We believe that community ownership of community assets is one of the most powerful tools for cultivating thriving communities, promoting economic justice, and building power.

As a Community Development Financial Institution (CDFI), we offer tailored financing solutions and expert advisory services to support community-led real estate projects in low-income communities in California. Our work enables community-rooted organizations to acquire, preserve, and develop social purpose real estate that provides affordable and supportive housing, meets human needs, fosters artistic cultural expression, and builds income and wealth. 

Since our founding in 1987, we have invested $613M+ in financing and distributed more than $38M in grants, leveraging another $2.5B+. Our team has empowered hundreds of nonprofits and social enterprises in navigating the complexities of real estate development and financing, helping our clients achieve permanency, well-being, justice, power, and equity.

Mission

We advance racial and economic equity, land justice, and community ownership by delivering flexible capital and responsive advising.

Vision

We envision a California where all communities—regardless of race or income—equitably control real estate as a path to agency, self-determination, and power.

Our Values

Conscious Investment

We deploy capital and knowledge that creates long-term systems change to power structures.

Learning

We use evaluation, reflection, and knowledge sharing to inform nimble and innovative approaches to solutions that achieve personal and organizational excellence.

Racial and Economic Equity

We recognize that a history of discriminatory financial practices and intentional disinvestment have contributed to a lack of economic progress in low-income communities and communities of color. Community Vision provides capital and technical assistance for communities that have been systemically disadvantaged to ensure fairness in opportunities, resources, and rights for everyone.

Client Service Focused

We are responsive and consistent in our interactions. Everything starts with our clients’ needs. We adapt our process and offerings accordingly.

Humility and Respect

We value the wealth of experience, insight, and culture rooted in the communities we work with.

Collaboration

We recognize and engage each other’s strengths to achieve a shared vision or goal.

Integrity

We are honest, accountable, and transparent with each other and our stakeholders. We value and practice sound ethical character and behavior.

Community Vision is an Equal Opportunity organization. Learn more here.

Our People

We understand that no one knows your problem better than you do, and we believe that client input is integral to all solutions. Working together, we listen to your concerns and apply our experience and wisdom to tackle the financial challenges our clients face. We are your partner throughout the entire process.

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Betty Banh : Staff Accountant

Betty Banh

Staff Accountant

Betty is responsible for accounts payable, accounts receivable and other accounting functions. Before joining Community Vision in February 2015, I worked at First Place for Youth, a nonprofit organization which is to help foster kids build the skills they need to make a successful transition to self-sufficiency and responsible adulthood. Prior to First Place for youth, she worked as a bookkeeper/general accountant at Port Seafood, Inc.

bbanh@communityvisionca.org
Maria Castro Noboa : Human Resources Manager

Maria Castro Noboa

Human Resources Manager

Maria brings a decade of experience working in San Francisco’s nonprofit sector, with a focus on serving underrepresented and vulnerable communities. As an immigrant from Ecuador who moved to San Francisco in her late childhood, her commitment to service and community empowerment has shaped both her professional and educational journey. She earned a Master of Social Work from the University of Southern California in 2016 and recently obtained her SHRM-CP certification in 2025.

Maria has worked primarily at the intersection of program management and people operations and now focuses exclusively on building inclusive, people-centered workplaces. At Community Vision, she oversees day-to-day HR functions, including compliance, benefits administration, talent management, and training and development. A natural process and systems thinker, Maria is passionate about creating organizational structures that foster sustainability, equity, and impact.

Outside of work, Maria enjoys spending time with her husband Manny and their dog, Mila, diving into a good book, or enjoying her mom’s home-cooked Ecuadorian meals.

mcastronoboa@communityvisionca.org
Margarita Mitas : Loan Closing Administrator/Paralegal

Margarita Mitas

Loan Closing Administrator/Paralegal

Margarita brings over two decades of leadership experience in the financial services industry to her role at Community Vision, with deep expertise in commercial and construction lending, loan operations, and legal analysis. Throughout her career, she has built and led high-performing teams, streamlined operational processes for efficiency, and successfully negotiated and closed complex transactions that support small businesses, real estate projects, and underserved markets. Her transition to community development finance reflects a purposeful shift to focus more directly on using financial tools to advance economic equity and social impact.

Prior to joining Community Vision, Margarita held leadership roles at major financial institutions. Her passion for community empowerment drives her work to expand access to capital in historically marginalized communities. Outside of her professional work, Margarita remains a dedicated civic leader in her hometown of Richmond, California. She serves as President of the Richmond-Marina Bay Neighborhood Council, is an active member of the Richmond Neighborhood Coordinating Council, and engages in mentorship, volunteerism, and nonprofit collaboration.

Margarita earned her Bachelor of Arts degree and a Paralegal Certificate from St. Mary’s College in Moraga, California.

mmitas@communityvisionca.org
Amy Johnson : Community Real Estate Consultant

Amy Johnson

Community Real Estate Consultant

Amy has over 20 years of experience in the nonprofit sector, centering community empowerment and ownership as a driving force in her work. She has worked across a range of sectors, including community-owned media, worker cooperatives, community land trusts, affordable housing, arts and culture, and progressive electoral campaigns.

A licensed real estate agent, she specializes in helping clients explore alternative models of ownership, including co-buying, co-housing, and housing cooperatives. Her passion lies in community organizing to ensure that the people and organizations who shape and sustain vibrant neighborhoods can afford to live, work, and thrive in the places they love.

Originally from the East Coast, Amy has called Oakland home for more than 15 years, where she is raising her family. She holds a BA in Communications from La Salle University and an MPA in Sustainable Management from Presidio Graduate School, with a concentration in economic development through community ownership.

ajohnson@communityvisionca.org
Sal Smyth : Manager of Underwriting

Sal Smyth

Manager of Underwriting

Sal Smyth is Community Vision’s Manager of Underwriting, overseeing all credit underwriting activities. Sal brings over seven years of experience underwriting community serving real estate transactions, primarily focused on affordable housing and community facilities. Before becoming a lender, Sal obtained a graduate degree in public policy and worked for the Federal government as well as several nonprofits focused on systems change. Sal’s policy background informs their approach to work as a lender. Sal is deeply committed to Community Vision’s work to support community-based organizations to purchase, preserve, and develop social purpose real estate.

ssmyth@communityvisionca.org
Amanda Bornstein : Director of Real Estate Solutions

Amanda Bornstein

Director of Real Estate Solutions

Amanda has more than 15 years of experience in nonprofit and small business management, urban planning, and real estate. She has worked for local government, community-based arts nonprofits, environmental advocacy organizations, and others. Amanda holds a BA in American Studies and a BFA in Visual Art, both from Tufts University. She also holds a Masters in Urban Planning from UCLA, with a Design and Development concentration.

abornstein@communityvisionca.org

Board of Directors

Anita Addison, Chair
John Chan, Treasurer
David Elsaesser, Secretary
Patricia GoPaul, At-Large
Carolyn Johnson, At-Large
Andy Madeira
Bhavani Daryanani
Nikki Beasley
David Dill

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