tell the full story. It doesn’t show your income, your progress, or your ability to become a homeowner. And more importantly, it doesn’t define your future.

Instead of guessing what to fix, imagine having a clear roadmap:• Knowing exactly where you stand• Understanding what’s helping or hurting your score• Having step-by-step guidance tailored to YOU• And knowing how close you really are to buying a home

A good lender doesn’t judge you—they guide you. We look at your full picture and help you build a strategy to move forward, not stay stuck.

Whether you’re 3 months away or 12 months away, the goal is the same: progress with purpose.

If you’re ready to stop guessing and start working toward homeownership with a real plan, let’s map it out together.

I can help you if you allow me to.

Latoya Johnson
Dre # 02161869
9254348306
[email protected]
Bloom real estate group

🔑🏡❤️

04/25/2026

This waterfront property is located in discovery Bay, California!
Experience the ultimate waterfront lifestyle at 5502 Drakes Court in beautiful Discovery Bay. Boasting stunning curb appeal, this home features a bright, open-concept floor plan designed for modern living. The spacious layout includes four bedrooms plus an oversized master suite with a private en-suite bath. One bedroom is highlighted by elegant double doors, making it an ideal professional home office. Outside, the large deck is perfect for entertaining, leading directly to your private dock on Willow Lake where you can jump in the water any day of the year. The dock is ready to go, so you can park your Boat and/or Paddle Boat and start living the lake life immediately. Additionally, the property offers rare, large side-yard access that easily accommodates a boat trailer and possibly a RV/ Motorhome. This isn’t just a home; it’s a lifestyle—come see why life is better on the water!

DM me the word view to schedule a private tour!

Latoya Johnson
Dre #02161869
(925)434-8306
[email protected]
Bloom real estate group and lending.

04/18/2026

This stunning property won’t stay on the market for long. Featuring 3 beds] 🛏️ | 2 baths] 🛁 | [key feature—poolside possibility updated kitchen, updated everything!

Perfect for anyone looking for comfort, style, and a place to truly call home.

📍 Located 2579 Montgomery avenue
✨ Move-in ready
🔥 High demand—serious inquiries only

DM me now to schedule a private showing before it’s gone.

LaToya Johnson
Dre #02161869
[email protected]
Bloom Real Estate Group.

Address

1475 N Broadway
Walnut, CA
94596

Telephone

+14083334080

Website

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