Believe it or not, it is getting easier. Wachovia led the way, and BofA is followng! Read this article.

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Fun site from my friend Estelle:

http://www.infoplease.com/yearbyyear.html

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If you live in our neighborhood, or even visit, please attend the meeting for residents
on at the Old Almaden Winery Community Center on Thursday, February 11th at 6:30 pm.
PG&E will be there to discuss their plans for removing these trees. Some are very
old oak trees.

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Today on my door knocking rounds, I came upon an awful sight. A poor robin had been
shot through the head with what turns out to have been a blow dart. The crows were
circling the poor thing, and without thinking, I scooped him up and took the dart out
of it's head. I wound up taking him to the Wildlife Center of Silicon Valley. A report
will be made, and because it is a migratory bird, the Dept. of Fish and Game
will also get involved along with the police.

Whoever the SOB is who did this is most likely not aware that this is a felony.

For those of you who live in our area, keep your eyes out for anything that looks
like this(photo below, along with the victim), as well as anyone you think might be responsible and let's get this jerk!
From birds, they will turn to other animals to torture.

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How Strategic Mortgage Defaults Will Effect the Selling of Your Home.....

Strategic Mortgage Default occurs when a homeowner, finding his home worth less than he owes on his mortgage, intentionally allows it to go into foreclosure. That is intentionally. Whatever your feelings on the morality of this issue, many people have and are doing it. And even, many more are considering it. You've probably heard or read about this tactic. The thinking, typically, is that throwing good money after bad will just lead to ... nothing. Many people believe that their homes are never going to be worth what they paid for them. Their thinking is “ No more property taxes, maintenance, insurance? Sounds good to me!” (Never mind tax and other implications).

In 2010, based on when many parts of California saw their real estate markets “top out”, many homeowners will have adjustments in their mortgages kick in. One positive aspect of this might be that interest rates are quite low, so payments may not change all that much. But these adjustments, coupled with new taxes just passed in the state and the realization that their homes aren’t worth close to what they paid might be enough to have many people calling it quits.

While all of this might sound daunting, it would be naive to not face the reality of the situation head-on. Strategic Mortgage Default will do its part to drastically raise the number of bank-owned for sale in California. And there are many already.

If you’re planning on selling your house this year, these homes -- part of what we call “shadow inventory”-along with short sales -- could play a big role in where you can, realistically, set your price. If you’re planning on buying, you’ll want to know how to position yourself to get the best price possible on your purchase.
Strategic Mortgage Default is going to be something you’ll hear more and more about in 2010.

Contact me for more information on making one of the most important decisions of your life.

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