Lisa Wiseman Blog

Berryessa REO in Great Neighborhood. Open House This Weekend!

Fri, 18 May 2012 00:00:00 -0700

Located in a quiet, secluded Berryessa neighborhood near Berryessa Foothills. Close to Penitencia Park, shopping and easy access to freeway. Recent kitchen upgrades. Spacious living room and oversized garage.

Open Houses Saturday, May 19th from 1:30-4:30 and Sunday, May 20th from 12-4pm.

Like to View Historic Homes? Don't Miss This Event!!

Mon, 16 Apr 2012 00:00:00 -0700

Naglee Park Vintage Home Tour and Tea
Saturday, April 21 10 a.m. - 4 p.m.

Ssn Jose Women's Club's Third Naglee Park Vintage Home Tour includes historic homes, a boutique of hand-made items and antiques, a chat with local historian April Halberstadt about her recently completed history of Naglee Park, and an elegant tea served in the garden of the Bishop of San Jose. All events occur within a one-block radius. Park once and enjoy the day walking through historic Naglee Park.A few of the homes that will
be on the tour are:

550 S 13^th,

555 S 13^th,

584 S 13^th

596 S 13^th – bishop’s house where High Tea will be served

575 S 14^th,

595 S 14^th,

648 S 14^th

For more information, view their site at http://sjwomansclub.org/

It is also a great opportunity for some of the older vintage homes for sale in the neighborhood
to hold their homes open. You will not want to miss this extraordinary Tudor/Craftsman
home that won an award for home improvement, boasts many original materials, has a
guest cottage and incredible backyard garden and patio with fountains to name just a few
features.

Below are some of the many benefits of living in historic Naglee Park:

Centrally located and within walking distance of the San Jose Light Rail, the San Jose Repertory Theater, the San Jose Opera, Symphony Silicon Valley, Camera12 cinema (home of the Cinequest Film Festival), HP Pavilion (home of the San Jose Sharks), Tech Shop San Jose, San Jose State University, San Jose City Hall, the San Jose Woman’s Club, the San Jose Quilt Museum, the Tech Museum, and the Children’s Discovery Museum. It will be within walking distance of BART when the transit line is extended to San Jose. There are many restaurants, a super market, fitness gyms, yoga studios, clubs, coffee houses and ?? – all within walking distance. There are also many local activities: the San Jose Jazz Summer Festival, Christmas in the Park, Ice Skating in the Circle of Palms during the holiday season, South First Fridays art walk, Silicon Valley Farmers’ Market, San Pedro Square Farmers’ Market, Naglee Park Vintage Home Tour, Naglee Park Artists Open Studios, and Bark In The Park … to name a few. The Naglee Park Campus Community Association is actively involved in many local and neighborhood activities.

Are You Being Targeted?

Tue, 06 Dec 2011 00:00:00 -0800

While I don't like to be an alarmist, and this is an old one, but it's that favorite time of the year for burglars,
and looks like they're back in some neighborhoods.

.
These markings have been seen in certain neighborhoods in San Jose, so keep
a lookout for yourselves and your neighbors, and report anything to the police.
There is an iPhone and Android app called TipSubmit that allows you to submit
suspicious activity anonymously.

Need $30,000?

Wed, 16 Nov 2011 00:00:00 -0800

Attention: if you are a distressed homeowner, you could be rewarded up to $30,000 to sell your home.

ALMADEN'S MONTEVIDEO/TJ MARTIN/JEFFREY FONTANA MARKET UPDATE

Mon, 07 Nov 2011 00:00:00 -0800

To view photos and additional information on these homes, go to Almaden Valley Listings.

The median sales price for homes in ZIP code 95120 in San Jose from Jul 11 to Sep 11 was $802,500 based on 104 sales. Compared to the same period one year ago, the median sales price decreased 9.2%, or $81,500, and the number of sales decreased 2.8%. Average price per square foot for homes in 95120 was $375, a decrease of 6.9% compared to the same period last year. There are currently 108 resale and new homes in ZIP code 95120 , including 53 homes in the pre-foreclosure, auction, or bank-owned stages of the foreclosure process. The average listing price for homes for sale in 95120 was $1,034,800 for the week ending Oct 26, which represents an increase of 1%, or $9,894, compared to the prior week. .

Status	List Price	Street Address	Beds	Baths	Sq Ft	DOM	Sale Price	COE
Active	$802,475.00	6181 CALLE DEL CONEJO	4	2.5	1974	1	--	--
Active	$789,000.00	6018 MONTEVERDE DR	4	2	1949	3	--	--
Active	$774,999.00	6146 SILBERMAN DR	5	3	2614	7	--	--
Active	$925,000.00	5873 TEXAS CT	4	3	2110	10	--	--
Active	$774,000.00	5831 BURCHELL AVE	4	2	1905	11	--	--
Active	$729,500.00	1572 PUERTO VALLARTA DR	3	2.5	1866	12	--	--
Active	$915,000.00	1388 CAMINO ROBLES WAY	5	3	2673	20	--	--
Active	$729,000.00	6001 VERA CRUZ DR	5	2.5	2278	25	--	--
Active	$878,000.00	1489 ELSMAN CT	4	2.5	2024	26	--	--
Active	$639,800.00	5952 VIA MADERO DR	3	2	1670	31	--	--
Active	$825,000.00	5951 LARABEE CT	4	2.5	2008	31	--	--
Active	$848,888.00	6079 CASTELLO DR	4	2	2132	38	--	--
Active	$688,888.00	6260 MERIDIAN AVE	4	2	1657	47	--	--
Active	$900,000.00	1477 MONTEGO DR	5	2.5	2966	49	--	--
Active	$778,000.00	6272 DESERT FLAME DR	4	2	1840	55	--	--
Active	$749,000.00	1309 ADDIEWELL PL	3	2	1657	58	--	--
Active	$949,000.00	1523 OAK CANYON DR	5	3	2760	95	--	--
Active	$1,180,000.00	1295 MCABEE ESTATES PL	5	4+	3485	126	--	--
Active	$799,000.00	1451 KINSPORT LN	4	2.5	1845	170	--	--
Active	$679,988.00	6094 CRESTOAK CT	4	2	1677	178	--	--
Active	$750,000.00	6194 CALLE ESPERANZA	4	2.5	1974	262	--	--
Active	$629,000.00	1403 TORRINGTON CT	4	2.5	2008	424	--	--
Pending	$730,000.00	1556 PUERTO VALLARTA DR	4	2.5	2013	2	--	11/10/2011
Pending	$639,000.00	6105 CECALA DR	4	2	2014	113	--	11/30/2011
Pending	$650,000.00	1550 MONTEVAL LN	4	2.5	2033	164	--	10/28/2011
Pending	$839,000.00	6342 GONDOLA WAY	5	3	3684	467	--	1/31/2012
Pending Release Clause	$729,000.00	1334 ADDIEWELL PL	4	2.5	1997	44	--	1/12/2012
Pending Release Clause	$791,000.00	6272 PASO LOS CERRITOS	4	2.5	1974	452	--	10/25/2011
Pending Show	$625,000.00	6288 PASO LOS CERRITOS	4	2.5	1974	16	--	11/15/2011
Pending Show	$699,900.00	6171 CALLE DEL CONEJO	4	2	1612	19	--	10/26/2011
Pending Show	$749,000.00	6411 FIREFLY DR	5	3	2711	58	--	11/30/2011
Pending Show	$774,999.00	1295 VARGAS DR	4	2.5	2108	125	--	11/11/2011
Sold	$828,000.00	6185 SILBERMAN DR	4	2.5	2245	5	$838,000.00	11/2/2011
Sold	$924,000.00	6427 MONTEGO CT	5	2.5	2624	7	$910,000.00	10/17/2011
Sold	$749,000.00	6245 TWEEDHOLM CT	4	2.5	2651	34	$730,000.00	10/26/2011
Sold	$869,000.00	1267 OAKGLEN WAY	5	2.5	2141	10	$839,000.00	9/22/2011
Sold	$1,079,000.00	1603 DORCEY LN	5	3	3141	26	$1,043,000.00	10/6/2011
Sold	$520,000.00	6202 MERIDIAN AVE	3	2	1375	15	$531,000.00	10/26/2011
Sold	$719,000.00	1352 VIA DE LOS REYES	4	2	1754	7	$730,000.00	9/9/2011
Sold	$746,500.00	6097 CRESTOAK CT	4	2.5	2014	13	$756,000.00	9/30/2011
Sold	$739,000.00	1549 MONTALBAN DR	4	2	1670	17	$737,000.00	8/30/2011
Sold	$799,999.00	6079 KNOLL PARK CT	5	3	2128	26	$799,999.00	9/20/2011
Sold	$690,000.00	6081 CRESTOAK CT	3	2	1316	40	$677,500.00	10/12/2011
Sold	$749,000.00	1255 CHRISMARA CT	3	2	1795	47	$725,000.00	9/28/2011
Sold	$850,000.00	6308 FIREFLY DR	5	3	2012	16	$835,000.00	9/28/2011
Sold	$809,000.00	1263 NANCARROW WAY	4	2	1997	90	$809,000.00	9/15/2011
Sold	$799,000.00	6003 MONTEVERDE DR	5	2.5	2278	169	$775,000.00	10/7/2011
Sold	$749,950.00	6372 GONDOLA WAY	4	2.5	2651	248	$725,000.00	10/25/2011
Sold	$799,950.00	6379 FIREFLY DR	5	3	2350	259	$756,000.00	8/15/2011

This Spacious Bank-Owned Home in Berryessa is Looking for a New Owner..

Thu, 03 Nov 2011 00:00:00 -0700

Located in the cul-de-sac of a great Berryessa neighborhood, this home is close to shopping, golf, light rail, parks and freeway access, this home has a private patio, vaulted ceilings, plenty of living space and more.

Open house this Saturday and Sunday from 1-4pm.

Cambrian Market Activity Update

Fri, 21 Oct 2011 00:00:00 -0700

Cambrian; The Affordable Community With The Sought After School District

All schools in the Cambrian School District are high performing, boasting Academic Performance Index (API) scores well above 800. View their website at :http://www.cambrian.k12.ca.us/

The median sales price for homes in Cambrian, San Jose for Jul 11 to Sep 11 was $530,000 based on 191 sales. Compared to the same period one year ago, the median sales price decreased 7.3%, or $41,500, and the number of sales decreased 3.5%. Average price per square foot for Cambrian was $354, a decrease of 3.8% compared to the same period last year. There are currently 136 resale and new homes in San Jose, including 6 open houses, as well as 198 homes in the pre-foreclosure, auction, or bank-owned stages of the foreclosure process. The average listing price for homes for sale in Cambrian was $602,473 for the week ending Oct 12, which represents an increase of 2.1%, or $12,556, compared to the prior week.

Status	List Price	Street Address	Beds	Baths	SF	DOM	Sale Price	COE
Active	$419,900.00	5344 MERIDIAN AVE	3	2	1300	2	--	--
Active	$488,800.00	1445 BLACKSTONE AVE	5	2.5	1663	3	--	--
Active	$619,000.00	1964 ROSSWOOD DR	3	2	1460	3	--	--
Active	$578,000.00	3496 KERSTEN DR	3	2	1210	3	--	--
Active	$635,000.00	1633 ORCHARD VIEW DR	3	2	1250	4	--	--
Active	$550,000.00	4794 SALLY DR	3	2	1802	6	--	--
Active	$365,000.00	1473 HILLSDALE AVE	3	1	1088	6	--	--
Active	$630,000.00	3903 HASTINGS AVE	3	2	1407	6	--	--
Active	$489,000.00	4864 CAROLINE WAY	3	2	1110	6	--	--
Active	$580,000.00	1725 CORALEE DR	3	2	1246	8	--	--
Active	$749,000.00	1515 TREVISO AVE	3	2.5	1756	8	--	--
Active	$549,888.00	1427 MELWOOD DR	3	2.5	1220	9	--	--
Active	$898,000.00	5610 BELLAGIO DR	4	2.5	2576	10	--	--
Active	$937,000.00	15390 WOODARD RD	4	2.5	2705	10	--	--
Active	$488,000.00	5265 MERIDIAN AVE	3	2	1080	14	--	--
Active	$469,000.00	1381 ANTWERP LN	3	2	1189	15	--	--
Active	$549,000.00	5702 CROYDON AVE	3	2	1425	15	--	--
Active	$529,900.00	1224 REDCLIFF DR	5	2.5	1618	15	--	--
Active	$675,000.00	14505 UNION AVE	3	2	1484	18	--	--
Active	$535,000.00	1828 GUNSTON WAY	4	1	1202	18	--	--
Active	$479,000.00	1767 LEDGEWOOD DR	3	2	1308	19	--	--
Active	$588,500.00	3129 JENKINS AVE	5	2.5	1787	20	--	--
Active	$449,000.00	5234 CAMDEN AVE	3	2	1209	20	--	--
Active	$619,000.00	1323 MONTMORENCY DR	3	2	1264	20	--	--
Active	$759,000.00	1754 CONRAD AVE	4	2	2190	22	--	--
Active	$566,200.00	5405 DRYSDALE DR	3	2	1360	22	--	--
Active	$559,000.00	1632 BOWLING LN	3	2	1275	23	--	--
Active	$678,900.00	4067 PALADIN DR	4	2	1573	23	--	--
Active	$949,000.00	1683 MORNING GLORY LN	5	3	2158	24	--	--
Active	$595,000.00	1575 PARK RIDGE DR	3	2	1446	24	--	--
Active	$599,000.00	3901 LA MESA LN	3	2	1802	27	--	--
Active	$745,800.00	4602 JACKSOL DR	3	2.5	1438	27	--	--
Active	$499,000.00	3444 UNION AVE	3	2	1667	27	--	--
Active	$589,950.00	1396 CARRIE LEE WAY	4	2	1763	29	--	--
Active	$584,000.00	3982 STARVIEW DR	3	2	1178	29	--	--
Active	$499,950.00	1727 MERRILL LP	3	2	1221	30	--	--
Active	$710,000.00	1362 GLACIER DR	4	2.5	2148	30	--	--
Active	$499,000.00	1799 ROSSWOOD DR	3	2	1240	34	--	--
Active	$503,500.00	3525 MOUNT DAVIDSON CT	3	3	2251	35	--	--
Active	$829,950.00	5023 WILLOW DR	4	2.5	2126	35	--	--
Active	$599,000.00	1452 JEFFERY AVE	4	2	1373	35	--	--
Active	$528,000.00	3210 KIRK RD	3	2	1140	38	--	--
Active	$569,000.00	1407 BOURET DR	4	2	1797	38	--	--
Active	$595,000.00	4150 JAN WAY	4	2	1400	38	--	--
Active	$789,000.00	4360 BLOOMFIELD DR	5	2.5	2500	40	--	--
Active	$541,100.00	3026 VISTAMONT DR	3	2	1376	41	--	--
Active	$1,145,500.00	2141 TAFT LN	5	3	3280	42	--	--
Active	$655,000.00	3151 RAMA DR	3	2	1630	43	--	--
Active	$749,000.00	1796 MICHON CT	3	2	1709	45	--	--
Active	$425,000.00	5384 HENNESSY PL	3	2	940	45	--	--
Active	$749,500.00	15360 UNION AVE	3	2	1975	48	--	--
Active	$689,000.00	15105 UNION AVE	3	1.5	1783	49	--	--
Pending	$375,000.00	3179 ARROBA WAY	4	1	1140	3	--

Willow Glen Market Update

Thu, 20 Oct 2011 00:00:00 -0700

Plenty of inventory here in Willow Glen. The median sales price for homes in ZIP code 95125 in San Jose from Jul 11 to Sep 11 was $642,000 based on 170 sales. Compared to the same period one year ago, the median sales price increased 7.3%, or $43,598, and the number of sales decreased 3.4%. Average price per square foot for homes in 95125 was $387, an increase of 0.3% compared to the same period last year. There are currently 195 resale and new homes in ZIP code 95125, including 23 open houses, as well as 160 homes in the pre-foreclosure, auction, or bank-owned stages of the foreclosure process. The average listing price for homes for sale in 95125 was $761,462 for the week ending Oct 12, which represents a decrease of 0.1%, or $1,072, compared to the prior week. This is currently a market where only serious sellers need apply.

If you would like a free, detailed analysis on your home, including a Maximum Home Value Audit, and how
my 28 Step Marketing Plan can help you, contact me at (408) 591-7778, and if you would like to purchase a home in Willow Glen, this is really a great time, with rates low, and depending on the neighborhood, prices are have seen decreases, yet not dramatically.

Status	List Price	Street Address	Beds	Baths	SF	DOM	Sale Price	COE
Active	$489,900.00	1476 PHANTOM AVE	2	1	891	0	--	--
Active	$489,900.00	218 MONTE VISTA DR	3	2.5	1937	1	--	--
Active	$749,000.00	1928 COTTLE AVE	3	2	1490	1	--	--
Active	$1,338,000.00	2120 BRIARWOOD DR	5	3.5	3299	1	--	--
Active	$698,000.00	2431 PLUMMER AVE	3	2	1719	3	--	--
Active	$997,000.00	1820 JOHNSTON AVE	5	4+	2647	3	--	--
Active	$699,900.00	1344 CURTNER AVE	4	2	2044	3	--	--
Active	$2,195,000.00	1185 NEVADA AVE	5	4+	5249	5	--	--
Active	$769,000.00	1850 HURST AVE	4	2.5	2084	5	--	--
Active	$296,900.00	772 WILLIS AVE	4	2	1345	5	--	--
Active	$799,000.00	1521 ALTAMONT AVE	3	2	2000	6	--	--
Active	$885,000.00	1085 NEVADA AVE	3	2	1950	6	--	--
Active	$675,000.00	2847 ARAGON WAY	4	2	1678	7	--	--
Active	$1,245,000.00	2048 GLEN UNA AVE	4	3	2679	7	--	--
Active	$1,219,000.00	1264 CAMINO PABLO	4	3	2100	8	--	--
Active	$1,278,000.00	1142 NEVADA AVE	4	3.5	2953	9	--	--
Active	$1,595,000.00	1914 JAMES PL	5	4+	3590	9	--	--
Active	$659,000.00	1730 LINCOLN AVE	3	2.5	1500	9	--	--
Active	$899,000.00	2547 LANSFORD AVE	4	3.5	1702	9	--	--
Active	$1,249,000.00	1143 KOCH LN	4	3.5	2666	9	--	--
Active	$1,495,000.00	1038 CHERRY AVE	4	3	2791	9	--	--
Active	$627,500.00	1184 PINE AVE	2	2	1319	10	--	--
Active	$920,000.00	1925 CHERRY AVE	4	2.5	1997	10	--	--
Active	$640,000.00	815 RIVERSIDE DR	3	2	1464	13	--	--
Active	$635,000.00	1718 MOROCCO DR	3	2	1281	13	--	--
Active	$689,000.00	2342 RICHLAND AVE	5	3.5	2175	14	--	--
Active	$775,000.00	1224 MAYETTE AVE	3	1.5	1833	14	--	--
Active	$1,695,000.00	1046 GLEN BROOK AVE	4	3	3859	15	--	--
Active	$1,598,000.00	2867 RICHLAND AVE	5	4+	3700	15	--	--
Active	$1,575,000.00	1267 COOLIDGE AVE	4	4+	2989	16	--	--
Active	$717,000.00	1436 CHERRY VALLEY DR	3	2.5	1400	16	--	--
Active	$1,699,000.00	2419 WESTGATE AVE	4	4+	3612	16	--	--
Active	$568,000.00	1350 BLEWETT AVE	3	2	1574	18	--	--
Active	$599,999.00	1583 CURTNER AVE	4	2	1696	19	--	--
Pending Show	$899,900.00	2102 NEWPORT AVE	3	2	2004	15	--	11/11/2011
Sold	$999,000.00	1269 DELMAS AVE	4	2.5	2601	--	$925,000.00	9/14/2009
Sold	$250,000.00	1781 ALMADEN RD	1	1	392	--	$228,000.00	8/18/2009

Almaden Valley School Boundaries

Tue, 18 Oct 2011 00:00:00 -0700

School boundaries can be a little confusing in Almaden Valley. If the home is located in the San Jose
Unified School District, the School Locator is a good way to find out what school your home is
associated with. Here are some boundary maps that can assist you when deciding on your new home,
as well as a few other valuable school sites:

Leland High

Pioneer High

Leigh High

Private school statistics

SAT scores by county and school district

API Scores

If you or someone you know is planning on buying or selling in Almaden in the near future,
contact me for a free home analysis and Maximum Home Value Audit.

Some Recent Almaden Activity

Tue, 18 Oct 2011 00:00:00 -0700

The median sales price for homes in ZIP code 95120 in San Jose from Jul 11 to Sep 11 was $805,000 based on 101 sales. Compared to the same period one year ago, the median sales price decreased 8.9%, or $79,000, and the number of sales decreased 5.6%. Average price per square foot for homes in 95120 was $376, a decrease of 6.7% compared to the same period last year. There are currently 114 resale and new homes in ZIP code 95120 , with 46 homes in the pre-foreclosure, auction, or bank-owned stages of the foreclosure process. The average listing price for homes for sale in 95120 was $1,024,367 for the week ending Oct 12, which represents a decrease of 1.9%, or $19,948, compared to the prior week.

If you would like a free, detailed analysis on your home, including a Maximum Home Value Audit, and how
my 28 Step Marketing Plan can help you, contact me at (408) 591-7778, and if you would like to purchase a home
in Almaden, this is really a great time, with rates low, and depending on the neighborhood, prices are have seen
decreases, yet not dramatically.

Status	List Price	Street Address	Beds	Baths	SF	DOM	Sale Price
Active	$915,000.00	1388 CAMINO ROBLES WAY	5	3	2673	0	--
Active	$729,000.00	6001 VERA CRUZ DR	5	2.5	2278	5	--
Active	$898,000.00	1489 ELSMAN CT	4	2.5	2024	6	--
Active	$848,000.00	5951 LARABEE CT	4	2.5	2008	11	--
Active	$639,800.00	5952 VIA MADERO DR	3	2	1670	11	--
Active	$868,888.00	6079 CASTELLO DR	4	2	2132	18	--
Active	$688,888.00	6260 MERIDIAN AVE	3	2	1657	27	--
Active	$946,000.00	1477 MONTEGO DR	5	2.5	2966	29	--
Active	$779,000.00	1334 ADDIEWELL PL	4	2.5	1997	35	--
Active	$778,000.00	6272 DESERT FLAME DR	4	2	1840	35	--
Active	$749,000.00	1309 ADDIEWELL PL	3	2	1657	38	--
Active	$949,000.00	1523 OAK CANYON DR	5	3	2760	75	--
Active	$639,000.00	6105 CECALA DR	4	2	2014	111	--
Active	$749,950.00	1572 PUERTO VALLARTA DR	3	2.5	1866	118	--
Active	$799,000.00	1451 KINSPORT LN	4	2.5	1845	150	--
Active	$679,988.00	6094 CRESTOAK CT	4	2	1677	158	--
Active	$750,000.00	6194 CALLE ESPERANZA	4	2.5	1974	242	--
Pending Release Clause	$520,000.00	6202 MERIDIAN AVE	3	2	1375	15	--
Pending Release Clause	$799,000.00	6003 MONTEVERDE DR	5	2.5	2278	169	--
Pending Release Clause	$699,000.00	1403 TORRINGTON CT	4	2.5	2008	365	--
Pending Release Clause	$791,000.00	6272 PASO LOS CERRITOS	4	2.5	1974	452	--
Pending Show	$730,000.00	1556 PUERTO VALLARTA DR	4	2.5	2013	2	--
Pending Show	$625,000.00	6288 PASO LOS CERRITOS	4	2.5	1974	16	--
Pending Show	$828,000.00	6185 SILBERMAN DR	4	2.5	2245	5	--
Pending Show	$699,900.00	6171 CALLE DEL CONEJO	4	2	1612	19	--
Pending Show	$749,000.00	6245 TWEEDHOLM CT	4	2.5	2651	34	--
Pending Show	$749,000.00	6411 FIREFLY DR	5	3	2711	58	--
Pending Show	$774,999.00	1295 VARGAS DR	4	2.5	2108	125	--
Pending Show	$749,950.00	6372 GONDOLA WAY	4	2.5	2651	248	--
Sold	$924,000.00	6427 MONTEGO CT	5	2.5	2624	7	$910,000.00
Sold	$869,000.00	1267 OAKGLEN WAY	5	2.5	2141	10	$839,000.00
Sold	$1,079,000.00	1603 DORCEY LN	5	3	3141	26	$1,043,000.00
Sold	$719,000.00	1352 VIA DE LOS REYES	4	2	1754	7	$730,000.00
Sold	$746,500.00	6097 CRESTOAK CT	4	2.5	2014	13	$756,000.00
Sold	$739,000.00	1549 MONTALBAN DR	4	2	1670	17	$737,000.00
Sold	$799,999.00	6079 KNOLL PARK CT	5	3	2128	26	$799,999.00
Sold	$868,000.00	5815 CORUMBA CT	4	2	1870	14	$850,000.00
Sold	$690,000.00	6081 CRESTOAK CT	3	2	1316	40	$677,500.00
Sold	$749,000.00	1255 CHRISMARA CT	3	2	1795	47	$725,000.00
Sold	$850,000.00	6308 FIREFLY DR	5	3	2012	16	$835,000.00
Sold	$729,000.00	6165 CECALA DR	3	2	1677	5	$695,000.00
Sold	$749,000.00	5848 CORUMBA CT	3	2.5	1858	3	$750,000.00
Sold	$719,000.00	6061 BURCHELL AVE	3	2	1819	37	$696,145.00
Sold	$869,000.00	5994 CRIMSON DR	4	2.5	2008	31	$869,000.00
Sold	$688,000.00	6199 CALLE DEL CONEJO	3	2	1645	23	$688,000.00
Sold	$725,000.00	6179 PASO LOS CERRITOS	3	2	1630	6	$728,000.00
Sold	$1,138,000.00	1412 VIA DEL LOS GRANDE	4	3.5	3003	8	$1,138,800.00
Sold	$809,000.00	1263 NANCARROW WAY	4	2	1997	90	$809,000.00
Sold	$848,000.00	1484 MONTEGO DR	4	2.5	2372	88	$805,000.00
Sold	$749,000.00	1411 REDMOND AVE	4	2.5	1977	65	$739,000.00
Sold	$828,000.00	1588 CAPITANCILLOS DR	3	2	1904	123	$820,000.00

TJ Martin/Jeffrey Fontana Parks New Tree Planting

Sat, 15 Oct 2011 00:00:00 -0700

What a great turn out today! We planted over 200 shrubs and bushes to help beautify our parks
and replace some of the trees that were removed by PG&E. It will be interesting to see the
changes in this area over the years!

Almaden Valley Today...

Sat, 08 Oct 2011 00:00:00 -0700

Another beautiful day here in Almaden Valley...

Is Giving Back Your Thing?

Wed, 21 Sep 2011 00:00:00 -0700

2011 End of Year Special:
Buy or Sell Your Home With Me, and I Will
Donate $100 Towards the Charity of Your Choice!

Contact me today at (408) 591-7778

Almaden Valley Market Update

Mon, 12 Sep 2011 00:00:00 -0700

Status	List Price	Street Address	Beds	Baths	Sq.Ft,	DOM	Sale Price	COE

Active	$749,000.00	1309 ADDIEWELL PL	3	2	1657	2	--	--
Active	$1,499,999.00	6580 GRAYSTONE MEADOW CIR	5	3	2719	3	--	--
Active	$799,000.00	957 MOUNT CARMEL DR	4	2	1879	3	--	--
Active	$734,999.00	964 REDMOND AVE	5	2.5	2255	4	--	--
Active	$1,299,000.00	6742 ELWOOD RD	5	3.5	3120	7	--	--
Active	$820,000.00	6085 MCABEE RD	3	2.5	1950	9	--	--
Active	$1,150,000.00	1214 VALLEY QUAIL CIR	4	3	3207	11	--	--
Active	$699,900.00	6171 CALLE DEL CONEJO	4	2	1612	12	--	--
Active	$865,000.00	6559 NORTHRIDGE DR	4	2.5	2415	14	--	--
Active	$2,368,000.00	7220 GLENVIEW DR	5	4+	5469	16	--	--
Active	$799,000.00	6458 OAKCREST DR	4	2	2063	20	--	--
Active	$849,888.00	1280 MOUNTAIN QUAIL CIR	3	2	1827	24	--	--
Active	$950,000.00	19191 ALMADEN RD	3	1	1000	27	--	--
Active	$749,000.00	6411 FIREFLY DR	5	3	2711	28	--	--
Active	$974,888.00	6362 FARM HILL WAY	4	3.5	3189	31	--	--
Active	$599,000.00	6281 CLOVERHILL DR	3	2	1125	32	--	--
Active	$710,000.00	6239 CLOVERHILL DR	4	2	1661	38	--	--
Active	$949,000.00	1523 OAK CANYON DR	5	3	2760	39	--	--
Active	$899,888.00	6222 MOJAVE DR	4	2.5	2323	42	--	--
Active	$974,800.00	7012 ELMSDALE DR	4	2	2167	44	--	--
Active	$1,100,000.00	19386 GRAYSTONE LN	4	2.5	2189	48	--	--
Active	$749,950.00	1572 PUERTO VALLARTA DR	3	2.5	1866	82	--	--
Active	$608,800.00	6078 HARVEST OAK WAY	3	2	1760	87	--	--
Active	$998,500.00	829 FIGWOOD CT	4	3	2216	87	--	--
Active	$1,750,000.00	6611 LEYLAND PARK DR	5	3.5	3341	88	--	--
Active	$1,650,000.00	7018 BURNSIDE DR	5	3.5	4213	88	--	--
Active	$834,500.00	1451 KINSPORT LN	4	2.5	1845	114	--	--
Active	$954,950.00	1475 NESBIT CT	4	2.5	2344	115	--	--
Active	$1,145,000.00	1151 QUAIL CREEK CIR	3	3	2372	116	--	--
Active	$799,900.00	6156 MOSS OAK WAY	4	2.5	2014	117	--	--
Active	$715,000.00	6094 CRESTOAK CT	4	2	1677	122	--	--
Active	$1,299,000.00	1290 MCABEE ESTATES PL	5	4+	3485	129	--	--
Active	$300,000.00	0 CINNABAR HILLS RD	1	1	600	131	--	--
Active	$2,450,000.00	6863 CASTLEROCK DR	5	4+	4600	131	--	--
Active	$1,239,000.00	1095 BARNES CT	4	3	3179	131	--	--
Active	$1,275,000.00	7113 RAICH DR	4	2.5	3256	147	--	--
Active	$1,099,000.00	1309 RIMROCK DR	3	2.5	2500	147	--	--
Active	$1,268,000.00	7062 MORECAMBE DR	5	3	3287	151	--	--
Active	$779,999.00	1470 MEDALLION DR	4	3	2710	156	--	--
Active	$1,199,000.00	6492 PFEIFFER RANCH RD	4	3	2477	167	--	--
Active	$799,000.00	6003 MONTEVERDE DR	5	2.5	2278	168	--	--
Pending	$1,098,000.00	6528 LITTLE FALLS DR	4	2.5	2250	11	--	10/14/2011
Pending	$869,000.00	1267 OAKGLEN WAY	5	2.5	2141	10	--	9/26/2011
Pending	$1,079,000.00	1603 DORCEY LN	5	3	3141	26	--	10/10/2011
Pending	$825,000.00	1152 WASHOE DR	4	2	2038	16	--	9/20/2011
Pending	$799,999.00	6079 KNOLL PARK CT	5	3	2128	26	--	9/20/2011
Pending	$868,000.00	5815 CORUMBA CT	4	2	1870	14	--	9/14/2011
Pending	$850,000.00	6308 FIREFLY DR	5	3	2012	16	--	9/28/2011
Pending	$1,499,000.00	1154 EAGLE CLIFF CT	4	3.5	2875	102	--	9/16/2011
Pending	$899,950.00	6866 GLENVIEW DR	4	3	2750	75	--	8/20/2011
Pending	$809,000.00	1263 NANCARROW WAY	4	2	1997	90	--	9/7/2011
Pending	$1,100,000.00	1107 BARTLETT CREEK CT	4	2.5	2966	156	--	10/3/2011
Pending	$650,000.00	1550 MONTEVAL LN	4	2.5	2033	164	--	8/26/2011
Pending	$679,000.00	5811 ANTIGUA DR	4	3	2319	240	--	9/30/2011
Pending	$839,000.00	6342 GONDOLA WAY	5	3	3684	467	--	8/31/2011
Pending Release Clause	$1,298,000.00	1143 RUGBY CT	5	3.5	3693	12	--	10/5/2011
Pending Release Clause	$1,895,000.00	18690 ROSALIND LN	5	4+	5343	8	--	10/28/2011
Pending Release Clause	$515,000.00	7291 MARTWOOD WAY	3	2	1345	21	--	11/18/2011
Pending Release Clause	$520,000.00	6202 MERIDIAN AVE	3	2	1375	15	--	10/31/2011
Pending Release Clause	$894,888.00	6679 DORENE PL	3	2	1901	39	--	9/30/2011
Pending Release Clause	$1,699,950.00	20701 LOST RANCH RD	5	3.5	4156	43	--	10/31/2011
Pending Release Clause	$724,999.00	5820 RECIFE WAY	4	2.5	2108	19	--	9/28/2011
Pending Release Clause	$659,000.00	6105 CECALA DR	4	2	2014	48	--	9/19/2011
Pending Release Clause	$949,000.00	1064 CROSSPOINT CT	5	3	3286	15	--	10/11/2011
Pending Release Clause	$880,000.00	1309 MOUNTAIN QUAIL CIR	3	3	2372	78	--	10/31/2011
Pending Release Clause	$899,000.00	6648 NEPTUNE CT	5	3	2450	62	--	9/16/2011
Pending Release Clause	$1,039,000.00	1687 VIA CAMPO VERDE	5	3	2642	129	--	10/20/2011
Pending Release Clause	$998,800.00	1313 RIMROCK DR	5	3	3565	96	--	9/13/2011
Pending Release Clause	$175,000.00	21431 BERTRAM RD	1	1	852	30	--	8/23/2011
Pending Release Clause	$699,000.00	1403 TORRINGTON CT	4	2.5	2008	365	--	10/31/2011
Pending Release Clause	$791,000.00	6272 PASO LOS CERRITOS	4	2.5	1974	452	--	10/25/2011
Pending Show	$779,000.00	793 PORTSWOOD CIR	3	2	1780	10	--	9/30/2011
Pending Show	$878,000.00	1136 WHITEMARSH CT	4	2	1809	25	--	9/26/2011
Pending Show	$746,500.00	6097 CRESTOAK CT	4	2.5	2014	13	--	9/29/2011
Pending Show	$1,195,000.00	1035 MOUNTAIN SHADOWS RD	4	2.5	2825	25	--	9/30/2011
Pending Show	$948,000.00	1188 MOUNTAIN QUAIL CIR	3	2.5	2405	53	--	10/17/2011
Pending Show	$1,799,500.00	1069 WOODVIEW PL	4	3	4100	52	--	10/14/2011
Pending Show	$690,000.00	6081 CRESTOAK CT	3	2	1316	40	--	10/3/2011
Pending Show	$749,000.00	1255 CHRISMARA CT	3	2	1795	47	--	9/30/2011
Pending Show	$1,448,000.00	7088 KINDRA HILL DR	5	4+	3686	51	--	10/4/2011
Pending Show	$669,000.00	1056 WALLACE DR	3	2	1423	83	--	10/4/2011
Pending Show	$564,888.00	6553 CAMDEN AVE	3	2	1716	87	--	9/19/2011
Pending Show	$1,215,000.00	1206 ROCKHAVEN DR	4	2.5	2618	125	--	10/19/2011
Pending Show	$1,675,000.00	6541 CRYSTAL SPRINGS DR	5	3.5	3836	120	--	10/21/2011
Pending Show	$1,798,000.00	1184 NIKULINA CT	3	3.5	4140	141	--	10/19/2011
Pending Show	$749,950.00	6372 GONDOLA WAY	4	2.5	2651	248	--	10/21/2011
Pending Show	$1,195,000.00	1126 BARNES LN	4	2	1113	363	--	9/10/2011
Sold	$1,150,000.00	1305 GOLF CREEK DR	4	2.5	2596	2	$1,150,000.00	8/30/2011
Sold	$719,000.00	1352 VIA DE LOS REYES	4	2	1754	7	$730,000.00	9/9/2011
Sold	$739,000.00	1549 MONTALBAN DR	4	2	1670	17	$737,000.00	8/30/2011
Sold	$979,000.00	721 GRIMSWOOD CT	4	3	2250	10	$955,000.00	9/7/2011
Sold	$465,000.00	1085 MINORU DR	2	2	956	4	$465,000.00	8/30/2011
Sold	$899,000.00	1220 WASHOE DR	5	2.5	2558	6	$896,000.00	8/24/2011
Sold	$739,000.00	6409 VEGAS DR	4	2	1661	6	$735,500.00	8/22/2011
Sold	$1,138,000.00	6531 GILLIS DR	4	2.5	2492	4	$1,160,000.00	8/17/2011
Sold	$1,115,000.00	7202 EMAMI DR	5	3.5	3015	12	$1,046,500.00	8/23/2011
Sold	$655,000.00	6358 VEGAS DR	4	2	1661	5	$678,000.00	8/30/2011
Sold	$1,319,950.00	1108 STERLING GATE DR	4	4+	3424	11	$1,285,000.00	8/25/2011
Sold	$919,000.00	1228 MOUNTAIN QUAIL CIR	3	2.5	2199	42	$905,000.00	8/26/2011
Sold	$699,000.00	5823 BRASILIA WAY	4	2	1966	50	$677,500.00	9/6/2011
Sold	$649,950.00	5858 ANTIGUA DR	4	2.5	1870	8	$660,000.00	8/19/2011
Sold	$899,800.00	6578 MCABEE RD	4	2.5	2299	71	$880,000.00	9/2/2011
Sold	$925,000.00	1023 NIGHTFALL CT	4	2.5	2240	76	$900,000.00	8/30/2011
Sold	$898,000.00	1153 CALLE VENTURA	3	2	1949	62	$867,300.00	8/15/2011
Sold	$799,000.00	1151 PARMA DR	4	2.5	2208	57	$775,000.00	8/16/2011
Sold	$895,000.00	1119 EL PRADO DR	4	2.5	2568	71	$875,000.00	8/16/2011
Sold	$1,750,000.00	6740 LOOKOUT BD	5	3	3141	76	$1,610,000.00	8/25/2011
Sold	$1,050,000.00	6528 PFEIFFER RANCH RD	4	2.5	2416	92	$950,000.00	8/16/2011
Sold	$1,198,888.00	1107 STARWOOD CT	3	2.5	2678	90	$1,155,000.00	9/2/2011
Sold	$711,625.00	6291 VEGAS DR	4	3	1989	101	$715,000.00	8/22/2011
Sold	$894,500.00	6874 GLENVIEW DR	4	2	1912	--	$855,000.00	8/23/2011
Sold	$335,000.00	21790 BERTRAM RD	2	1	908	148	$250,000.00	8/30/2011
Sold	$638,245.00	1076 CLOVERBROOK DR	5	2	1405	187	$630,000.00	8/31/2011
Sold	$799,950.00	6379 FIREFLY DR	5	3	2350	259	$756,000.00	8/15/2011

Friday's Story; A Good Lesson

Fri, 02 Sep 2011 00:00:00 -0700

Today's story is about a clerk...

I learned to love you today.

You're miserable and probably one of the rudest people I've ever come across.

When I approach you, you turn away and pretend that I am not there, until you're ready.

I have tried a thousand times to make you smile and you have tried a thousand times not to.

I have dreaded even having to deal with you. I even tried coming at another time only to find you there at all hours.

The hard, staid, look on your face remains unchanged no matter what day it is, what time it is or even what season.

A "Beautiful day!" gets a moan.

"Hello, how are you today?" always returns "The same."

I have given up on you, I have been angered by you, I have even thought about complaining to the manager, but didn't.

Then one day I caught myself acting just like you and realized that I must stop.

I finally resolved myself to the fact that you are who you are and I cannot change that.

You are a fact of my life and I must learn to deal with it.

You made me.

The one day that I permitted myself to return the emptiness, rude behavior, terrible attitude and silent treatment, you chose to say something.

I approached the checkout and you said, "Are you Okay?" I was stunned. I could actually feel my brow, my entire face scrunch up apparently angry that you would ask.

"Am I okay?" I said in disbelief.

"Yes." you replied. "You are usually so upbeat and chipper."

I stood in this dream-like state confused by what was going on.

You looked at me and said, "I depend on you to lift my spirits every time you come in. I work three jobs, my bills are piling up, my kids need clothes for school, my husband left me and three weeks later I found out I have cancer."

I was speechless.

"Now you come in with this attitude today," she said.

I actually apologized.

I never considered that you were much more than a clerk. I never tried to understand that behind that face was personal pain, life challenges and loss.

Sure you should learn to separate work and life, but sometimes life digs in, hurts, and you end up wearing it like an ugly dress. Fits, but no one wants to see it.

Knowing now how difficult your life is I will see you through the eyes of love.

Love is more than romantic. Love is compassionate. Love is kind.Love is forgiving. Love is seeing beyond the pain.

"I learned to love you today."

Author;Bob Perks

Disaster Looms in Almaden....

Fri, 02 Sep 2011 00:00:00 -0700

So, our time has come. What is the one of the busiest intersections in the south bay
is about to become the worst. Walmart in Almaden? And at THAT location? (Almaden Expressway
and 85) Are they serious?

Get your cameras out. The photos may not be as thought-provoking as the latest Walmart
shopper photos we've seen, but it may be our only consolation, and fodder for Facebook. Sigh.....

San Jose, The City With The Longest Life Span

Thu, 21 Jul 2011 00:00:00 -0700

The Centers for Disease Control has rated San Jose has the city with the longest life span.
Maybe I will stay after all... :)

Read the article

Almaden's Quicksilver Lake Today...

Sun, 17 Jul 2011 00:00:00 -0700

Beautiful day for a hike in Almaden's Quicksliver Park with Brandi, one of the resident
swimmers and tree savers. Many residents were enjoying this Sunday....

http://www.sccgov.org/SCC/docs/Parks%20and%20Recreation,%20Department%20of%20(DEP)/AlmadenQuicksilverGuideMap.pdf

Beautiful Day for a Hike at Quicksilver Park

Sun, 17 Jul 2011 00:00:00 -0700

Perfect day for a hike in the 'backyard'. Many residents were enjoying today, along
with Brandi (Almaden Treesaver Extrordinaire), the resident lake swimmer

Willow Glen Market Update

Sat, 02 Jul 2011 00:00:00 -0700

An abundance of inventory and activity here in Willow Glen! Out of 227 listings of single family homes, 161 are
active, 59 pending, and 7 sold since June. Average price for a single family home is currently $655,285.

All this bodes well for buyers.

Below are only a few of these listings. For a full report, or to view a home, contact Lisa at (408) 591-7778.

Status	List Price	List Date	Street Address	Bed	Bath	Sq Ft	DOM	Sale Price	COE
Active	$1,980,000.00	6/30/2011	1143 NEVADA AVE	5	4+	4800	2	--	--
Active	$1,250,000.00	6/28/2011	1301 GLEN EYRIE AVE	5	2.5	2528	4	--	--
Active	$979,000.00	6/27/2011	1445 MINNESOTA AVE	3	2.5	2245	5	--	--
Active	$565,000.00	6/27/2011	2830 BRIARWOOD DR	3	2	1376	5	--	--
Active	$369,900.00	6/20/2011	525 WILLOW ST	2	1	900	12	--	--
Active	$1,299,000.00	6/14/2011	2547 PLUMMER AVE	6+	3	2520	18	--	--
Active	$1,299,000.00	6/6/2011	1172 NEVADA AVE	3	2	1344	26	--	--
Active	$499,000.00	6/3/2011	1002 SPENCER AVE	3	2	1184	29	--	--
Active	$599,000.00	5/26/2011	481 WILLOW ST	5	4+	2444	37	--	--
Active	$479,900.00	5/13/2011	1851 MERIDIAN AVE	3	2	1429	50	--	--
Active	$1,649,000.00	4/29/2011	2867 RICHLAND AVE	5	4+	3700	64	--	--
Active	$535,000.00	4/27/2011	1404 CARMEL DR	3	1.5	1569	66	--	--
Active	$399,900.00	4/20/2011	1761 MERIDIAN AVE	3	2	1486	73	--	--
Active	$1,199,950.00	4/14/2011	2054 BOOKSIN AVE	4	2	1568	79	--	--
Active	$769,999.00	4/14/2011	1451 HUSTED AVE	4	3	2437	79	--	--
Active	$598,000.00	3/17/2011	1146 WILLOW GLEN WAY	2	1	1271	107	--	--
Active	$550,000.00	3/15/2011	477 MINNESOTA AVE	3	2	1486	109	--	--
Active	$499,000.00	3/5/2011	581 MINNESOTA AVE	3	2	1699	119	--	--
Active	$425,000.00	3/2/2011	1105 LINCOLN CT	2	1	1058	122	--	--
Active	$599,000.00	1/18/2011	561 BROOKS AVE	2	2	1005	165	--	--
Active	$665,000.00	1/13/2011	1668 HUSTED AVE	4	2	1678	170	--	--
Active	$1,100,000.00	3/4/2010	1679 DRY CREEK RD	4	2.5	2278	485	--	--
Pending	$675,000.00	6/15/2011	2029 COASTLAND AVE	3	1	1050	14	--	7/28/2011
Pending	$1,199,999.00	6/8/2011	1196 KOTENBERG AVE	4	4+	2735	5	--	7/19/2011
Pending	$699,000.00	5/13/2011	1099 GLEN ECHO AVE	3	2	1477	29	--	7/8/2011
Pending	$2,495,000.00	2/28/2011	1751 CAMPBELL AVE	4	4+	5288	107	--	7/15/2011
Pending Release Clause	$450,000.00	1/6/2011	711 WILLOW GLEN WAY	2	1	1223	165	--	9/18/2011
Pending Show	$525,000.00	6/8/2011	1577 HUSTED AVE	3	2	1214	9	--	7/11/2011
Pending Show	$998,000.00	6/6/2011	1190 CURTISS AVE	4	3.5	2418	11	--	7/22/2011
Pending Show	$575,000.00	5/11/2011	1005 SPENCER AVE	3	2	1248	27	--	7/5/2011
Pending Show	$585,000.00	4/6/2011	2151 BELLO AVE	2	2	1178	72	--	7/14/2011
Pending Show	$1,399,000.00	3/24/2011	2355 RICHLAND AVE	5	4+	3565	93	--	7/25/2011
Pending Show	$999,000.00	2/23/2011	2011 LINCOLN AVE	4	3.5	3341	122	--	9/30/2011
Sold	$730,000.00	7/1/2011	1264 CAMINO PABLO	2	1.5	1708	0	$730,000.00	7/1/2011
Sold	$735,000.00	5/17/2011	2150 NEWPORT AVE	3	2	1400	18	$750,000.00	6/14/2011
Sold	$639,000.00	5/10/2011	1996 HICKS AVE	3	2	1551	23	$635,000.00	6/28/2011
Sold	$780,000.00	5/4/2011	1134 JANIS WAY	3	2	1862	47	$744,000.00	6/20/2011
Sold	$587,900.00	3/15/2011	1592 HUSTED AVE	3	2	1474	78	$575,000.00	6/7/2011
Sold	$999,000.00	9/2/2009	1269 DELMAS AVE	4	2.5	2601	--	$925,000.00	9/14/2009
Sold	$250,000.00	8/25/2008	1781 ALMADEN RD	1	1	392	--	$228,000.00	8/18/2009

Current Almaden Market Activity

Sat, 02 Jul 2011 00:00:00 -0700

Steady activity here in Almaden. out of 149 listings, 118 are active, 23 pending and 8 sold since June.
Current average sales price is $655,285 with 69 days on market.

Below are a few of these listings. For a complete report, or if you would like to view a home, contact me at (408) 591-7778.

Status	List Price	Street Address	Bed	Bath	Sq Ft	DOME	Sale Price	COE
Active	$1,980,000.00	1143 NEVADA AVE	5	4+	4800	2	--	--
Active	$1,250,000.00	1301 GLEN EYRIE AVE	5	2.5	2528	4	--	--
Active	$979,000.00	1445 MINNESOTA AVE	3	2.5	2245	5	--	--
Active	$565,000.00	2830 BRIARWOOD DR	3	2	1376	5	--	--
Active	$369,900.00	525 WILLOW ST	2	1	900	12	--	--
Active	$1,299,000.00	2547 PLUMMER AVE	6+	3	2520	18	--	--
Active	$1,299,000.00	1172 NEVADA AVE	3	2	1344	26	--	--
Active	$499,000.00	1002 SPENCER AVE	3	2	1184	29	--	--
Active	$599,000.00	481 WILLOW ST	5	4+	2444	37	--	--
Active	$479,900.00	1851 MERIDIAN AVE	3	2	1429	50	--	--
Active	$1,649,000.00	2867 RICHLAND AVE	5	4+	3700	64	--	--
Active	$535,000.00	1404 CARMEL DR	3	1.5	1569	66	--	--
Active	$399,900.00	1761 MERIDIAN AVE	3	2	1486	73	--	--
Active	$1,199,950.00	2054 BOOKSIN AVE	4	2	1568	79	--	--
Active	$769,999.00	1451 HUSTED AVE	4	3	2437	79	--	--
Active	$598,000.00	1146 WILLOW GLEN WAY	2	1	1271	107	--	--
Active	$550,000.00	477 MINNESOTA AVE	3	2	1486	109	--	--
Active	$499,000.00	581 MINNESOTA AVE	3	2	1699	119	--	--
Active	$425,000.00	1105 LINCOLN CT	2	1	1058	122	--	--
Active	$599,000.00	561 BROOKS AVE	2	2	1005	165	--	--
Active	$665,000.00	1668 HUSTED AVE	4	2	1678	170	--	--
Active	$1,100,000.00	1679 DRY CREEK RD	4	2.5	2278	485	--	--
Pending	$675,000.00	2029 COASTLAND AVE	3	1	1050	14	--	7/28/2011
Pending	$1,199,999.00	1196 KOTENBERG AVE	4	4+	2735	5	--	7/19/2011
Pending	$699,000.00	1099 GLEN ECHO AVE	3	2	1477	29	--	7/8/2011
Pending	$2,495,000.00	1751 CAMPBELL AVE	4	4+	5288	107	--	7/15/2011
Pending Release Clause	$450,000.00	711 WILLOW GLEN WAY	2	1	1223	165	--	9/18/2011
Pending Show	$525,000.00	1577 HUSTED AVE	3	2	1214	9	--	7/11/2011
Pending Show	$998,000.00	1190 CURTISS AVE	4	3.5	2418	11	--	7/22/2011
Pending Show	$575,000.00	1005 SPENCER AVE	3	2	1248	27	--	7/5/2011
Pending Show	$585,000.00	2151 BELLO AVE	2	2	1178	72	--	7/14/2011
Pending Show	$1,399,000.00	2355 RICHLAND AVE	5	4+	3565	93	--	7/25/2011
Pending Show	$999,000.00	2011 LINCOLN AVE	4	3.5	3341	122	--	9/30/2011
Sold	$730,000.00	1264 CAMINO PABLO	2	1.5	1708	0	$730,000.00	7/1/2011
Sold	$735,000.00	2150 NEWPORT AVE	3	2	1400	18	$750,000.00	6/14/2011
Sold	$639,000.00	1996 HICKS AVE	3	2	1551	23	$635,000.00	6/28/2011
Sold	$780,000.00	1134 JANIS WAY	3	2	1862	47	$744,000.00	6/20/2011
Sold	$587,900.00	1592 HUSTED AVE	3	2	1474	78	$575,000.00	6/7/2011
Sold	$999,000.00	1269 DELMAS AVE	4	2.5	2601	--	$925,000.00	9/14/2009
Sold	$250,000.00	1781 ALMADEN RD	1	1	392	--	$228,000.00	8/18/2009

Downtown San Jose Market Activity

Sat, 02 Jul 2011 00:00:00 -0700

With 101 listings, listings in downtown San Jose (95110, 95112) have seen somewhat
of a reduction in inventory with 35 pending sales and 2 homes sold since June.
Current average sales price is $392,500, however the sought-after historical Naglee Park
neighborhood, which is still the gold standard for downtown San Jose is still commanding
prices in the $1M range for homes with larger square footage.

Downtown has seen more short sale and bank-owned acivity, accounting for the reduction in price values.

Contact Lisa at (408) 591-7778 for a complete report or your neighborhood or to view a home.

Status

List Price

Street Address

Bed

Bath

Sq Ft

DOME

Sale Price

COE

Active

$325,000.00

85 FLOYD ST

981

Active

$412,000.00

153 N 14TH ST

1656

Active

$399,900.00

526 N 15TH ST

1044

Active

$398,000.00

927 N 4TH ST

1.5

1240

Active

$399,950.00

197 N 9TH ST

1760

Active

$929,900.00

699 S 14TH ST

2556

Active

$300,000.00

190 HAWTHORNE WAY

748

Active

$239,900.00

307 E WILLIAM ST

832

Active

$219,900.00

98 W HUMBOLDT ST

732

Active

$1,349,915.00

341 S 15TH ST

3400

Active

$201,300.00

476 E SAINT JOHN ST

800

Active

$559,000.00

1391 ARNOLD AVE

2.5

1841

Active

$329,000.00

127 N 17TH ST

729

Active

$799,000.00

118 S 13TH ST

2.5

3072

Active

$380,000.00

1127 VINE ST

1645

Active

$280,000.00

455 E SAN SALVADOR ST

864

Active

$399,500.00

240 E HEDDING ST

922

Active

$381,500.00

1008 S 12TH ST

1690

Active

$250,000.00

658 N 14TH ST

1150

Active

$285,000.00

99 OAK ST

780

Active

$345,888.00

39 N 10TH ST

1056

Active

$325,000.00

895 N BAYSHORE RD

2.5

1252

Active

$350,000.00

1139 S 11TH ST

1064

Active

$1,050,000.00

450 S 13TH ST

3019

Active

$698,950.00

925 E JULIAN ST

2995

Active

$898,000.00

580 S 6TH ST

Active

$279,000.00

374 N 18TH ST

984

Active

$699,000.00

457 N 3RD ST

2770

Active

$250,000.00

854 N 16TH ST

816

Active

$650,000.00

1006 N 2ND ST

2.5

2052

Active

$899,000.00

131 S 15TH ST

2.5

2133

Active

$999,000.00

298 S 15TH ST

2352

Active

$291,000.00

152 N 14TH ST

1310

Active

$429,888.00

381 N 11TH ST

984

Active

$269,900.00

859 N 16TH ST

1330

Active

$549,000.00

450 N 11TH ST

1293

Active

$240,000.00

126 E HUMBOLDT ST

1208

Active

$269,000.00

336 WILLOW ST

1397

Active

$789,000.00

576 N 15TH ST

3.5

2300

Active

$560,000.00

768 E TAYLOR ST

1.5

1680

Active

$366,330.00

366 N 20TH ST

1340

Active

$219,000.00

126 N 12TH ST

484

Active

$230,000.00

686 VINE ST

904

Active

$499,888.00

829 S 7TH ST

1591

Active

$445,000.00

642 WOODLAND TE

2.5

2063

Active

$250,000.00

675 N 13TH ST

1463

Active

$324,900.00

440 E REED ST

1508

Active

$229,000.00

1015 N 12TH ST

923

Active

$290,000.00

390 S 10TH ST

905

Active

$220,000.00

428 N 11TH ST

1148

Active

$545,000.00

1235 LOCUST ST

3200

100

Active

$689,900.00

1002 N 5TH ST

1978

101

Active

$449,000.00

447 S 11TH ST

1084

104

Active

$165,000.00

327 MARTHA ST

774

116

Active

$325,000.00

352 N 4TH ST

1232

124

Active

$249,000.00

550 N 21ST ST

585

130

Active

$429,000.00

673 S 11TH ST

2.5

1922

135

Active

$849,900.00

589 S 15TH ST

1922

149

Active

$249,000.00

1326 VINE ST

884

164

Active

$379,000.00

884 N 15TH ST

1059

233

Active

$300,000.00

317 E JULIAN ST

1626

244

Active

$599,000.00

26 S 12TH ST

1.5

2400

254

Active

$225,000.00

168 FLOYD ST

992

256

Active

$185,999.00

684 E JULIAN ST

1024

271

Pending

$220,000.00

735 LOCUST ST

900

8/31/2011

Pending

$279,999.00

1133 PLUM ST

1111

8/15/2011

Pending

$401,500.00

502 S 5TH ST

1.5

1940

7/15/2011

Pending

$395,000.00

680 N 17TH ST

1144

7/22/2011

Pending

$500,999.00

615 WOODLAND TE

2232

8/31/2011

Pending

$589,990.00

694 N 9TH ST

2.5

1961

7/15/2011

Pending

$429,888.00

398 W SAN FERNANDO ST

1920

9/1/2011

Pending

$225,000.00

533 SANTA ANA AVE

746

474

8/27/2011

Pending Release Clause

$629,000.00

873 E EMPIRE ST

2278

7/29/2011

Pending Release Clause

$399,000.00

533 N 16TH ST

1.5

1180

9/25/2011

Pending Release Clause

$349,000.00

674 E EMPIRE ST

1001

7/22/2011

Pending Release Clause

$329,000.00

878 N 15TH ST

1400

8/31/2011

Pending Release Clause

$300,000.00

1225 LOCUST ST

1490

8/13/2011

Pending Release Clause

$479,000.00

766 S 12TH ST

2.5

2232

8/26/2011

Pending Release Clause

$190,000.00

1348 VINE ST

831

7/15/2011

Pending Release Clause

$275,000.00

731 N 12TH ST

1449

9/17/2011

Pending Release Clause

$320,000.00

1343 KEONCREST AVE

1006

8/17/2011

Pending Release Clause

$354,900.00

1124 N 2ND ST

1338

7/20/2011

Pending Release Clause

$249,900.00

45 FLOYD ST

918

8/5/2011

Pending Release Clause

$449,000.00

786 S S 12TH ST

2.5

1904

7/29/2011

Pending Release Clause

$278,000.00

228 E JULIAN ST

1570

8/29/2011

Pending Release Clause

$499,000.00

825 N 2ND ST

2.5

2591

8/22/2011

Pending Release Clause

$335,000.00

434 S 10TH ST

1254

104

7/22/2011

Pending Release Clause

$230,000.00

845 E SAINT JAMES ST

990

127

8/12/2011

Pending Release Clause

$270,000.00

1469 SANBORN AVE

1580

220

7/9/2011

Pending Show

$239,900.00

1017 LOCUST ST

1220

7/1/2011

Pending Show

$649,000.00

349 S 13TH ST

1632

8/25/2011

Pending Show

$350,000.00

575 N 17TH ST

1.5

1400

7/22/2011

Pending Show

$359,900.00

510 N 15TH ST

1080

7/22/2011

Pending Show

$272,500.00

664 N 19TH ST

1370

8/9/2011

Pending Show

$300,900.00

1015 S 9TH ST

1524

7/8/2011

Pending Show

$629,000.00

186 N 15TH ST

2.5

2024

7/20/2011

Pending Show

$589,000.00

305 S 13TH ST

1584

7/17/2011

Pending Show

$379,800.00

702 E MISSION ST

1480

104

7/29/2011

Pending Show

$1,099,000.00

525 S 6TH ST

3580

423

8/5/2011

Sold

$475,000.00

652 VALLEY OAK TE

1816

$475,000.00

12/17/2009

Sold

$310,00

June in Alaska Maybe!

Fri, 03 Jun 2011 00:00:00 -0700

Going to fire up the gas fireplace tonight. Pleeeeeaaase.....

Almaden Market Update

Fri, 03 Jun 2011 00:00:00 -0700

Great activity in Almaden. 49 pending sales, 17 closed sales since May 15th, and 60 activie listings under $1M.
A healthy market. My clients' listing on Via de los Reyes will be closing next week.
Average sales price for all of Almaden is $945,357 as of May 15th.

Contact me for an analysis on your home at (408) 591-7778.

Status	List Price	Street Address	BED	BATH	SF	DOM	Sale Price	COE
Pending	$929,000.00	1198 CHATEAU DR	4	2.5	2569	7	--	6/13/2011
Pending	$800,000.00	5818 PONCE CT	4	2.5	2108	6	--	6/29/2011
Pending	$799,000.00	878 HAMPSWOOD WAY	4	2	1797	7	--	6/2/2011
Pending	$848,000.00	6191 CLOVERHILL DR	4	2	2262	16	--	6/17/2011
Pending	$999,990.00	1369 VIA DE LOS REYES	5	3.5	2970	13	--	6/3/2011
Pending	$759,000.00	6942 VILLAGEWOOD WAY	3	2	1649	22	--	6/7/2011
Pending	$420,000.00	21248 MCKEAN RD	2	1	1163	0	--	7/30/2011
Pending	$989,000.00	1308 MOUNTAIN QUAIL CIR	4	2.5	2637	7	--	6/3/2011
Pending	$759,999.00	6527 SPRINGPATH LN	4	2.5	2035	65	--	7/30/2011
Pending	$695,000.00	6922 RANDOL CREEK DR	3	2	1604	81	--	6/10/2011
Pending	$775,000.00	815 GROVEWOOD CT	4	2	1797	58	--	6/3/2011
Pending	$899,900.00	6593 SPRINGPATH LN	5	3	2450	157	--	6/8/2011
Pending	$650,000.00	1550 MONTEVAL LN	4	2.5	2033	164	--	6/24/2011
Pending	$960,000.00	20415 HUNTERS HILL RD	4	2.5	2562	133	--	7/31/2011
Pending	$820,000.00	6272 PASO LOS CERRITOS	4	2.5	1974	354	--	7/19/2011
Pending Release Clause	$965,000.00	6567 WHITBOURNE DR	5	3	2450	8	--	6/24/2011
Pending Release Clause	$725,000.00	5951 LARABEE CT	4	2.5	2008	15	--	7/25/2011
Pending Release Clause	$899,000.00	6636 MOUNT ROYAL DR	4	2.5	2323	6	--	6/17/2011
Pending Release Clause	$950,000.00	21550 SHILLINGSBURG AVE	3	3	1641	8	--	6/30/2011
Pending Release Clause	$899,950.00	6866 GLENVIEW DR	4	3	2286	21	--	8/23/2011
Pending Release Clause	$775,000.00	6574 SKYFARM DR	4	2.5	2181	12	--	7/8/2011
Pending Release Clause	$639,000.00	6292 VEGAS DR	3	2	1468	9	--	5/31/2011
Pending Release Clause	$689,000.00	6517 KOREMATSU CT	3	2.5	2035	3	--	5/20/2011
Pending Release Clause	$719,000.00	6576 CAMDEN AVE	4	2.5	2050	98	--	7/1/2011
Pending Release Clause	$734,900.00	1715 MANITOU CT	4	2.5	2008	110	--	6/30/2011
Pending Release Clause	$899,999.00	1377 CAMINO ROBLES WAY	5	2.5	3374	4	--	6/30/2011
Pending Release Clause	$999,000.00	1103 PORTO ALEGRE PL	4	3	3508	61	--	6/3/2011
Pending Release Clause	$900,000.00	6354 EL PASEO DR	5	3.5	3283	171	--	8/15/2011
Pending Release Clause	$675,000.00	1403 TORRINGTON CT	4	2.5	2008	141	--	6/8/2011
Pending Release Clause	$799,950.00	6379 FIREFLY DR	5	3	2350	259	--	6/14/2011
Pending Release Clause	$909,000.00	1121 QUEENSBRIDGE WAY	3	2.5	2565	303	--	6/12/2011
Pending Release Clause	$839,000.00	6342 GONDOLA WAY	5	3	3684	467	--	6/30/2011
Pending Show	$700,000.00	6264 LILLIAN WAY	3	2	1468	6	--	6/21/2011
Pending Show	$885,000.00	6511 LITTLE FALLS DR	4	2.5	2039	6	--	6/21/2011
Pending Show	$929,000.00	1164 MOUNTAIN QUAIL CIR	3	2.5	2199	8	--	6/20/2011
Pending Show	$879,000.00	5996 CROSSVIEW CT	4	2	2044	7	--	6/30/2011
Pending Show	$868,000.00	1242 PERALTA DR	5	3.5	2420	23	--	7/1/2011
Pending Show	$798,000.00	6918 GLENVIEW DR	4	2	1742	13	--	6/30/2011
Pending Show	$729,000.00	954 REDMOND AVE	4	2	1859	11	--	6/3/2011
Pending Show	$969,000.00	1263 BIG TALK CT	5	3	2470	29	--	6/24/2011
Pending Show	$759,000.00	6593 TAM OSHANTER DR	4	2	1795	34	--	7/6/2011
Pending Show	$924,988.00	6845 LENWOOD WAY	4	3	1974	40	--	6/24/2011
Pending Show	$665,000.00	6202 VIA DE ADRIANNA	4	2	1629	9	--	6/15/2011
Pending Show	$819,000.00	1675 VIA CAMPO VERDE	3	2.5	1820	17	--	6/6/2011
Pending Show	$849,000.00	6419 FIREFLY DR	4	2.5	2651	16	--	6/3/2011
Pending Show	$824,999.00	1470 MEDALLION DR	4	3	2710	47	--	6/13/2011
Pending Show	$949,900.00	1143 LONE PINE LN	4	2.5	2928	79	--	6/30/2011
Pending Show	$828,000.00	1588 CAPITANCILLOS DR	3	2	1904	109	--	6/23/2011
Sold	$645,000.00	1058 WALLACE DR	3	2	1423	5	$550,000.00	5/27/2011
Sold	$699,000.00	1034 FLEETWOOD DR	3	2	1508	8	$730,000.00	5/19/2011
Sold	$848,000.00	5835 MEANDER DR	4	2.5	2008	10	$837,000.00	6/2/2011
Sold	$819,000.00	6683 MOUNT PAKRON DR	4	2	1898	6	$825,000.00	5/27/2011
Sold	$989,000.00	737 DALEWOOD CT	4	3	2250	8	$975,000.00	5/24/2011
Sold	$910,000.00	1732 VIA CORTINA	4	2.5	2061	13	$880,000.00	5/20/2011
Sold	$980,000.00	6184 FRANCISCAN WAY	4	2.5	2792	51	$934,500.00	6/3/2011
Sold	$839,000.00	1364 CORTE BONITA	4	2.5	1974	19	$800,000.00	5/20/2011
Sold	$967,755.00	6239 MOJAVE DR	5	3	2821	51	$950,000.00	5/31/2011
Sold	$979,000.00	6358 MOJAVE DR	6+	3	2550	23	$968,000.00	5/16/2011
Sold	$929,000.00	1441 CUERNAVACA CT	5	2.5	2624	52	$919,000.00	5/20/2011
Sold	$949,000.00	738 MILLSWOOD CT	5	3	2465	47	$949,000.00	5/26/2011
Sold	$899,900.00	6567 HAMPTON DR	4	2.5	1707	50	$900,000.00	5/20/2011
Sold	$899,888.00	1028 RENEE CT	4	2	2501	136	$895,000.00	5/20/2011
Sold	$788,000.00	1482 REDMOND AVE	5	2.5	2278	170	$765,000.00	6/1/2011
Sold	$949,000.00	1070 HEDGECROFT PL	4	2.5	2240	164	$920,000.00	5/20/2011
Sold	$819,000.00	1385 VIA DE LOS REYES	4	2.5	2050	142	$800,000.00	5/27/2011

Willow Glen Market Update

Fri, 03 Jun 2011 00:00:00 -0700

Wow, quite a bit of activity in this neighborhood!

208 active listings, 95 pending sales and 40 closed sales since May 15th with an average sales price
of $814,172. Below are closed listings as of May 15th.

Contact me at (408) 591-7778 for a detailed analysis on your home.

Sold	$480,000.00	943 WREN DR	3	2	1512	2	$500,000.00	6/1/2011
Sold	$689,000.00	1540 DE ANZA WAY	3	2	1859	8	$680,000.00	5/16/2011
Sold	$825,000.00	1635 EVERETT AVE	3	2	1547	2	$830,000.00	5/24/2011
Sold	$629,000.00	1025 LAURIE AVE	2	1	1265	8	$629,000.00	5/17/2011
Sold	$1,249,000.00	2524 GERALD WAY	4	3	2670	10	$1,245,000.00	5/26/2011
Sold	$869,000.00	2140 JONATHAN AVE	3	2	1577	15	$842,000.00	5/26/2011
Sold	$810,000.00	2563 PARK WILSHIRE DR	4	2.5	2191	32	$808,000.00	6/2/2011
Sold	$469,000.00	2390 AZEVEDO PY	2	2.5	1690	8	$462,000.00	5/16/2011
Sold	$769,000.00	2798 LANTZ AVE	4	2.5	1930	9	$770,000.00	5/16/2011
Sold	$1,195,000.00	2192 NORTHAMPTON DR	4	2.5	2347	16	$1,180,000.00	5/25/2011
Sold	$794,450.00	1591 PHANTOM AVE	3	2.5	2132	31	$794,950.00	6/1/2011
Sold	$1,168,000.00	1745 WILLOW CREEK CT	4	2.5	2797	46	$1,205,000.00	5/26/2011
Sold	$659,000.00	434 SNYDER AVE	2	2	1550	29	$625,000.00	5/18/2011
Sold	$589,000.00	925 EL RIO DR	3	2	1923	31	$546,000.00	5/25/2011
Sold	$739,950.00	1952 ELDEN DR	4	2	1760	47	$718,000.00	5/27/2011
Sold	$938,888.00	1846 DRY CREEK RD	4	2.5	2243	31	$930,000.00	5/19/2011
Sold	$1,248,000.00	2039 HARMIL WAY	4	2.5	2762	42	$1,200,000.00	5/19/2011
Sold	$645,000.00	3063 RUBINO CIR	4	2.5	1848	46	$620,000.00	5/23/2011
Sold	$759,000.00	1127 TELFER AVE	3	2	1400	35	$750,000.00	5/17/2011
Sold	$775,000.00	2499 BOOKSIN AVE	3	2	1523	33	$760,000.00	5/16/2011
Sold	$1,345,000.00	1789 COTTLE AVE	5	4+	2901	41	$1,310,000.00	5/24/2011
Sold	$649,000.00	1491 KOCH LN	3	2	1713	23	$680,000.00	5/20/2011
Sold	$999,999.00	1000 GEORGIA KATE PL	4	4+	2534	52	$945,000.00	5/24/2011
Sold	$710,000.00	1814 COMSTOCK LN	5	2.5	2191	25	$718,000.00	5/27/2011
Sold	$829,000.00	1021 PINE AVE	3	2	1702	76	$725,000.00	5/18/2011
Sold	$522,500.00	281 ASCENTE COMMON	3	2.5	1937	7	$515,000.00	5/31/2011
Sold	$675,000.00	1721 MOROCCO DR	4	3	1986	21	$660,000.00	5/27/2011
Sold	$499,000.00	370 ASCENTE	3	2.5	1951	6	$500,000.00	5/16/2011
Sold	$445,000.00	514 HULL AVE	2	1	1370	105	$410,000.00	5/31/2011
Sold	$675,000.00	2615 CAROL DR	4	2	2073	118	$608,000.00	5/27/2011
Sold	$1,499,950.00	1565 CHERRY GLEN WAY	4	3.5	3412	134	$1,475,000.00	6/3/2011
Sold	$1,599,950.00	1557 CHERRY GLEN WAY	4	3.5	3392	128	$1,599,950.00	6/2/2011
Sold	$749,950.00	2169 BELLO AVE	4	2	1977	144	$735,000.00	6/1/2011
Sold	$519,900.00	466 SNYDER AVE	2	1	1128	88	$505,000.00	5/16/2011
Sold	$299,900.00	1572 CROSS WAY	3	2	1080	111	$295,000.00	5/25/2011
Sold	$1,599,999.00	1080 WILLOW GLEN WAY	4	3.5	3945	172	$1,517,000.00	5/16/2011
Sold	$569,000.00	957 CURTNER AVE	3	2	1692	73	$540,000.00	5/24/2011
Sold	$669,000.00	1542 KEESLING AVE	3	2	1983	222	$669,000.00	5/27/2011
Sold	$1,749,900.00	1483 KINER AVE	4	4+	3830	257	$1,650,000.00	5/18/2011
Sold	$320,000.00	595 MINOR AVE	3	2	1635	254	$315,000.00	5/19/2011

Almaden Valley Market Update

Tue, 17 May 2011 00:00:00 -0700

Average sales price for Almaden Valley is $1,007,310, and PLENTY of activity.
The listings below only represent active sales, not those under contract or recently sold.
Please feel free to contact me for pending and sold status, and view my Market Updates
page above for more.

Status	List Price	List Date	Street Address	Bedrooms	Bathrooms	Sq Ft	DOM
Active	$700,000.00	5/17/2011	6264 LILLIAN WAY	3	2	1468	0
Active	$928,000.00	5/16/2011	6458 OAKCREST DR	4	2	2063	1
Active	$925,000.00	5/13/2011	1153 CALLE VENTURA	3	2	1949	4
Active	$725,000.00	5/13/2011	5951 LARABEE CT	4	2.5	2008	4
Active	$1,199,000.00	5/13/2011	991 HAMPSWOOD WAY	4	3	3328	4
Active	$727,000.00	5/13/2011	6094 CRESTOAK CT	4	2	1677	4
Active	$1,349,950.00	5/13/2011	6576 FALL RIVER DR	5	4+	3513	4
Active	$899,000.00	5/12/2011	6636 MOUNT ROYAL DR	4	2.5	2323	5
Active	$885,000.00	5/12/2011	6511 LITTLE FALLS DR	4	2.5	2039	5
Active	$929,000.00	5/11/2011	1164 MOUNTAIN QUAIL CIR	3	2.5	2199	6
Active	$879,000.00	5/11/2011	5996 CROSSVIEW CT	4	2	2044	6
Active	$839,900.00	5/11/2011	1151 PARMA DR	4	2.5	2208	6
Active	$868,000.00	5/11/2011	1242 PERALTA DR	5	3.5	2420	6
Active	$862,000.00	5/10/2011	1166 QUAIL CREEK CIR	3	2	1827	7
Active	$1,599,000.00	5/10/2011	20770 MONTE SUNSET DR	6+	4+	4469	7
Active	$729,000.00	5/10/2011	6165 CECALA DR	3	2	1677	7
Active	$1,150,000.00	5/10/2011	1110 CALCATERRA CT	4	2.5	2574	7
Active	$1,595,000.00	5/8/2011	6589 DEER HOLLOW CT	5	4+	4184	9
Active	$1,650,000.00	5/7/2011	1154 EAGLE CLIFF CT	4	3.5	2875	10
Active	$1,299,000.00	5/6/2011	1290 MCABEE ESTATES PL	5	4+	3485	11
Active	$935,000.00	5/6/2011	1119 EL PRADO DR	4	2.5	2568	11
Active	$798,000.00	5/6/2011	6918 GLENVIEW DR	4	2	1742	11
Active	$799,000.00	5/6/2011	1584 MONTEVAL LN	3	2.5	1866	11
Active	$1,389,000.00	5/6/2011	1206 ROCKHAVEN DR	4	2.5	2618	11
Active	$599,000.00	5/5/2011	7244 WILD CREEK DR	3	2.5	1470	12
Active	$899,950.00	5/5/2011	6866 GLENVIEW DR	4	3	2286	12
Active	$300,000.00	5/4/2011	0 CINNABAR HILLS RD	1	1	600	13
Active	$2,450,000.00	5/4/2011	6863 CASTLEROCK DR	5	4+	4600	13
Active	$1,259,000.00	5/4/2011	1095 BARNES CT	4	3	3179	13
Active	$860,000.00	5/3/2011	6458 RAMBLEWOOD DR	4	2.5	2050	14
Active	$1,089,000.00	5/3/2011	1580 CAPITANCILLOS DR	5	2.5	2816	14
Active	$849,000.00	5/3/2011	1263 NANCARROW WAY	4	2	1997	14
Active	$1,129,000.00	5/2/2011	747 SEAWOOD WAY	6+	3	2777	15
Active	$1,875,000.00	5/2/2011	6451 PFEIFFER RANCH CT	5	4+	4184	15
Active	$848,000.00	5/2/2011	6191 CLOVERHILL DR	4	2	2262	15
Active	$1,425,000.00	4/28/2011	6678 BROADACRES DR	5	4+	3731	19
Active	$869,000.00	4/28/2011	6242 PASO LOS CERRITOS	5	2.5	2054	19
Active	$985,000.00	4/28/2011	1263 BIG TALK CT	5	3	2470	19
Active	$1,725,000.00	4/28/2011	6541 CRYSTAL SPRINGS DR	5	3.5	3836	19
Active	$720,000.00	4/28/2011	6564 HIDDEN CREEK DR	3	2	1589	19
Active	$895,000.00	4/28/2011	1583 PUERTO VALLARTA DR	5	2.5	2278	19
Active	$1,300,000.00	4/26/2011	7227 GOLD CREEK WAY	4	2.5	2815	21
Active	$899,900.00	4/26/2011	6556 BOSE LN	4	2.5	2415	21
Active	$1,980,000.00	4/25/2011	6740 LOOKOUT BD	5	3	3141	22
Active	$1,478,888.00	4/25/2011	1093 AMANDA LYNE CT	5	3	3521	22
Active	$891,900.00	4/23/2011	6559 NORTHRIDGE DR	4	2.5	2415	24
Active	$759,000.00	4/23/2011	6593 TAM OSHANTER DR	4	2	1795	24
Active	$949,988.00	4/22/2011	6845 LENWOOD WAY	4	3	1974	25
Active	$1,925,000.00	4/21/2011	1184 NIKULINA CT	3	3.5	4140	26
Active	$949,000.00	4/21/2011	1228 MOUNTAIN QUAIL CIR	3	2.5	2199	26
Active	$975,000.00	4/19/2011	6362 FARM HILL WAY	4	3.5	3189	28
Active	$1,229,000.00	4/19/2011	7111 WOODED LAKE DR	4	3	2609	28
Active	$1,375,000.00	4/18/2011	7113 RAICH DR	4	2.5	3256	29
Active	$1,190,000.00	4/18/2011	1309 RIMROCK DR	3	2.5	2500	29
Active	$1,150,000.00	4/16/2011	6528 PFEIFFER RANCH RD	4	2.5	2416	31
Active	$898,000.00	4/15/2011	1484 MONTEGO DR	4	2.5	2372	32
Active	$1,198,888.00	4/14/2011	1107 STARWOOD CT	3	2.5	2678	33
Active	$1,268,000.00	4/14/2011	7062 MORECAMBE DR	5	3	3287	33
Active	$1,590,000.00	4/12/2011	6844 LEYLAND PARK DR	4	3.5	3886	35
Active	$1,249,950.00	4/12/2011	6801 ELWOOD RD	4	2	2140	35
Active	$1,089,000.00	4/11/2011	1313 RIMROCK DR	5	3	3565	36
Active	$824,999.00	4/9/2011	1470 MEDALLION DR	4	3	2710	38
Active	$949,000.00	4/8/2011	1199 QUAIL CREEK CIR	3	2.5	2405	39
Active	$749,075.00	4/5/2011	6291 VEGAS DR	4	3	1989	42
Active	$1,529,000.00	4/1/2011	6580 GRAYSTONE MEADOW CIR			5	3	2719	46
Active	$2,200,000.00	3/31/2011	18690 ROSALIND LN	5	4+	5343	47
Active	$1,288,888.00	3/31/2011	1035 MOUNTAIN SHADOWS RD	4	2.5	2825	47
Active	$1,149,950.00	3/30/2011	1107 BARTLETT CREEK CT	4	2.5	2966	48
Active	$980,000.00	3/29/2011	6184 FRANCISCAN WAY	4	2.5	2792	49
Active	$1,145,000.00	3/29/2011	7202 EMAMI DR	5	3.5	3015	49
Active	$1,279,000.00	3/29/2011	6492 PFEIFFER RANCH RD	4	3	2477	49
Active	$839,000.00	3/28/2011	6003 MONTEVERDE DR	5	2.5	2278	50
Active	$679,000.00	3/24/2011	6105 CECALA DR	4	2	2014	54
Active	$896,000.00	3/22/2011	6343 PASO LOS CERRITOS	4	2.5	2372	56
Active	$759,999.00	3/22/2011	6527 SPRINGPATH LN	4	2.5	2035	56
Active	$1,049,000.00	3/21/2011	1109 MCINTOSH CREEK DR	4	2.5	2574	57
Active	$998,888.00	3/17/2011	6953 VILLAGEWOOD WAY	4	3	2829	61
Active	$1,325,000.00	3/15/2011	6600 PFEIFFER RANCH RD	5	3.5	2955	63
Active	$1,449,000.00	3/14/2011	6564 CAMELIA DR	5	3	2912	64
Active	$759,950.00	3/10/2011	1545 LOS RIOS DR	4	2	1692	68
Active	$935,000.00	3/9/2011	6874 GLENVIEW DR	4	2	2152	69
Active	$2,695,000.00	3/8/2011	7100 ROYAL RIDGE DR	6+	4+	6218	70
Active	$649,000.00	3/8/2011	1031 REDMOND AVE	3	2	1468	70
Active	$366,000.00	3/6/2011	21790 BERTRAM RD	2	1	908	72
Active	$949,900.00	3/2/2011	1143 LONE PINE LN	4	2.5	2928	76
Active	$2,725,000.00	3/1/2011	20760 MONTE SUNSET DR	5	4+	7300	77
Active	$1,149,000.00	2/25/2011	6893 CAMPISI CT	4	2.5	2527	81
Active	$899,800.00	2/23/2011	6558 MCABEE RD	4	3	2450	83
Active	$719,000.00	2/23/2011	6576 CAMDEN AVE	4	2.5	2050	83
Active	$2,500,000.00	2/15/2011	19960 ALMADEN RD	2	1	1200	91
Active	$849,000.00	2/11/2011	1109 DWYER AVE	4	2.5	2176	95
Active	$774,999.00	2/10/2011	1221 REDMOND AVE	3	2	1673	96
Active	$1,174,000.00	2/10/2011	1010 SHADOW BROOK DR	6+	3	2585	96
Active	$828,000.00	2/9/2011	1588 CAPITANCILLOS DR	3	2	1904	97
Active	$650,000.00	2/7/2011	6522 CAMDEN AVE	3	2	1706	99
Active	$599,000.00	2/3/2011	1062 BRET KNOLL CT	2	2	1082	103
Active	$734,900.00	2/1/2011	1715 MANITOU CT	4	2.5	2008	105
Active	$669,000.00	1/31/2011	1076 CLOVERBROOK DR	5	2	1405	106
Active	$799,900.00	1/12/2011	6963 QUEENSWOOD WAY	3	2	1649	125
Active	$1,849,000.00	1/10/2011	20701 LOST RANCH RD	5	3.5	4200	127
Active	$899,000.00	1/7/2011	6548 CREEK BANK CT	5	3.5	2734	130
Active	$839,000.00	1/2/2011	6682 MOUNT HOPE DR	3	3	2113	135
Active	$759,900.00	12/16/2010	718 ALMONDWOOD WAY	3	2	1780	152
Active	$1,198,000.00	11/6/2010	6616 CAMDEN AVE	4	3	2539	192
Active	$1,259,000.00	11/3/2010	1264 CHATEAU DR	4	2.5	2654	195
Active	$739,000.00	10/28/2010	5811 ANTIGUA DR	4	3	2319	201
Active	$1,149,000.00	10/26/2010	6831 ELDRIDGE DR	5	2.5	2496	203
Active	$615,000.00	10/20/2010	1025 ALAMITOS CREEK DR	4	2.5	1470	209
Active	$1,099,999.00	10/20/2010	20096 ALMADEN RD	3	2	1600	209
Active	$2,555,000.00	10/6/2010	7184 GLENVIEW DR	5	4+	6251	223
Active	$2,290,000.00	6/22/2010	6082 ALMADEN RD	3	2	1800	329
Active	$820,000.00	5/30/2010	6272 PASO LOS CERRITOS	4	2.5	1974	352

Willow Glen Market Update

Tue, 17 May 2011 00:00:00 -0700

Average sales price for Willow Glen is $731,642, an increase over March.
The listings below only represent active sales, not those under contract or recently sold.
Please feel free to contact me for pending and sold status, and view my Market Updates
page above for more.

List Price

List Date

Street Address

City

Bedrooms

Bathrooms

Sq Ft

DOM

$735,000.00

5/17/2011

2150 NEWPORT AVE

San Jose

1400

$699,000.00

5/17/2011

2029 COASTLAND AVE

San Jose

1050

$865,500.00

5/16/2011

1148 KOTENBERG AVE

San Jose

1509

$799,900.00

5/16/2011

2760 GARDENDALE DR

San Jose

2.5

1935

$769,500.00

5/16/2011

843 BREVINS LP

San Jose

2654

$569,000.00

5/16/2011

2451 MERIDIAN AVE

San Jose

2474

$1,299,000.00

5/16/2011

934 NEVADA AVE

San Jose

3.5

2760

$675,000.00

5/16/2011

766 NIRASA LN

San Jose

3.5

2319

$799,000.00

5/15/2011

2159 WESTMORELAND DR

San Jose

2428

$569,000.00

5/13/2011

1002 SPENCER AVE

San Jose

1184

$495,500.00

5/13/2011

1851 MERIDIAN AVE

San Jose

1429

$687,000.00

5/13/2011

2896 VARDEN AVE

San Jose

2.5

1560

$699,000.00

5/13/2011

1099 GLEN ECHO AVE

San Jose

1477

$1,050,000.00

5/13/2011

1643 PATIO DR

San Jose

2220

$706,000.00

5/12/2011

3095 RUBINO CIR

San Jose

2.5

2153

$899,000.00

5/12/2011

1171 MAYETTE AVE

San Jose

2256

$597,888.00

5/12/2011

2466 RALEIGH DR

San Jose

1573

$1,749,000.00

5/12/2011

2144 MULBERRY CIR

San Jose

3.5

3008

$768,000.00

5/12/2011

2762 SUNBONNET CT

San Jose

2377

$630,000.00

5/11/2011

1337 PREVOST ST

San Jose

1170

$819,000.00

5/11/2011

2285 COTTLE AVE

San Jose

1870

$599,000.00

5/11/2011

2722 COIT DR

San Jose

1186

$575,000.00

5/11/2011

1005 SPENCER AVE

San Jose

1248

$1,198,888.00

5/11/2011

2021 PARK ROYAL DR

San Jose

2.5

2624

$699,000.00

5/11/2011

2845 NICHOLAS DR

San Jose

1616

$639,000.00

5/10/2011

1996 HICKS AVE

San Jose

1551

$778,000.00

5/10/2011

735 PALM HAVEN AVE

San Jose

1.5

1327

$684,999.00

5/10/2011

1232 MADRONA AVE

San Jose

1.5

1557

$995,000.00

5/10/2011

981 MICHIGAN AVE

San Jose

1902

$765,000.00

5/9/2011

1992 KIRBY WAY

San Jose

1704

$1,299,000.00

5/9/2011

1474 RICHARDS AVE

San Jose

3000

$595,000.00

5/9/2011

1984 MERIDIAN AVE

San Jose

2.5

1817

$849,000.00

5/6/2011

1790 GLEN UNA AVE

San Jose

1828

$694,888.00

5/6/2011

2531 LA MIRADA DR

San Jose

2.5

1678

$559,900.00

5/6/2011

2825 CUSTER DR

San Jose

1320

$1,285,000.00

5/5/2011

1821 KIRKLYN DR

San Jose

2566

$489,000.00

5/5/2011

564 HARRISON ST

San Jose

1368

$859,000.00

5/5/2011

2480 WESTPARK DR

San Jose

2.5

1971

$799,000.00

5/5/2011

1529 PHANTOM AVE

San Jose

1571

$839,900.00

5/5/2011

1302 KOCH LN

San Jose

2.5

1725

$530,000.00

5/4/2011

882 FOXWORTHY AVE

San Jose

2.5

1589

$780,000.00

5/4/2011

1134 JANIS WAY

San Jose

1862

$1,149,000.00

5/4/2011

1457 GERHARDT AVE

San Jose

2686

$749,000.00

5/4/2011

906 WILLOWSHIRE WAY

San Jose

2.5

1994

$659,000.00

5/4/2011

1163 CURTISS AVE

San Jose

1449

$749,500.00

5/3/2011

1148 KOCH LN

San Jose

1544

$699,000.00

5/3/2011

1743 JONATHAN AVE

San Jose

1114

$725,000.00

5/3/2011

1512 MAXINE AVE

San Jose

1412

$749,900.00

5/3/2011

815 RIVERSIDE DR

San Jose

1464

$1,325,000.00

5/3/2011

2547 PLUMMER AVE

San Jose

2520

$599,900.00

5/2/2011

725 PORTOFINO PL

San Jose

2.5

2153

$649,000.00

5/2/2011

1507 GRACE AVE

San Jose

1.5

1694

$1,150,000.00

5/2/2011

1524 NORMAN AVE

San Jose

2400

$739,950.00

5/2/2011

1713 FABIAN DR

San Jose

1688

$949,950.00

4/30/2011

1744 SWEETBRIAR DR

San Jose

2.5

2096

$439,000.00

4/29/2011

1904 POTRERO DR

San Jose

1242

$749,000.00

4/29/2011

419 SHEPHERD AVE

San Jose

1095

$1,049,950.00

4/29/2011

1051 PINE AVE

San Jose

2464

$1,690,000.00

4/29/2011

2867 RICHLAND AVE

San Jose

3700

$890,000.00

4/29/2011

1241 LAURIE AVE

San Jose

1761

$899,950.00

4/29/2011

1335 WHITEHURST CT

San Jose

2.5

2470

$665,000.00

4/28/2011

2785 NICHOLAS DR

San Jose

2.5

1686

$495,000.00

4/28/2011

1834 VIA EL CAPITAN

San Jose

1250

$699,000.00

4/28/2011

1662 SAINT ANTHONY DR

San Jose

1845

$610,000.00

4/27/2011

1404 CARMEL DR

San Jose

1.5

1569

$839,900.00

4/27/2011

2168 COASTLAND AVE

San Jose

2324

$669,000.00

4/27/2011

639 WILLOW ST

San Jose

2.5

1730

$969,000.00

4/27/2011

1000 CAROLYN AVE

San Jose

2210

$789,000.00

4/27/2011

1841 KENPARK CT

San Jose

1803

$689,000.00

4/26/2011

1616 HICKS AVE

San Jose

1.5

1520

$699,999.00

4/26/2011

945 TERRA BELLA AVE

San Jose

1163

$1,259,000.00

4/26/2011

1456 GRACE AVE

San Jose

3.5

3595

$429,000.00

4/26/2011

446 HULL AVE

San Jose

993

$745,000.00

4/25/2011

2561 CORDOBA WAY

San Jose

1584

$699,000.00

4/25/2011

1938 CRESTMONT DR

San Jose

1678

$725,000.00

4/22/2011

1142 GARFIELD AVE

San Jose

1590

$588,888.00

4/22/2011

443 JEROME ST

San Jose

1288

$1,038,000.00

4/22/2011

1053 CLINTONIA AVE

San Jose

2657

$899,000.00

4/21/2011

1097 CAMINO PABLO

San Jose

3.5

1635

$648,000.00

4/21/2011

2103 PARKWOOD WAY

San Jose

1403

$294,000.00

4/21/2011

725 DRAKE ST

San Jose

810

$485,000.00

4/20/2011

1761 MERIDIAN AVE

San Jose

1486

$899,999.00

4/20/2011

1245 DELMAS AVE

San Jose

2737

$617,000.00

4/19/2011

2983 RUBINO CIR

San Jose

2.5

1889

$729,000.00

4/18/2011

1184 PINE AVE

San Jose

1319

$1,069,000.00

4/18/2011

1162 GLENN AVE

San Jose

1671

$861,000.00

4/18/2011

1885 HARRIS AVE

San Jose

2.5

2016

$1,094,950.00

4/15/2011

1943 JAMES PL

San Jose

2089

$739,000.00

4/15/2011

1628 TRONA WAY

San Jose

1523

$799,000.00

4/15/2011

1521 CARMEL DR

San Jose

2241

$1,275,000.00

4/14/2011

994 LOUISE AVE

San Jose

2.5

2497

$1,199,950.00

4/14/2011

2054 BOOKSIN AVE

San Jose

1568

$1,049,000.00

4/14/2011

1157 GARFIELD AVE

San Jose

2845

$769,999.00

4/14/2011

1451 HUSTED AVE

San Jose

2437

$875,000.00

4/13/2011

1949 CRESTMONT DR

San Jose

2070

$779,000.00

4/13/2011

1838 GLEN UNA AVE

San Jose

1378

$759,000.00

4/13/2011

2069 COWLES

San Jose

2.5

1859

$490,000.00

4/11/2011

731 ILLINOIS AVE

San Jose

980

$1,165,000.00

4/11/2011

1032 CAMINO RICARDO

San Jose

2.5

2290

$600,000.00

4/8/2011

1164 DELMAS AVE

San Jose

1197

$859,000.00

4/7/2011

1657 PARKSIDE AVE

San Jose

2366

$649,000.00

4/7/2011

653 DOROTHY AVE

San Jose

1450

$525,000.00

4/7/2011

1087 BROADWAY AVE

San Jose

tropical exterior design by hawaii architect Dinmore & Cisco Architects, Inc.

4 Bedroom Willow Glen Charmer for Under $700k-Great Location!

Sat, 14 May 2011 00:00:00 -0700

Great location, great price. Make an offer! Come by to view Sunday, May 15th from 1-4pm.

Wonderful starter home on a quiet street and one of the best streets in the neighborhood! Close to freeways, parks, schools and Los Gatos Park Trail.

4 Bedrooms ~ 2 Baths
Living Space - 1,845 Sq. Ft. ~ 8,833 Sq. ft. lot
Separate family room & living room both with fireplaces
Hardwood floors, new paint inside & outside
Covered patio area with room to expand
Attached 2 Car Garage
Beautiful in-ground pool perfect for entertaining
Association Pool & Spa with Beautiful Landscape
Close to Dining, Shopping, Hwy 85/17 & More

Spacious Almaden Family Home in Cul-de-Sac

Thu, 24 Mar 2011 00:00:00 -0700

Looking for a large family home in Almaden with excellent schools? Here's your new home...
Located in a cul-de-sac Excellent Almaden Schools!

Open House Saturday, March 26th from 1:00-4:00pm.

Huge back yard great for entertaining
Huge RV parking and storage area behind gate on side of house!
Room to build in-law unit or add on (buyer to verify with city planning)
Beautiful newer stone like paver back patio ($30k upgrade)
Gorgeous double entry doors with stained glass windows and new Baldwin brass door handles
New Italian porcelain tile entry way
Kitchen with new Granite counter tops and new Italian porcelain tile floor
Newer stainless steel appliances
Updated bathrooms
Large Bonus room/play room permitted addition
Fenced in dog run
3 outside storage units

Almaden's TJ Martin/Montevideo Neighborhood Market Update

Sat, 12 Mar 2011 00:00:00 -0800

Lots of activity here in this neighborhood of Almaden! Currently more properties are pending than active.
We are on our way to a healthy spring.

If you would like a free, detailed analysis on your home, including a Maximum Home Value Audit, and how
my 28 Step Marketing Plan can help you, contact me at (408) 591-7778.

Status	List Price	Street Address	Bed	Bath	Sq Ft	DOM	Sale Price	COE
Active	$799,888.00	1545 LOS RIOS DR	4	2	1692	2	--	--
Active	$879,000.00	1486 OAK CANYON	4	2	1874	14	--	--
Active	$919,800.00	6558 MCABEE RD	4	3	2450	17	--	--
Active	$929,000.00	1441 CUERNAVACA	5	2.5	2624	22	--	--
Active	$978,000.00	1317 DEB CT	4	3	2286	23	--	--
Active	$1,085,000.00	1687 VIA CAMPO VERDE ST	5	3	2642	25	--	--
Active	$774,999.00	1221 REDMOND	3	2	1673	30	--	--
Active	$865,000.00	1588 CAPITANCILLOS	3	2	1904	31	--	--
Active	$777,000.00	1715 MANITOU CT	4	2.5	2008	39	--	--
Active	$819,500.00	6372 GONDOLA	4	2.5	2651	66	--	--
Active	$999,000.00	1407 MONTEGO	5	3	2450	95	--	--
Active	$929,000.00	6593 SPRINGPATH	5	3	2450	99	--	--
Active	$810,000.00	1482 REDMOND	5	2.5	2278	121	--	--
Active	$1,449,900.00	6678 BROADACRES	5	4+	3731	149	--	--
Pending	$799,000.00	6194 CALLE ESPERANZA	4	2.5	1974	13	--	5/31/2011
Pending	$698,700.00	6468 HIRABAYASHI DR	4	2.5	2383	21	--	3/22/2011
Pending	$789,000.00	1576 MONTELLANO DR	4	2.5	2013	10	--	3/17/2011
Pending	$850,000.00	5816 RECIFE WAY	4	3	2370	20	--	3/25/2011
Pending	$598,000.00	1352 VIA DE LOS REYES	4	2	1754	25	--	2/28/2011
Pending	$699,000.00	5808 PILAR CT	4	2.5	2029	9	--	3/30/2011
Pending	$899,999.00	1377 CAMINO ROBLES WAY	5	2.5	3374	4	--	6/30/2011
Pending	$999,000.00	1103 PORTO ALEGRE PL	4	3	3508	61	--	4/3/2011
Pending	$699,999.00	1315 PERALTA CT	3	2	1657	92	--	4/1/2011
Pending	$675,000.00	1403 TORRINGTON	4	2.5	2008	141	--	4/8/2011
Pending	$819,000.00	1385 VIA DE LOS REYES	4	2.5	2050	142	--	3/31/2011
Pending	$795,000.00	6379 FIREFLY DR	5	3	2350	163	--	3/31/2011
Pending	$820,000.00	6272 PASO LOS CERRITOS	4	2.5	1974	255	--	4/9/2011
Pending	$829,000.00	1544 MONTELLANO DR	4	2.5	2033	7	--	4/8/2011
Pending	$818,888.00	1154 STRADA ALMADEN	4	2.5	2023	14	--	4/4/2011
Pending	$915,000.00	1679 VIA LUGANO	4	2.5	2099	6	--	3/16/2011
Pending	$710,000.00	6210 MERIDIAN	5	3	2350	23	--	4/4/2011
Pending	$765,000.00	6482 MCABEE RD	4	2.5	2309	10	--	3/1/2011
Pending	$1,185,000.00	5922 PORTO ALEGRE DR	4	3	2688	30	--	3/22/2011
Sold	$749,000.00	6507 LEYLAND PARK DR	4	2	1986	0	$775,000.00	3/7/2011
Sold	$739,000.00	6602 NEPTUNE CT	4	2.5	2181	5	$756,000.00	3/8/2011
Sold	$875,000.00	1578 VIA CAMPO VERDE	4	2.5	2341	58	$845,000.00	2/11/2011
Sold	$725,000.00	6083 CRIMSON DR	3	2.5	1785	60	$716,000.00	2/10/2011
Sold	$1,199,000.00	6170 MANCUSO	5	3	3375	88	$1,199,000.00	2/17/2011

Almaden Neighborhood School API Scores

Sun, 06 Mar 2011 00:00:00 -0800

So how important are API scores to you? Recent history has shown that higher scores produce demand that ultimately increase home values. Of course many home buyers want to have their cake and eat it too,
trying to purchase homes assigned to the 'best' schools for as little as possible.

I speak to many people in different neighborhoods of San Jose. It's interesting to note that here in Almaden, for example, I have heard varying stories on the experiences parents have had with all these schools. A number have told me that they actually wound up pulling their children out of what were considered the 'better' schools, and registering them with the school they did not want their child in. Some of those reasons were academic, and
of course some may have had something to do with personality conflicts for all I know, and other programs that the school may or may not offer vs. the replacement school. They stated that they were happier and all faired well for their children in the end.

Which leaves to mind, what about the old adage; 'We're #2, #3, so we try harder? You can't have it all in one school; one school in our area that many buyers insist on does not have the acclaimed sports program that another school, also with a lesser 800 score has, and because they're scores are not as high, their students and teachers are undoubtedly pushed harder.

So where do you stand on this issue? How do we dispel a certain mindset?

To put things a little more in perspective, below are 2010 API scores from 9 San Jose schools ranging
from Almaden to East San Jose, as well as Cupertino. An 'A' rating means the school scored at or above the statewide performance target of 800.

Leigh HS 848-‘A’ Rated

Pioneer HS 810-‘A’ Rated

Leland HS 878-‘A’ Rated

Branham 786

Mt. Pleasant 700

Willow Glen HS 749

Santa Teresa HS 799

Andrew P. Hill 729

Cupertino HS 878-'A' Rated

School District Boundaries

Seniors Won't Give Up Without a Fight!

Mon, 28 Feb 2011 00:00:00 -0800

So this is the year that the first of the baby boomers officially reached retirement age.
You know this won't be easy. Many implications here, not to mention the shift in
social securtiy, wage earners, health care, and of course, housing.

Some communities are reaching out to each other and organizing Virtual Villages.
One just started here in Los Gatos, California.

Here is an article by Gail Sheehy with more information on that topic, sure to be very popular now
and in the near future.

Virtual Villages

Almaden's Blue Heron

Fri, 18 Feb 2011 00:00:00 -0800

He hangs out near TJ Martin Park all by himself. Seems to be enjoying the rare weather...

Market Updates for Silicon Valley South Bay Neighborhoods

Wed, 09 Feb 2011 00:00:00 -0800

Want to know how your neighborhood is doing? Check out my local Market Updates page.

TJ Martin/Montevideo of Almaden Neighborhood Activity & Absorption Rate

Tue, 08 Feb 2011 00:00:00 -0800

TJ MARTIN/MONTEVIDEO NEIGHBORHOOD PENDING VS. ACTIVE PER PRICE & DOM

PRICE RANGE	ACTIVE	PENDING	PENDING VS. ACTIVE PER PRICE AND DOM	AVG. SOLD DOM	TOTAL SOLD AS OF 3/1-60+DAYS
590,000-699,000	2	4	50%	121	1
700,000-749,999	1	2	50.00%	69	4
750,000-799,999	2	2	100%	53	2
800,000-849,000	2	2	100%	98	2
850,000-949,000	1	1	100%	78	2
950,000-1,200,000	1	1	100%	46	2


ABSORPTION RATE FOR OUR NEIGHBORHOOD (NOT ALL OF ALMADEN)					5.5 weeks

Absorption rate=Number of weeks it takes to sell the current inventory at the present rate of sales.

Activation or Apathy?

Wed, 02 Feb 2011 00:00:00 -0800

Wow, I don't think many know what to make of all this, but we are probably watching history in the making. This is how people overthrow gov'ts; something we aren't familiar with. Lots of young people who want to make changes for themselves and their descendents, and other countries may follow: http://news.yahoo.com/s/ap/20110202/ap_on_re_mi_ea/ml_egypt

Have we become apathatic? I don't know, but we are truly fortunate.

Now if we could make some changes in the banking industry to help out our citizens and the economy...

Price Reduction on This Adorable Willow Glen Condo-$239,000

Wed, 02 Feb 2011 00:00:00 -0800

Move-in ready, with granite countertops,hardwood flooring and pride of ownership. Great location, with beautiful garden-like grounds. Walking distance to Starbuck's, Manley's, Dicks, and Safeway. Only a few minutes from Whole Foods & Highway 280. Relaxing, quiet complex with shaded/covered balcony for morning and evening relaxation. Pool,spa, excerise, rec room, additional storage, and security. 2 Bed/2 Bath, 1116 sq. ft.

Virtual Tour

Almaden Family & Entertainment Home Coming Soon...

Wed, 02 Feb 2011 00:00:00 -0800

5 Beds/3.5 Baths with 2,970 square feet

Coming in April. Owner is completing renovations.

Large home with extra parking/RV parking on quiet street with almost no traffic, safe neighborhood, close to shopping.
First floor bedroom next to bathroom for in-law or guest.
Large master with 2 person spa tub, huge walk in closet, built in shelves with lighting and mountain view.
Landscaping, sprinkler or drip system.
Upstairs laundry room.
Built in cabinets in 2 of other bedrooms.
New roof.
Heavy attic insulation.
2 heating systems.
Air conditioning upstairs.
More to come!!

Contact me at (408) 591-7778 for more information...

It SO Must Be January!

Mon, 03 Jan 2011 00:00:00 -0800

Here they come again! The January/February gym crowd. You see them every year, just different faces with the same expressions; "Ugh, time to work out again. Didn't I just do this last year? :)" Then they go back to their normal routines, leaving us regulars some space, parking and otherwise. After 25 years at the same gym, some things never change.

The same goes for agents. Many magically dissapeared in December, and are just now thinking about
the new year. Fortunately our company drills it into us that the new year really starts every month, week, day...
Many agents tell their sellers that there probably won't be any showings during the holidays. I had a client wanting to view a few occupied homes during the week of Christmas, and the seller was in shock. In turn, I had a number of agents request to show my listing the same week, and I made sure my seller was accomodating.

Motivated clients are great. I actually had to tell one of mine to give it a rest on New Year's day, as the home wasn't vacant!

Now if we could only work on those 'gymsters'....

Affordable Garden Like Willow Glen Condo...

Mon, 08 Nov 2010 00:00:00 -0800

Please view my Virtual Tour.

Frankyln Delano Bispo Obituary

Mon, 25 Oct 2010 00:00:00 -0700

My much loved uncle Frank's Obituary:

Franklyn Delano Bispo

(Feb 26, 1943-October 18, 2010)

Born in Modesto, CA February 26, 1943 Frank passed away on October 18, 2010 at home in Modesto. He is preceded in death by his father Charles Bispo who died in 1971 and mother Eyla Bispo who died in 1986. He is survived by his newlywed wife Lora, as well as his two sons: Frank and his wife Deanna of Modesto, CA and Danny of Modesto, CA. Frank is also survived by 7 adoring grandchildren: Brad, Karlee, Kassandra, Kerra and Kaydence Bispo as well as Kevin Bispo of Davis, West Virginia and Kaitlyn Bispo of Modesto, CA. He also leaves family members including recently deceased brother Edward (Virginia) Bispo and Charles (Joyce) Bispo and Sisters Margaret Nossardi and Kathy Lewis, numerous nieces, nephews, cousins and loyal friends.

Frank went to Modesto High School until he began working at Tri Valley Plant #2 on Kiernan Ave at the age of 16 (1959) and he worked there until it closed in 1998. He then was employed by Silgan Container until retiring in 2006. He worked many long hours and many overtime hours during his time in these canneries where he was a very adept fork lift driver.

He loved attending sporting events. He was a long time Babe Ruth Baseball coach in Modesto, CA and took many teams to local, state, and regional tournaments. He attended many football, basketball, and baseball games in the area. He was a regular attendee at the Modesto Jr. College Basketball Tourney. In recent years, he really enjoyed watching his grandchildren participate in athletics at Downey High School and their various colleges.

Peddlers, Agents, Politicians, Mass Murderers....

Sun, 24 Oct 2010 00:00:00 -0700

'No Peddlers or Agents'

Got a kick out of this one. Are we all in the same category?? ")

Rose Garden Home Tour

Fri, 15 Oct 2010 00:00:00 -0700

Come view some of the Rose Garden neighborhood's most lovely homes; featuring a delicately-restored, French-style estate that was once a home for unwed mothers; a newly-remodeled traditional house with a modern addition; a lovely family Colonial; and the first floor of a historic Dutch Colonial.

I will be hosting the beautiful home below from 10-1.

Rare opportunity to own one of the Rose Garden?s most prestigious estates. Built in 1917, this exquisitely restored and remodeled home offers over 6077 sq. ft. of elegance including 5 bedrooms, 3.5 baths, a spacious master suite, gourmet kitchen, formal dining and living rooms, separate study, large game room, swimming pool and tennis court. A crown jewel awaiting the most discriminating buyer.

Own a Piece of Almaden Valley For Under $500k-Not Good Enough? How About $200k??

Fri, 01 Oct 2010 00:00:00 -0700

This Almaden Valley REO has 1 bedroom, and 1 bathroom and is located in New Almaden and priced at only $199,850. New condition, upgrades. Supply your addition!

Want something a little larger? How about this 3/2 fixer upper at $499,000.

Call me at (408) 591-7778 if you'd like more information.

Anti-Deficiency Judgement Vetoed-And The Downward Spiral Continues...

Fri, 01 Oct 2010 00:00:00 -0700

Read carefully., this affects for more of us than you might think...

On Thursday, Governor Schwarzenegger vetoed SB 1178 (Corbett), C.A.R.'s sponsored bill that would have expanded anti-deficiency protections. In his veto message, the Governor made clear his view that the bill interferes with an existing contract. While disappointed in the Governor's misinterpretation of the bill, C.A.R. is grateful to the almost 13,000 California REALTORS(R) who urged him to sign the bill by responding to the Red Alert.

C.A.R. sponsored SB 1178 to better protect homeowners going through foreclosure. SB 1178 would have ensured that homeowners keep the same "anti-deficiency" protections they have in the original loan after the loan has been refinanced.

California's anti-deficiency protection for "purchase money" mortgages says that if a homeowner defaults on a mortgage used to purchase his or her home, the homeowner's liability on the mortgage is limited to the property itself. The law has worked well since the 1930s to protect borrowers, ensure the quality of loan underwriting and allow borrowers brought down by financial crisis to get back on their feet.

Unfortunately, the 1930s law hasn't kept up with current times. Current law doesn't apply to loans used to refinance the original purchase debt, even if the refinance was only to gain a lower interest rate. Recent years of low interest rates have induced tens of thousands of homeowners to refinance their mortgages. During those years, almost no one realized that refinancing their mortgage to obtain a lower rate, they were forfeiting their protections and were becoming personally liable on the new note.

SB 1178 would have corrected this injustice by extending anti-deficiency protections to those who have refinanced their loans.

After all, we must protect the banks, not those who have supported them for how long?!

We tried, but stay tuned....

San Jose Investment Property-Quick Close!

Sat, 25 Sep 2010 00:00:00 -0700

Perfect investment property or first home. Clean, bright, updated and ready to sell! Pergo floors, granite counters, maple cabinets and vaulted ceilings are all part of the package. Has a spacious backyard, perfect for entertaining. Easy commute location

This property is owned free and clear-quick close!

Open House Sunday, September 26th from 1-4pm.

Want to Move & Worried About Property Taxes? Propositions 60 & 90 May Be Your Answer...

Tue, 21 Sep 2010 00:00:00 -0700

Proposition 60 & 90 Want to move to another home and keep those property taxes low? Forward to someone who does. A great plus for Californians over 55, and something to take advantage of before 'they' catch on to the benefits.

Silicon Valley Market Updates

Fri, 10 Sep 2010 00:00:00 -0700

For details and graphs on specific areas in the south bay, click here.
For specific information on your neighborhood, please contact me
for a no obligation market analysis.

'You've Gotta Know the Territory!' A Case in Point; Almaden Valley

Sun, 29 Aug 2010 00:00:00 -0700

Our local newspaper, like so many others tends to cite national numbers when reporting on the housing market. We all know that each of our local housing markets is much different. As the old saying goes,
"You've gotta know the territory!".

A few comparisons for the month of July; Almaden Valley had 38 closed sales in 2009 and 26 in 2010. That's a 32% decline, but let's look further. Once again the pended sales tell us more of the true story. In those same months, 2009 had 34 pended sales while 2010 had 34! That's no increase over last July's number, but it's also not a decrease, like our local paper's headlines shout out. Seems like a pretty stable market. Again, it's local; just like our weather, schools, attractions, neighborhoods, etc.

TJ MARTIN/JEFFREY FONTANA & MONTEVIDEO NEIGHBORHOODS

Status	List Price	List Date	Street Address	Beds	Baths	Sq Ft	DOM	Sale Price	COE
Active	$899,000.00	8/27/2010	6003 MONTEVERDE DR	5	2.5	2278	1	--	--
Active	$799,000.00	8/20/2010	6380 DESERT FLAME DR	5	3	2350	8	--	--
Active	$899,000.00	8/20/2010	6058 BURNBANK PL	4	2.5	2170	8	--	--
Active	$985,000.00	8/19/2010	1576 VIA CAMPAGNA	4	2.5	2405	9	--	--
Active	$990,000.00	8/16/2010	1408 CAMINO ROBLES WAY	5	2.5	2624	12	--	--
Active	$859,000.00	8/16/2010	1385 VIA DE LOS REYES	4	2.5	2050	12	--	--
Active	$899,000.00	8/11/2010	6343 PASO LOS CERRITOS	4	2.5	2372	17	--	--
Active	$938,888.00	8/9/2010	1276 REDMOND AVE	5	2.5	2614	19	--	--
Active	$848,000.00	8/3/2010	1502 JUARCEYS CT	4	2	2027	25	--	--
Active	$899,950.00	8/3/2010	6379 FIREFLY DR	5	3	2350	25	--	--
Active	$808,888.00	8/3/2010	1497 REDMOND AVE	4	2.5	2008	25	--	--
Active	$898,800.00	7/30/2010	1523 OAK CANYON DR	5	3	2760	29	--	--
Active	$875,000.00	7/12/2010	5994 CRIMSON DR	4	2.5	2008	47	--	--
Active	$849,999.00	7/12/2010	6209 BALDERSTONE DR	5	3	2350	47	--	--
Active	$1,058,000.00	7/12/2010	1317 DEB CT	4	3	2286	47	--	--
Active	$698,000.00	7/9/2010	6368 DESERT FLAME DR	3	2	1375	50	--	--
Active	$899,000.00	7/8/2010	1412 CERRO VERDE	4	2.5	2121	51	--	--
Active	$828,000.00	7/7/2010	6528 HIRABAYASHI DR	4	2.5	2383	52	--	--
Active	$825,000.00	6/28/2010	1251 BIG TALK CT	4	2	1840	61	--	--
Active	$759,000.00	6/25/2010	1469 KINSPORT LN	3	2	1579	64	--	--
Active	$1,050,000.00	6/11/2010	1501 MONTEVAL PL	4	2.5	2705	78	--	--
Active	$750,000.00	5/30/2010	6272 PASO LOS CERRITOS	4	2.5	1974	90	--	--
Active	$719,000.00	5/21/2010	1432 REDMOND AVE	4	2	1796	99	--	--
Active	$995,000.00	4/23/2010	6528 LEYLAND PARK DR	5	3	3022	127	--	--
Active	$920,000.00	4/9/2010	6028 CASTELLO DR	5	2.5	2141	141	--	--
Active	$699,500.00	4/6/2010	6211 MERIDIAN AVE	4	2	1657	144	--	--
Active	$749,000.00	1/25/2010	1276 NANCARROW WAY	4	2	1997	215	--	--
Pending	$945,000.00	7/13/2010	6147 SILBERMAN DR	4	2	2265	9	--	9/8/2010
Pending Release Clause	$749,000.00	7/28/2010	1542 MONTALBAN DR	3	2	1670	8	--	9/14/2010
Pending Release Clause	$988,000.00	7/19/2010	1554 VIA CAMPO AUREO	5	3	2525	25	--	9/21/2010
Pending Release Clause	$620,000.00	7/15/2010	6105 CECALA DR	4	2	2014	15	--	9/30/2010
Pending Release Clause	$889,000.00	7/6/2010	1422 KINSPORT LN	5	2.5	2079	20	--	8/26/2010
Pending Release Clause	$1,099,500.00	6/24/2010	6529 PLAINVIEW CT	4	3	2450	61	--	10/20/2010
Pending Release Clause	$629,000.00	5/26/2010	6436 GONDOLA WAY	4	2	1997	18	--	8/6/2010
Pending Release Clause	$850,000.00	5/5/2010	1578 PAM LN	4	2.5	2527	68	--	10/29/2010
Pending Release Clause	$735,000.00	4/26/2010	1588 PUERTO VALLARTA DR	4	2.5	2013	123	--	10/29/2010
Pending Release Clause	$839,000.00	4/24/2009	6342 GONDOLA WAY	5	3	3684	467	--	10/31/2010
Pending Show	$1,199,999.00	8/3/2010	1459 MONTEGO DR	5	3	2673	7	--	9/10/2010
Pending Show	$799,988.00	7/7/2010	1579 GUADALAJARA DR	4	2.5	2013	46	--	10/6/2010
Pending Show	$769,000.00	6/12/2010	6293 VIA DE ADRIANNA	4	2.5	1974	53	--	9/3/2010
Pending Show	$749,000.00	5/27/2010	1556 MONTELLANO DR	4	2	1949	68	--	9/3/2010
Sold	$965,000.00	7/23/2010	6192 FRANCISCAN WAY	4	2.5	2465	10	$950,000.00	8/20/2010
Sold	$939,000.00	7/14/2010	6042 MONTEVERDE DR	5	3.5	2403	7	$940,000.00	8/17/2010
Sold	$849,000.00	6/18/2010	6212 FIREFLY DR	5	3	1958	38	$839,000.00	8/24/2010
Sold	$925,000.00	6/17/2010	5966 MONTEVERDE DR	5	3	2110	8	$965,000.00	8/4/2010
Sold	$860,000.00	6/9/2010	1485 BULLION CT	3	2.5	2388	7	$830,000.00	8/19/2010
Sold	$750,000.00	6/4/2010	5998 BURCHELL AVE	3	2	1790	6	$714,250.00	7/16/2010
Sold	$899,000.00	5/26/2010	1474 MONTEGO DR	4	2	2275	41	$884,000.00	8/10/2010
Sold	$895,000.00	5/21/2010	1542 MONTEVAL LN	4	2	2312	55	$882,500.00	8/17/2010
Sold	$925,000.00	5/11/2010	1391 MEDALLION DR	4	2.5	2172	21	$905,000.00	7/1/2010
Sold	$895,000.00	5/10/2010	6413 BERWICKSHIRE WAY	4	2.5	2651	18	$870,000.00	7/22/2010
Sold	$850,000.00	5/7/2010	6392 FIREFLY DR	4	2.5	2651	50	$850,000.00	8/6/2010
Sold	$1,150,000.00	5/6/2010	5867 BURCHELL AVE	5	4+	3746	11	$1,147,000.00	7/16/2010
Sold	$759,000.00	4/20/2010	1324 CERRO VERDE	4	2	2046	79	$752,000.00	8/11/2010
Sold	$739,000.00	4/3/2010	6280 MERIDIAN AVE	5	3.5	2478	99	$735,000.00	8/9/2010
Sold	$767,000.00	3/22/2010	6145 VIA DE LAS ABEJAS	4	2	1754	101	$767,000.00	7/21/2010
Sold	$759,000.00	10/15/2009	6352 FIREFLY DR	4	2	1657	225	$740,000.00	7/9/2010

My newest blog entry

Sun, 29 Aug 2010 00:00:00 -0700

TJ MARTIN/JEFFREY FONTANA & MONTEVIDEO NEIGHBORHOODS

Status	List Price	List Date	Street Address	Beds	Baths	Sq Ft	DOM	Sale Price	COE
Active	$899,000.00	8/27/2010	6003 MONTEVERDE DR	5	2.5	2278	1	--	--
Active	$799,000.00	8/20/2010	6380 DESERT FLAME DR	5	3	2350	8	--	--
Active	$899,000.00	8/20/2010	6058 BURNBANK PL	4	2.5	2170	8	--	--
Active	$985,000.00	8/19/2010	1576 VIA CAMPAGNA	4	2.5	2405	9	--	--
Active	$990,000.00	8/16/2010	1408 CAMINO ROBLES WAY	5	2.5	2624	12	--	--
Active	$859,000.00	8/16/2010	1385 VIA DE LOS REYES	4	2.5	2050	12	--	--
Active	$899,000.00	8/11/2010	6343 PASO LOS CERRITOS	4	2.5	2372	17	--	--
Active	$938,888.00	8/9/2010	1276 REDMOND AVE	5	2.5	2614	19	--	--
Active	$848,000.00	8/3/2010	1502 JUARCEYS CT	4	2	2027	25	--	--
Active	$899,950.00	8/3/2010	6379 FIREFLY DR	5	3	2350	25	--	--
Active	$808,888.00	8/3/2010	1497 REDMOND AVE	4	2.5	2008	25	--	--
Active	$898,800.00	7/30/2010	1523 OAK CANYON DR	5	3	2760	29	--	--
Active	$875,000.00	7/12/2010	5994 CRIMSON DR	4	2.5	2008	47	--	--
Active	$849,999.00	7/12/2010	6209 BALDERSTONE DR	5	3	2350	47	--	--
Active	$1,058,000.00	7/12/2010	1317 DEB CT	4	3	2286	47	--	--
Active	$698,000.00	7/9/2010	6368 DESERT FLAME DR	3	2	1375	50	--	--
Active	$899,000.00	7/8/2010	1412 CERRO VERDE	4	2.5	2121	51	--	--
Active	$828,000.00	7/7/2010	6528 HIRABAYASHI DR	4	2.5	2383	52	--	--
Active	$825,000.00	6/28/2010	1251 BIG TALK CT	4	2	1840	61	--	--
Active	$759,000.00	6/25/2010	1469 KINSPORT LN	3	2	1579	64	--	--
Active	$1,050,000.00	6/11/2010	1501 MONTEVAL PL	4	2.5	2705	78	--	--
Active	$750,000.00	5/30/2010	6272 PASO LOS CERRITOS	4	2.5	1974	90	--	--
Active	$719,000.00	5/21/2010	1432 REDMOND AVE	4	2	1796	99	--	--
Active	$995,000.00	4/23/2010	6528 LEYLAND PARK DR	5	3	3022	127	--	--
Active	$920,000.00	4/9/2010	6028 CASTELLO DR	5	2.5	2141	141	--	--
Active	$699,500.00	4/6/2010	6211 MERIDIAN AVE	4	2	1657	144	--	--
Active	$749,000.00	1/25/2010	1276 NANCARROW WAY	4	2	1997	215	--	--
Pending	$945,000.00	7/13/2010	6147 SILBERMAN DR	4	2	2265	9	--	9/8/2010
Pending Release Clause	$749,000.00	7/28/2010	1542 MONTALBAN DR	3	2	1670	8	--	9/14/2010
Pending Release Clause	$988,000.00	7/19/2010	1554 VIA CAMPO AUREO	5	3	2525	25	--	9/21/2010
Pending Release Clause	$620,000.00	7/15/2010	6105 CECALA DR	4	2	2014	15	--	9/30/2010
Pending Release Clause	$889,000.00	7/6/2010	1422 KINSPORT LN	5	2.5	2079	20	--	8/26/2010
Pending Release Clause	$1,099,500.00	6/24/2010	6529 PLAINVIEW CT	4	3	2450	61	--	10/20/2010
Pending Release Clause	$629,000.00	5/26/2010	6436 GONDOLA WAY	4	2	1997	18	--	8/6/2010
Pending Release Clause	$850,000.00	5/5/2010	1578 PAM LN	4	2.5	2527	68	--	10/29/2010
Pending Release Clause	$735,000.00	4/26/2010	1588 PUERTO VALLARTA DR	4	2.5	2013	123	--	10/29/2010
Pending Release Clause	$839,000.00	4/24/2009	6342 GONDOLA WAY	5	3	3684	467	--	10/31/2010
Pending Show	$1,199,999.00	8/3/2010	1459 MONTEGO DR	5	3	2673	7	--	9/10/2010
Pending Show	$799,988.00	7/7/2010	1579 GUADALAJARA DR	4	2.5	2013	46	--	10/6/2010
Pending Show	$769,000.00	6/12/2010	6293 VIA DE ADRIANNA	4	2.5	1974	53	--	9/3/2010
Pending Show	$749,000.00	5/27/2010	1556 MONTELLANO DR	4	2	1949	68	--	9/3/2010
Sold	$965,000.00	7/23/2010	6192 FRANCISCAN WAY	4	2.5	2465	10	$950,000.00	8/20/2010
Sold	$939,000.00	7/14/2010	6042 MONTEVERDE DR	5	3.5	2403	7	$940,000.00	8/17/2010
Sold	$849,000.00	6/18/2010	6212 FIREFLY DR	5	3	1958	38	$839,000.00	8/24/2010
Sold	$925,000.00	6/17/2010	5966 MONTEVERDE DR	5	3	2110	8	$965,000.00	8/4/2010
Sold	$860,000.00	6/9/2010	1485 BULLION CT	3	2.5	2388	7	$830,000.00	8/19/2010
Sold	$750,000.00	6/4/2010	5998 BURCHELL AVE	3	2	1790	6	$714,250.00	7/16/2010
Sold	$899,000.00	5/26/2010	1474 MONTEGO DR	4	2	2275	41	$884,000.00	8/10/2010
Sold	$895,000.00	5/21/2010	1542 MONTEVAL LN	4	2	2312	55	$882,500.00	8/17/2010
Sold	$925,000.00	5/11/2010	1391 MEDALLION DR	4	2.5	2172	21	$905,000.00	7/1/2010
Sold	$895,000.00	5/10/2010	6413 BERWICKSHIRE WAY	4	2.5	2651	18	$870,000.00	7/22/2010
Sold	$850,000.00	5/7/2010	6392 FIREFLY DR	4	2.5	2651	50	$850,000.00	8/6/2010
Sold	$1,150,000.00	5/6/2010	5867 BURCHELL AVE	5	4+	3746	11	$1,147,000.00	7/16/2010
Sold	$759,000.00	4/20/2010	1324 CERRO VERDE	4	2	2046	79	$752,000.00	8/11/2010
Sold	$739,000.00	4/3/2010	6280 MERIDIAN AVE	5	3.5	2478	99	$735,000.00	8/9/2010
Sold	$767,000.00	3/22/2010	6145 VIA DE LAS ABEJAS	4	2	1754	101	$767,000.00	7/21/2010
Sold	$759,000.00	10/15/2009	6352 FIREFLY DR	4	2	1657	225	$740,000.00	7/9/2010

Investors: Sell Your Real Estate & Defer Taxes While Increasing Cash Returns; A 1031 Alternative

Mon, 19 Jul 2010 00:00:00 -0700

Strategice Tax Deferral Alternative If you are an investor looking for ways to do the above, I've attached some extremely important information to you that I just recently discovered and felt strongly that you need to be aware of. There is now (and finally) available, an alternative to the 1031 exchange! We now have the ability to sell our real estate and defer paying capital gains taxes perhaps indefinitely. This could potentially accomplish three things:

· Increase current cash on cash returns

· Eliminate property management headaches you may be dealing with

· Free up equity tied up in a single property

Please contact me at (408) 591-7778, and I would be glad to set you up with an expert in this area!

Lazy Day @ Aptos Creek

Mon, 12 Jul 2010 00:00:00 -0700

Took a walk during my sister-in-law's retirement party at Aptos Village Park, and took this photo
of the creek. Beautiful and serene....

Defaults; The Big Ones Are on Their Way...

Mon, 12 Jul 2010 00:00:00 -0700

Very interesting article. Been saying this all along, but this gives you a whole
other perspective on the debacle. As interesting as it is, it doesn't really address
the issue of the bank pursuing the homeowners. Are the 'rich' just special? Do
they know people in high places, or just how better to manipulate a messy
system? View article.

Green Energy Program May Be Folding

Mon, 12 Jul 2010 00:00:00 -0700

This does not bode well for our economy, environment and future. http://news.tradingcharts.com/futures/5/9/142122895.html

Great Do-It-Yourself Videos

Mon, 12 Jul 2010 00:00:00 -0700

This is a great site for you people-you know who you are!

http://www.diynetwork.com/

San Jose Market Snapshot at a Glance

Sun, 11 Jul 2010 00:00:00 -0700

Please feel free to contact me for details on your neighborhood:

http://www.facebook.com/lisa.wiseman?v=app_263402840772

Dancing on the Main Street in Willow Glen

Mon, 28 Jun 2010 00:00:00 -0700

It has a small town feel on most days, but this year's Dancing on the Avenue (Lincoln
Avenue, that is) was a blast.

'I'm in the band'. My friend Frank, a member of the fabulous band Sage.

A friend...

Rescue Dog and Worker

Sun, 27 Jun 2010 00:00:00 -0700

My good friend Erma loves jigsaw puzzles, and this is a favorite..

San Jose Redevelopment Agency to Keep Jobs

Fri, 25 Jun 2010 00:00:00 -0700

The agency created 100,000 last year-30% of the city's total new jobs. They are not only responsible for creating jobs, but also retaining existing ones.

Harry Mavrogenes, executive director of San Jose's Redevelopment Agency calls redevelopment
'self-funding'.

Good new for our city.

For more on his speech at the Almaden Valley Community Association, click here.

More Help for Homeowners

Fri, 25 Jun 2010 00:00:00 -0700

$700M in federal funds have been set aside to assist foreclosure prevention in California.

Among the highlights,

Assistance with past due-payments
Subsidy for unemployed homeowners to assist with mortgage payments
Assistance for short sale sellers and died-in-lieu of foreclosure sellers
Mortgage principal reduction for borrowers seriously underwater

There are no details at this point on the last issue, but they will target
only homeowner's first mortgage (i.e., purchase money loans) and
only owner-occupied homes.

All aspects of the program are expected to be available no later than
Nov.1, possibly too late for some homeowners.

Program details can be found at www.keepyourhomecalifornia.com

Old Listing Price Increases? Or How to Price a Home...

Wed, 23 Jun 2010 00:00:00 -0700

Yes, you read that right; some homeowners are actually increasing their initial listing price
weeks, even months after being on the market.

Now if they had made any improvements to the home in that time, this would be
warranted, but none of these listings that I have seen noted or drew attention to
this possibility. Any major repairs and improvements should really be made prior to the home
being put on the market, and a good Realtor would have covered this in their listing presentation.

I have yet to see these homes move any faster after increasing their listing price.
Maybe they are in a panic because they are seeing other homes in their neighborhood
being listed for more, and they want to catch the wave. Wrong! They have in effect
only shot themselves in the foot. Or can someone explain this to me? Haven't we
learned from our previous mistakes? These homeowners are either not listening
to their agents, or receiving bad advice .

MORTGAGE RATES ARE THE KEY!!

Thu, 17 Jun 2010 00:00:00 -0700

Historical lows on mortage rates. If you are financially stable, now is the time!!

Glee With Glee!

Fri, 11 Jun 2010 22:13:00 -0700

I never thought I'd like this show, but I love it! It wonderfully blends old song and dance, new song and dance,
dark comedy, high school clicks and more!

http://www.fox.com/glee/

Deferred Sales Tax Strategy

Fri, 11 Jun 2010 10:38:00 -0700

This may be an option for sellers who do not want to purchase another property through a 1031, but still want to defer taxes and receive a stream of income, depending on their equity and own personal situation.

You've heard of 1031s, and this is called a Deferred Sales Trust, and basically it is an IRS compliant strategy which allows property and business owners to defer their capital gains tax and potentially increase their retirement income. This is done through a trust, and the 1031 company handles the funds, which are highly stable, strong funds, receiving strong returns, and you receive an income stream based on your personal strategy. Depending on your situation, this sounds like a great investment strategy. Let me know if you'd like more information.

Charlie Wedemeyer; an Amazing Man

Wed, 09 Jun 2010 09:27:00 -0700

Inspirational coach Charlie Wedemeyer lost his 32 year battle with
Lou Gehrig's disease. I met Lucy several years ago where she
spoke at The Women's Council of Realtors, and she is an
amazing lady. My condolences to her and her family.

http://www.orovillemr.com/ci_15220030?source=most_viewed

Another Gorgeous Day Here in Almaden Valley

Sat, 05 Jun 2010 18:00:00 -0700

That's Mt. Umunhum in the background there.

Great Time at This San Jose Historical Site

Tue, 01 Jun 2010 14:44:00 -0700

Can you guess where this historical location is? (Hint; it was built at the turn of the century-the other one!, many dignataries visited this loation, and we spent the night...)

Tree Trimming on Stevens Creek Trail, Not TJ Martin/Jeffrey Fontana?

Wed, 26 May 2010 20:56:00 -0700

Interesting. It seems to be there's safety in numbers. PG&E is seeking a permit to trim back
trees on the Stevens Creek Trail, where there are power lines, but will be chopping them
down in Almaden's TJ Martin/Jeffrey Fontana Parks. What gives?

A little background from my previous blogs:

http://www.bayareahomesforyou.com/citizen/blog/show/1810

http://www.bayareahomesforyou.com/citizen/blog/show/1777

Good Will Ambassador Not Coming to Bay Area

Wed, 26 May 2010 20:53:00 -0700

U2 has had to postpone their tour until next year as the fabulous Bono injured himself
during rehearsal. :( Get well soon, Bono!

Almaden Home in a Cul-de-Sac!

Tue, 25 May 2010 15:18:00 -0700

Take a look at this beutiful home in Almaden. On a cul-de-sac, and move in ready! Only $849,000.

Call me at (408) 591-7778 for more information.

Campbell Home with Large Lot & Bonus Room

Sun, 23 May 2010 15:54:00 -0700

Lovely Campbell home with all the upgrades. Bonus room and large lot on a nice street. Regular sale!

http://www.youtube.com/watch?v=9clJY3r1S5U

Almaden's Efforts to Save the Trees

Sun, 23 May 2010 12:10:00 -0700

I attended the rally yesterday with about 60 other concerned residents. It was not surprising that there were
not as many people this time around, as PG&E, and the city have done a lot to downplay and stall the
urgency of this event. There are many discrepencies in their reports vs. those of concerned residents,
engineers, the Audobon Society, Sierra Club an more, who all had representatives at the rally.
A CBS interview prior to the rally.

Beware; Prop 16 is a wolf in sheep's clothing. This will give them more
carte blanche to many issues like these. Ask yourself; why would they fund this proposition?
A few interesting links:
http://www.mercurynews.com/opinion/ci_14719397

A short clip on the rally, and the old oak scheduled to be chopped down this June.

There was some very enlightening information on the truths behind the tree removals. CBS was also on hand to film the event, as well as a local radio station.

I Do Forever!!

Fri, 21 May 2010 09:16:00 -0700

San Jose just made the list of 100 U.S. cities you are least likely to live and divorce in.
(We're heading for 20!)(We're heading for 20!)

http://www.mercurynews.com/ci_15128245?IADID=Search-www.mercurynews.com-www.mercurynews.com

Some Good News for The Bay Area!

Thu, 20 May 2010 17:40:00 -0700

Tesla CEO Elon Musk announced Thursday evening that he would buy the defunct NUMMI auto manufacturing plant in Fremont and build cars there with Toyota.

Gov. Schwarzenegger said Toyota is investing $50 million in Tesla and the partnership will produce 1,000 new jobs in the short term. Tesla CEO Elon Musk said over the long-term he thinks the partnership will create 10,000 jobs.
Read more: Tesla to buy NUMMI plant, build cars with Toyota - San Francisco Business Times

See the full Business Times article at: http://www.bizjournals.com/sanfrancisco/stories/2010/05/17/daily65.html

Great news for many people out of work. 4700 jobs were lost when the plant was closed earlier this year. Will they rehire previous employees?

I Can Hear the Light!

Wed, 19 May 2010 17:29:00 -0700

Or can I? The famous U.N. study on whether cell phones cause cancer has
determined it is inconclusive. It hasn't been long enough, some people have
been found to have cancer on the side of their brain where they hold their
phones, so what's there to conclude? Be safe and use blue tooth devices
when you can (or when they work!).

Here is the study. You decide.

Empathy Nasal Spray

Tue, 18 May 2010 11:38:00 -0700

Just ran across this, and it's too much! I'm sure we all know someone who could
benefit from this: http://www.msnbc.msn.com/id/36877680/ns/health-behavior/

Prune Don't Kill/TJ Martin & Jeffrey Fontana Park Trees

Sun, 16 May 2010 10:31:00 -0700

Join TJ Martin and Jeffrey Fontana residents at a rally to save the 140 trees PG&E plans on
cutting down beginning this June.

The rally will take place on Saturday, May 22nd at 11am onthe corner of Golden Oak Way and
Costello Drive.

http://groups.google.com/group/tj-martin-jeffrey-fontana-parks?hl=en

Friday Night at......

Sun, 16 May 2010 10:24:00 -0700

Not too difficult to guess where this was..

More From New York! Test Your Knowledge

Sat, 15 May 2010 13:26:00 -0700

More photos from our trip to NYC..

FAO SCHWARTZ & THE PIANO. (Can you guess what movie this was in?) THIS IS THE EASY ONE-BUT WHO ARE THOSE PEOPLE??

ffWHICH CHURCH?

NAME OF THE POND BEHIND US AND LOCATION?

.KNOW THE NAME OF THIS BUILDING?

VIEW FROM WHERE?

WHERE GEORGE WASHINGTON WAS SWORN IN. WHO BUILT THE WALL, AND WHY?

Gorgeous Downtown Craftsman!

Fri, 14 May 2010 12:44:00 -0700

This one's a beauty. NOT REO or Short Sale, very motivated seller. Remodelled, new windows, pergo floor, high ceiling, crown molding, recess lights. Great family neighborhood.

Open House Sunday, May 16trh from 1-4pm. Stop on by!

602 N 17th

Almaden Neighborhood Stats

Thu, 13 May 2010 20:22:00 -0700

LOTS OF ACTIVITY IN OUR NEIGHBORHOOD!!

TJ MARTIN/JEFFREY FONTANA NEIGHBORHOOD

Status	List Price	List Date	Street Address	Bedrooms	Bathrooms	Sq Ft	DOM	Sale Price	COE
Pending	$919,000.00	4/30/2010	6050 MONTORO DR	5	2.5	2278	6	--	6/10/2010
Pending	$975,000.00	3/5/2010	1302 NANCARROW WAY	4	3	2614	25	--	6/1/2010
Pending	$779,988.00	3/1/2010	1420 VIA DEL LOS GRANDE	4	2	1752	50	--	6/4/2010
Pending	$844,500.00	2/23/2010	6134 CORTE DEL CONEJO	4	2.5	1974	64	--	5/20/2010
Pending	$799,000.00	1/25/2010	1276 NANCARROW WAY	4	2	1997	56	--	6/25/2010
Pending	$674,950.00	9/28/2009	6025 MERIDIAN AVE	4	2.5	2024	168	--	5/14/2010
Pending Release Clause	$819,999.00	5/2/2010	1562 MONTALBAN DR	4	2.5	2033	5	--	6/6/2010
Pending Release Clause	$899,000.00	4/19/2010	6379 FIREFLY DR	5	3	2350	7	--	9/3/2010
Pending Show	$925,000.00	4/17/2010	1384 VIA DEL LOS GRANDE	5	2.5	2084	3	--	5/27/2010
Pending Show	$785,000.00	4/14/2010	1494 OAK CANYON DR	3	2	1904	9	--	5/25/2010
Pending Show	$1,195,000.00	4/12/2010	6258 CALLE BONITA	5	4+	3297	12	--	5/21/2010
Pending Show	$799,900.00	4/9/2010	1436 MEDALLION DR	4	2.5	1977	18	--	5/27/2010
Pending Show	$799,850.00	3/24/2010	6129 CECALA DR	4	2.5	1950	13	--	5/28/2010
Sold	$830,000.00	4/2/2010	6391 GONDOLA WAY	5	3	2350	8	$800,000.00	5/7/2010
Sold	$775,000.00	3/17/2010	1536 GUADALAJARA DR	4	2.5	2013	6	$800,000.00	4/23/2010
Sold	$765,000.00	3/15/2010	6117 CECALA DR	3	2	1673	10	$758,000.00	5/5/2010
Sold	$1,128,000.00	3/8/2010	1458 MONTEGO DR	5	3	2901	8	############	5/3/2010
Sold	$999,000.00	3/6/2010	1260 BIG TALK CT	5	3	2529	21	$972,920.00	5/11/2010
Sold	$820,000.00	2/23/2010	6448 FIREFLY DR	4	2.5	2651	47	$799,900.00	5/5/2010
Sold	$899,000.00	1/25/2010	1490 OAK CANYON DR	4	2.5	2527	14	$899,000.00	3/22/2010
Sold	$689,000.00	1/17/2010	6226 VIA DE ADRIANNA	3	2	1630	3	$741,000.00	3/24/2010
Sold	$799,900.00	12/17/2009	1284 OAKGLEN WAY	4	2.5	2055	63	$780,000.00	3/19/2010
Sold	$700,000.00	11/19/2009	6429 FIREFLY DR	3	2	1375	120	$683,000.00	4/22/2010

Save The Almaden Swim Program

Thu, 13 May 2010 18:03:00 -0700

With all the cutbacks in park funding, it looks like this program will be one of the
victims if $70k cannot be reached yesterday. A real shame as this is a great
place for kids to hang out and stay out of trouble. It is scheduled to open June 16.

Recovery??

Tue, 11 May 2010 17:23:00 -0700

Media sources are reporting that the market is showing signs of recovery as prices are rising.

Whoa, Nelly. Don't shoot the messenger. As with any major reovery, we all know it takes a long
time, possibly years. Unemployment has been and will be a key indicator. Also, as you know,
if you have been receiving my emails, following my blogs and the reliable media, there are millions
of homeowners who have yet to receive Notice of Defaults and foreclosure notices. The
government programs have not even put a dent in the situation-the bureacracy is just too big.
They will have to proceed sometime. I receive regular updates on these NODs, and they are
increasing. You may also notice in the local papers that trustee sales are also on the rise this month.

So what we are seeing now is the usual traditional spring sellers (not your REOs or short sales) ,
not as many as usual, but these sellers most likely are anticipating this and taking advantage of what may be a small window of vopportunity.

Helping Seniors...

Mon, 10 May 2010 23:37:00 -0700

A few photos from my participation in RSVP (Realtor Service Volunteer Program). This year
I was team captain for the Willow Glen team. Had a few great people on my team and
met some wonderful people in need of assistance.

Betty White Rocks SNL

Mon, 10 May 2010 23:13:00 -0700

She put all the other hosts to shame! Maybe she'll beat out Alec Baldwin and Steve Martin
for the most times hosting SNL.

http://www.nbc.com/saturday-night-live/video/betty-white-monologue/1226076/

http://www.nbc.com/saturday-night-live/video/npr/1226057/

100 Year Historical Landmark

Sat, 08 May 2010 12:22:00 -0700

Ever wondered what the story behind that house wtih the historical
landmark sign was on the corner of Union and Los Gatos-Almaden Rd.
was? It was founded by 13 women in the summer of June 1892.

Here's the story behind the sign: http://www.mercurynews.com/san-jose-neighborhoods/ci_15035484

Trees vs. PG&E

Sat, 08 May 2010 12:05:00 -0700

So, if you've been keeping abreast of the fate of the trees in TJ Martin Park
and Jeffrey Fontana Park, there has been somewhat of a solution, although
no one wins.

The parks were created as part of an agreemetn with PG&E and the city which
permitted PG&E to have the right of way fortheir high voltage lines, and providing
residents in the area with neighborhood parks.

Initially 62 trees were to be removed in 2010, and 78 in 2011. That has been
changed to a multi-year plan that preserves most of the large Oak trees and
removes only 14 trees and allows for the trimming of four trees in June 2010.

To view a map of the trees to be removed, visit: http://www.sanjoseca.gov/district10/TJ-Fontana2map.PDF
and http://www.san joseca.gov/district10/TJ-Fontana1.PDF

A TJ Martin community member suggested a more detailed plan that made
a little more sense this year,that would preserve all the trees. Check it out
at: http://www.ornl.gov/info/ornlreview/v38_1_05/article11.shtml

Cost of Remodeling Expected to Rise Due to New (?) Law

Wed, 05 May 2010 20:18:00 -0700

True to Earth Day this year, contractors who remodel old homes built before 1978 are now required to certified by the EPA. This will raise the cost for these guys, which in turn will raise the cost of remodeling. (Most reputable companies in California were already doing this).

Jim Salata, friend Danny Salata's brother was featured in an article in The Willow Glen Resident, and noted it is a
complicated and individual issue for each home, but anything we can do to help the environment is helpful.

The DIY Academy at 1244 Bascom Ave. is offering four free classes on lead based paint removal on May 1st. wwww.diyacademy.com

The Best 55+ Living in Silicon Valley

Sat, 01 May 2010 18:24:00 -0700

I just visited The Villages in Silver Creek today, and was pleasantly surprised with
their facilities and pricing. Homes range from $189k(for a 2/2 with 1200+sf)-$1M+. HOAs are a bit higher
than customary, but they include golf membership, gym, pool, rec center, security, tennis and yard
maintenance. Not bad for such a nice community! If you'd like more information, please contact me
at 591-7778.

It Got Loud

Sat, 01 May 2010 16:16:00 -0700

OK, I got loud last night. The Eagles gave a great show at the HP last night.
Having Joe back makes a difference!

My not so good pictures...

A Very Zen Home in Willow Glen...

Sat, 01 May 2010 15:54:00 -0700

Stop on by to see this gorgeous home. I'll be hosting tomorrow, Sunday May 2nd
from 1-4. 1830 Bird Avenue, Willow Glen.

Songarongaphila®??

Wed, 28 Apr 2010 20:16:00 -0700

Back in the '80s (yes, back to the future), there was an HBO show called Not Necessarily the News. I remember
a segment with Rich Hall called Sniglets. Basically, Sniglets are any word that doesn't appear in the dictionary, but isn't.
I had one I liked back then, but I must have been watching reruns, so I wasn't able to submit mine. Never
got my t-shirt!

So here it is:

Songarongaphilia®: When you hear a song and cannot get it out of your head.

(What made me think of this, was I experienced this malady a few times in the past week or so-Aaargh!!)

Yes, I've trademarked this baby. (Maybe they'll make a movie out of it-ha, ha!)

A View From the Bridge

Mon, 26 Apr 2010 22:41:00 -0700

Photos from our walk on the Brooklyn Bridge. Jon's camera ran out of juice, so a good
thing I had my phone. Another gorgeous 75 degree day...

CALIFORNIA'S TAX CREDIT MONIES MAY GO FAST

Sun, 25 Apr 2010 14:38:00 -0700

ACT NOW! Not only is this month the deadline for the $8,000 federal tax credit, but the California tax credits may run out quickly..

The $100 million allocated for California's first-time homebuyer tax credits may be depleted in about 10 to 20 days or sooner, according to C.A.R.'s Economics team. California's Franchise Tax Board (FTB) plans to begin accepting applications on May 1, 2010 for tax credits up to $10,000 for first-time homebuyers and for homes that have never been previously occupied. However, the total tax credit allocation for all taxpayers is $100 million for first-time homebuyers and $100 million for new homes, both on a first-come, first-served basis.

C.A.R.'s forecast of 10 to 20 days to deplete the $100 million allocation for first-time home buyers is based on estimated May sales figures and other parameters. It does not take into account the possibility that buyers scheduled to close escrow in April may delay closing until May to take advantage of the tax credit. If a shift in closings from April to May occurs, the first-time homebuyer tax credits may be depleted even more quickly than indicated above.

Applications for the California tax credit must be faxed to the FTB after escrow closes. The FTB will update its website when the 2010 application form and other information become availablee.

REALTORS® are reminded not to give their clients any tax or legal advice, such as the availability of funds under the California tax credit program. Agents should encourage their clients to seek specific advice from an accountant, attorney, or other professional as they deem appropriate.

For more information, please refer to C.A.R.'s Homebuyer Tax Credit Chart 2010.

Metropolitan Museum of Art

Sun, 25 Apr 2010 11:39:00 -0700

Do NOT visit NYC and skip this place. Absolutely awe-inspiring. (You history buffs will need a whole week for
this alone. Considered the 2nd largest, impressive museum in the world, next to the Louvre.)

ROMAN CASTE

POMPEII FRESCOVAN GOGH SELF PORTRAIT

FROM 29 BC-RESCUED FROM DETERIORATION DUE TO RIVER NEAR NILE

TIFFANY WALL MOSAIC

HENRY VIII SUIT OF ARMOR

Times Square Video Art??

Sun, 25 Apr 2010 11:14:00 -0700

Witnessed this in Times Square a few weeks ago on the large MTV video screen across from MTV's headquarters.
The feed was at this location: http://www.earthcam.com/usa/newyork/timessquare/ on cam4.

No one knew what it was, but some of us thought it might be a sociology experiment; seeing what reactions
people would have to watching someone literally whip themselves into submission or whatever.

Here is a description and a link to MTV's page:

In Dissolution, wherein Abramović appears alone in a beautifully lit studio setting repeatedly lashing her bare back with a whip until she begins to tremble, the artist's focus returns to her ongoing exploration of the inextricable unity of body and mind. The title, Dissolution, references themes recurrent in Abramović's work, from violence and cultural memory, to testing the limits of her body in order to reach a higher state of consciousness

http://www.creativetime.org/programs/archive/44half/about.html

What do YOU think of this?

Naglee Park Historic Home Tour and a Little History on Taxes

Sat, 24 Apr 2010 14:42:00 -0700

Took the Naglee Park Home Tour today and no surprise-there are some
fabulous historic homes in this neighborhood. What I didn't know is that around the turn of that century, homeowners were
taxed on rooms, so the powers that be considered a closet another room, hence more taxes. This is why their closets
were so small. Always wondered where they put their stuff! Learn something new everyday...

Congressional reps ask feds to repay San Mateo County agencies millions of dollars lost in Lehman Brothers collapse

Fri, 23 Apr 2010 11:31:00 -0700

This is great. Way to go, ladies! Now let's see what, if anything transpires...
http://www.mercurynews.com/search/ci_14923574?IADID=Search-www.mercurynews.com-www.mercurynews.com

And while we're at it, what about Golman too? Truly shameful. Financial terrorism indeed...
http://articles.moneycentral.msn.com/Investing/Extra/HowGoldmanProfitedFromSubprimeMeltdown.aspx
http://sites.google.com/site/disclosuredelta/
http://www.youtube.com/watch?v=nXfTleqKr-U

NYC; Imagine...

Wed, 21 Apr 2010 17:11:00 -0700

The first of many photos from our great trip to NYC...

NYC-Central Park

Tue, 20 Apr 2010 17:17:00 -0700

Gorgeous day in Central Park overlooking Turtle Pond. What a walk!

Saratoga to Honor Village Gardeners

Wed, 07 Apr 2010 22:06:00 -0700

Today the Village Gardeners volunteers received recognition for
maintaining the Big Basin Way garden areas for 5 years. One of
many volunteers in our county who make our parks a great place!

A big thanks to all volunteers!

Housing Trust to Raise $10M

Tue, 06 Apr 2010 22:02:00 -0700

The Housing Trust of Santa Clara County, marking it's 10th anniversary, has launched
a new campaign to raise $10M in the next 2 years to assist 1,000 families into
purchasing new homes. $4.3 M has already been contributed. For more information,
visit www.housingtrustscc.org

Much needed assistance. in tough times.

Realtiy Check

Mon, 05 Apr 2010 09:27:00 -0700

I just attended another meeting of the SJREI (San Jose Real Estate Investment) Group, and the
guest speaker was Robert Campbell, author of Timing the Real Esate Market. Very informative,
and not for the faint-of-heart. If you would like a copy of his March newsletter, with all the
lowdown, call or email me if you dare.

Taxes & Losing Your Home

Sun, 04 Apr 2010 22:26:00 -0700

KNOW SOMEONE WHO LOST THEIR HOME LAST YEAR (TAX RELIEF)?

If they haven't already filed their taxes, they may want to hold off and wait until
the last minute (wait-you mean the usual?!), or file an extension, as the gov may
decide to forgive and not tax on the amount of debt relief. Currently, the state
of California taxes the amount of debt relief, however the feds do not

$18k In Tax Credits & Assistance for a Limited Time

Sun, 04 Apr 2010 22:14:00 -0700

18,000 IN COMBINED HOMEBUYER TAX CREDITS FOR A LIMITED TIME

Californians have a brief window of opportunity to receive up to $18,000 in combined federal and state homebuyer tax credits. To take advantage of both tax credits, a first-time homebuyer must enter into a purchase contract for a principal residence before May 1, 2010, and close escrow between May 1, 2010 and June 30, 2010, inclusive. Buyers who are not first-time homebuyers may use the same timeframes to receive up to $16,500 in combined tax credits if they are long-time residents of their existing homes as permitted under federal law, and they purchase properties that have never been previously occupied as provided under California law.

Under the federal law slated to soon expire, a first-time homebuyer may receive up to $8,000 in tax credits, and a long-time resident may receive up to $6,500, for certain purchase contracts entered into by April 30, 2010 that close escrow by June 30, 2010. Additionally, under a newly enacted California law, a homebuyer may receive up to $10,000 in tax credits as a first-time homebuyer or buyer of a property that has never been occupied. The new California law applies to certain purchases that close escrow on or after May 1, 2010 (see Cal. Rev. & Tax Code section 17059.1(a)(4)). California law generally allows buyers of never-occupied properties to reserve their credits before closing escrow, but buyers seeking to combine the federal and state tax credits will not be able to satisfy the timing requirements for such reservations (see Cal. Rev. & Tax Code section 17059.1(c)(1)(A)). Other terms and restrictions apply to both tax credits.

For more information, C.A.R. offers a Homebuyer Tax Credit Chart with a side-by-side summary of the federal and California laws. C.A.R. also offers a legal article entitled Homebuyer Tax Credit Update.

FIRST TIME HOME BUYER LOANS AND ASSISTANCE AVAILABLE

These include programs such as Closing Cost Assistance Programs, Mortgage Assistance Programs, and Mortgage Credit Certificates, all offered through Santa Clara County in cities such as San Jose, Santa Clara and Sunnyvale. Contact me an I'll put you in touch with the right person.

DeYoung Museum in SF

Sat, 03 Apr 2010 16:47:00 -0700

Wow, I ran across this great photo I took from the top of the DeYoung Museum in SF. You can
see the Golden Gate Bridge in the background and it was a gorgeous day in February. A must see!

Are They Smart Meters??

Wed, 24 Mar 2010 17:10:00 -0700

Just had our PG&E Smart Meter installed today. Curious; what has your experience been? Have you done any pre and post comparisons?

Capitola Day...

Mon, 22 Mar 2010 19:58:00 -0700

Wow, gorgeous day in Capitola today. How lucky to live in the Bay Area; Stanford, Capitola, San Francisco, Morgan Hill, Quicksilver Park and Monterey all in one month!

Abounding River

Sat, 20 Mar 2010 15:47:00 -0700

Played this game with some new friends and had lots of fun! Yes, it's chick thing, but not a silly chick thing. Worth it:

http://www.cafegratitude.com/boardgame

Stanford's Museum

Thu, 18 Mar 2010 19:12:00 -0700

Wow, I've lived here all my life and never been to Stanford's museum and cafe! Just had lunch and visited
with a friend there today. What a gorgeous day to sit outsideand have lunch. Not enough time to view much of the museum, but I'll be back!

Below is Rodin's version of Dante's The Gates of Hell, along with the plaque located at the front of the museum.

Why Loan Mods Dont' Work

Sat, 13 Mar 2010 12:04:00 -0800

For a long time many homeowners who are distressed have been trying unsuccessfully
to get their banks to allow them to modify their loans. Why are most of their attempts
unsuccessful? Below are some of the reasons:

These are non-performing loans that the banks would rather not have on their books.
(yes, they have been holding onto many properties, and not even placing notice of defaults,
but that will be changing).
Approximately 2/3 of homeowners who are granted a loan modification wind up
defaulting during or immediately after the 3 month trial period.
Homes are not appraising for market value, so the homeowner's loan is usually for
much higher.
If the bank thinks they will make more money by selling the home now, a loan mod
is not feasible to them.
The banks loss will be 40% on REOs, vs. 20% on short sales. If the bank grants the
homeowner a loan mod and they default on it, the homeowner will no longer fall into
the debt forgiveness category as the loan is now a recourse loan.

There are other reasons why the banks are not granting loan mods, but these are some
valid ones.

Intero Awards Ceremony

Fri, 12 Mar 2010 10:48:00 -0800

What a fun, inspiring and entertaining awards show! Even better than the Oscars at times.
Congrats to all winners and achievers...

Almaden Community Meeting

Mon, 08 Mar 2010 17:42:00 -0800

Don't let the trees in our park get cut down! Come make your voice heard. They plan to cut the trees on March 22!!!!!

PG&E is planning to cut and remove approximately 140 the trees in T.J. Martin and Jeffery Fontana Parks.

The meeting date is: March 3, Wednesday

Meeting time: 6:30 pm-8:00pm

Meeting location: Almaden Winery Community Center

5730 Chambertin Drive
San Jose, CA

At the meeting representatives from PG&E, Council person Nancy Pyle office, City of San Jose Parks and Recreation Department will present the details of the removal of approximately 140 trees.

According PG&E, these trees interfere with the overhead electrical lines. The trees were planted by the City of San Jose many years ago.

T.J. Martin Park Neighborhood Association, friends of T.J. Martin Park and Jeffrey Fontana Park have been communicating to Nancy Pyle's office that the trees should be trimmed and not cut and disposed as PG&E is proposing. If a tree must be cut because it is diseased, then it should be replaced on a three to one basis.

We have requested documentary evidence that shows what State and Federal laws allow PG&E to propose this action. Also we have asked for other documentation from the City and PG&E that would support this action. The City and PG&E have not responded.

AXIS ARTISTS

Mon, 08 Mar 2010 10:34:00 -0800

My sister-in-law, Judith participated as a guest artist in the downtown showcase event this weekend at The Axis.
Great stuff!

Almaden View

Sun, 07 Mar 2010 16:27:00 -0800

View from the trail at Quicksilver Park in Almaden on Saturday.

Buyers Shouldn't Wait

Sat, 06 Mar 2010 10:31:00 -0800

What's at stake in the next 6 weeks:

http://www.realtor.org/RMODaily.nsf/pages/News2010030203?OpenDocument

Assistance for Seniors: RSVP

Sat, 06 Mar 2010 10:30:00 -0800

Do you know of a senior who could use some help around the house? For one week in May,
RSVP (The Realtor's Volunteer Program), of which I have volunteered for the past 3 years
will assist seniors with chores. I've attached an application form (the deadline has been
changed, and we are still looking for people to assist). Below is me helping out a couple
of years ago. No Name

Important: Prevent Loan Scams!

Wed, 03 Mar 2010 19:55:00 -0800

Many troubled homeowners are being scammed. Please pass this site along to anyone
that may benefit from this: http://www.preventloanscams.org/

A Story of 3 Friends

Sat, 27 Feb 2010 18:49:00 -0800

If only we humans could learn from the story of Baloo the bear, Leo the lion and Shere Khan the tiger .

Scenes From a Saturday Walk in Almaden...

Sat, 27 Feb 2010 18:21:00 -0800

Tribute to a Life Well-Lived

Thu, 25 Feb 2010 21:46:00 -0800

February 25th, 1921, was the date my wonderful father-in-law was born.

Great husband, family man, mentor, IBM pioneer, fixer of everything, lover of travel and Yosemite(above), investor and friend to everyone he met, he was always worried about their not being enough time and needlessly concerned about whether he had done enough with his life. If we all could be like him!

He would have loved this blog stuff!

It's been over 2 years since you left us and you have left an incredible legacy. Happy Birthday, Jack.

With Love,

Your Family

Teen Gets License!

Wed, 24 Feb 2010 22:50:00 -0800

OK, so it's our teen. Blessing, curse, who knows. More money, either way, yes. No grumpy teen in the house
is always good news.

Can Dogs Open Doors?

Tue, 23 Feb 2010 22:22:00 -0800

Brandi, the Wonder Dog has done it again. This time upon picking her up at Pets Hotel, her report card stated
she had opened up the door all by herself. She's saved lizards, found 'ghosts', jumps 7 ft walls and can outchew
anyone. Her blog: http://www.myspace.com/mycaninelife

Bon Jovi!

Tue, 23 Feb 2010 22:10:00 -0800

Went to the Bon Jovi concert at HP Monday night. Never a big fan, but decided to go after being impressed by
their documentary. Not knowing that many of their songs, I was pleasantly surprised. by their quality and mix
of songs as well as what a great entertainer he is!

My favorites; Train, Hallelujaha (Leonard Cohen, who originated the song said he like Bon Jovi's best, and
I can see why), Keep the Faith, and a couple of other new ones that I unfortunately can't remember!

The Review

Skiing at Bear

Sat, 20 Feb 2010 22:18:00 -0800

Went skiing at Bear Valley on Thursday for the first time in almost 5 years! (I'm a fair weather skier, so this was the
perfect day for me. )However, it's a good thing we got there early, as after my 4th run, my boots started to shatter, and
by the time I got down to the rental area, there were bits and pieces of them all over the place! Fate was on my side,
as if it had happened on the slopes I'd have been going back on a stretcher! So it was a good day after all....

PG&E's TJ Martin Tree Removal

Thu, 11 Feb 2010 23:22:00 -0800

If you missed it, you missed a lot. What started out as civil got a little ugly.

The message; Don't mess with our trees!

Present were:

1.PG&E technicians, vegetation specialists, and utility arborist
2.Councilman Don Gage
3.Channel 7
4.At least 100 concerned neighbors and citizens
5.The local Audobon Society

A brief excerpt:
Those trees tagged with a light green paint are scheduled for removal (or per PG&E's terms 'work')
for 2010. Others will be or are tagged for removal next year. An undetermined number of those trees are old oak trees.
PG&E is paying for the removal of 25% of the trees in the TJ Martin Park, and claims the project
has nothing to do with budget cuts.

Transmission lines are required to be 27 ft. from the ground, with a 10 ft. clearance from the
trees to take into account occasional 'line sag'. Concerns are that power coverage as far as San Francisco, as well as potential danger issues can be affected in the event of contact.

The Audobon Society and neighbors involved in the nesting box project expressed concern
over the trees to be removed and that will not be relocated in time for the nesting season.

Topping was disccused and is considered an issue by PG&E due to continued need for
clearance and growth of trees, which neighbors discussed as varied based on individual
trees.

There was also discussion as to poor planning on PG&E's part and the option of raising
the tower lines or tower itself considering it is less than a 1/2 mile area and this has been
done in the past.

A number of attendees also questioned why, if PG&E was open to working with the community,
it had not attempted to do so more than one month prior to the scheduled removal of the trees.
When asked to provide specific information on each tree, they said they had the information,
but that it was not available to the public.

Neighbors also noted that Adopt-a-Park members have planted and nurtered many of these
trees for a number of years, and as a number of attendees noted; 'They are not your trees!"

Prior to my leaving, there was an agreement that approx. 10 selected community members
would walk the park with PG&E officials to review and discuss each tree scheduled for removal.
Community members recommended that an independent arborist be hired for this purpose, and
PG&E officials noted that their arborist was notably a utilities arborist, hired specifically for
these types of issues.

Your thoughts?

Some Were Calling it The New Willow Glen...

Thu, 11 Feb 2010 18:10:00 -0800

Campbell comes into it's own....

From the San Jose Mercury News:

Sweetbriar and Stonehurst, where residents are waging a determined campaign to get into what they are certain is Silicon Valley's most desirable dwelling destination.

San Jose's city limit is only a few hundred yards away, but that's not the velvet rope they're trying to slip under. These people are attempting to drive a stake through the municipal heart of the Bay Area's biggest city, planting yard signs that rise like middle fingers to declare: "We're For Campbell Annexation."

That's right, Campbell. These days everybody wants to be in Campbell.

"To me, it's more prestigious to say we're in Campbell," explained Lisa Dow, a real estate agent who lives in this unincorporated pocket of Santa Clara County that wants no part of San Jose. "Campbell is kind of the hip place now. Affordably hip."

With the city's sixth hotel — a 162-room Courtyard by Marriott on Creekside Way — opening Thursday, and with businesses such as Katie Bloom's Irish Pub and Chacho's Mexican restaurant moving to its downtown shopping district from San Jose, Campbell is viewed by some of its most recent transplants as the "anti-San Jose."

"Downtown San Jose is yukky," said Gabrielle Medrano, who moved her business, Gabrielle's Bridal Atelier, from Los Gatos next to the light-rail tracks on Campbell Avenue last year.

walk there by myself at night. I like being in a really safe place."

Campbell sits comfortably at the hub of San Jose, Los Gatos and Saratoga, much as Switzerland forms a beautiful bull's-eye amid France, Germany and Austria. According to Courtyard general manager Michael McClintock, Marriott picked Campbell in part because its guests can step out the door and board a light-rail train to HP Pavilion for a Sharks game, or be at eBay's headquarters in a matter of minutes. Campbell is in the middle of everything.

Youth movement

After decades of being known primarily for its prune and apricot orchards, today Campbell strikes a near-perfect balance between its past and present. Finding that delicate balance created a rare instance of strife among the city's downtown business association, which oversees a compact group of restaurants, boutiques, coffeehouses and bars. Its attempt to create a slogan for the lively four-block main drag finally had to be shelved.

"There was too much division over how we wanted to tie into our roots, versus the new, improved, hip place to be," said Neil Collins, executive director of the city's Chamber of Commerce. "The most difficult dynamic to manage is to be relevant to today, but honor your past."

That split is nowhere more obvious than a half-mile or so between the historic Pruneyard — still Campbell's biggest shopping center — and the kicky downtown, where the annual Prune Festival recently was re-christened "Boogie on the Bayou." Prunes no longer projected the proper image for a city whose inhabitants constitute a youth movement.

At 26, Mayor Evan Low is the embodiment of Campbell's kiddie constituency. As the youngest gay Asian mayor in the country, he also adds an element of diversity sizzle to City Hall.

Walking through Campbell's downtown farmers' market — the South Bay's best Sunday mix of produce and production values — Low is the smiling, open face of his city. "It's a small community, and we look out for each other," he said. "San Jose has different districts with competing interests. In Campbell we care about everyone; it doesn't matter which side of town you live on."

Walkable downtown

Campbell has its own set of problems, among them an unfunded effort to create a pedestrian corridor between downtown and the Pruneyard. And the Gaslighter Theater, a popular music venue, closed nearly four years ago after its owner, Mark Gaetano, was arrested three times for not having proper permits. He called the city "uncooperative and unwelcoming" before leaving town.

When the city of San Jose signaled some uncertainty three years ago over whether it wanted to extend services to the residents of that unincorporated frontier off Bascom Avenue, "Campbell said, 'We welcome you with open arms,' " Low recalled.

"San Jose is a major pain to deal with, and Campbell's so nice," said developer Steve McVay, who danced for eight seasons with Ballet San Jose but now wants into Campbell. "San Jose has got so many problems. Seriously, it's a nightmare."

By contrast, at the Recycle Bookstore in downtown Campbell, manager Stacy Carlon's biggest problem was trying to prepare her customers for the appearance of a new orange store cat, after the retirement of drowsy veteran ISBN. "I know we're going to have a lot of boo-hooing when people notice," she said.

When Recycle expanded beyond its original location on The Alameda in San Jose, it chose Campbell. There were no plans for a children's section, but Carlon quickly discovered the city was crawling with kids. "They kind of insisted," she said.

Tonight's Downtown Wine Walk, which begins at 6 p.m. and features 23 wineries, is but one of the town's constant round-robin of outdoor events, which include a First Friday stroll, Third Friday Artwalk and, to accommodate its dog-crazy populace, a newly added Waggin' Wednesdays. Many of the celebrants happily roll in by rail from San Jose.

"The light rail lands right here in downtown. It doesn't take you half a mile away, so then you have to walk to the downtown," said Sonya Paz, whose art gallery recently relocated to Campbell Avenue. "I'm not going to diss other cities that I looked at, but I found that the four blocks of downtown Campbell may be petite, but it packs a wallop."

"It's a really happy, bustling place, almost like a little hippie town," said Nicole Lissane, a wedding planner who is Medrano's business partner. "A lot of people associate surrounding towns like Los Gatos, Saratoga and Willow Glen with a little bit stuffier feel."

"People used to say we were the next Los Gatos," said Low. "They don't say that anymore." Not long ago, the merchants association from Los Gatos — with its famously bustling little downtown — sought advice on how to generate foot traffic from Campbell.

That's right. Campbell.

Banks Begin to Improve Short Sale Process

Thu, 04 Feb 2010 23:16:00 -0800

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

The Year You Were Born

Tue, 02 Feb 2010 23:21:00 -0800

Fun site from my friend Estelle:

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

TJ Martin & Fontana Park Tree Removals!

Tue, 02 Feb 2010 17:30:00 -0800

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.

Saving Homes, Birds, What Next?

Fri, 29 Jan 2010 17:35:00 -0800

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.

Selling? You Better Learn About This...

Wed, 27 Jan 2010 23:56:00 -0800

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.

FREE Workbook on Avoiding Foreclosure

Sun, 24 Jan 2010 17:50:00 -0800

Are you or someone you in know behind on your mortgage payments? As a Certified Property Distress Expert, I am qualified to assist you. Contact me at (408) 591-7778 for a Free Workbook on Avoiding Foreclosure.

Having completed the CDPE’s extensive training in foreclosure avoidance and short sales I have invaluable expertise to offer at a time when the area is ravaged by “distressed” homes in the foreclosure process.

With plummeting property values, this can save many people from foreclosure and even bankruptcy. It is happening in all price ranges. More and more lenders are willing to consider short sales because they are much less costly than foreclosures, and the tide is beginning to turn as more banks adopt less complicated guidelines.

Alex Charfen, founder of the Distressed Property Institute in Boca Raton, Fla., said that Realtors® such as myself with the CDPE designation, the premier designation for Realtors helping homeowners in distress and handling short sales, have valuable training that can offer the homeowner much better alternatives to foreclosure, which virtually destroys the credit rating. These experts also may better understand market conditions and can help sellers through the emotional experience, he said.

For more information about CDPE designation or to find a certified distressed Realtor in your area, view the CDPE website at www.cdpe.com

Foreign Real Estate Investors Favor the U.S.

Fri, 22 Jan 2010 21:07:00 -0800

If this is true, then all the more reason for those who can to buy soon. View article.

95120 T Shirts

Thu, 21 Jan 2010 19:08:00 -0800

Live in 95120 and want a t-shirt? Let me know, and for the first 10 95120 residents
who contact me, I'll send you one!

1st 95120 Night; Were You There?

Thu, 21 Jan 2010 18:50:00 -0800

Almaden Lifestyle Magazine and The Sonoma Chicken Coop hosted the first 95120 Night Out. Lots of fun, mingling and
networking. A good turnout, even with the weather!

Thanks Chrissy, Will and Matt, and everyone else!

Downtown San Jose Supply & Demand

Wed, 20 Jan 2010 16:09:00 -0800

This graph shows homes placed on the market for each month during the past year. Central San Jose, with it's wide of styles and locations, has seen a lot of foreclosures and short sales, hence the higher inventory levels.

Willow Glen Supply and Demand

Wed, 20 Jan 2010 16:01:00 -0800

Fewer homes for sale than a year ago. Good for both buyers and
sellers, in although we all know homes won't fetch what they did in the last few years.

Almaden Supply and Demand

Wed, 20 Jan 2010 15:53:00 -0800

Inventory is low, but still outpacing sales. April saw the greatest number of single family homes for sale. Great news for sellers, and buyers alike, but as we all know, homes won't fetch what they did in the past few years. Contact me for more information on your Almaden Neighborhood.

FHA Waives 90 Day Flipping Rule

Sun, 17 Jan 2010 12:13:00 -0800

To help speed home sales and improve conditions in neighborhoods, HUD has
temporarily suspended the 90 day rule. Good news on all sides, and should
help stimulate sales. http://portal.hud.gov/portal/page/portal/HUD/press/press_releases_media_advisories/2010/HUDNo.10-011

The Trouble with Short Sales

Sun, 17 Jan 2010 12:01:00 -0800

Big Banks Accused of Fraud. (Yes, I have had this happen during a transaction).

CASH INVESTORS NEEDED FOR SHORT SALES

Thu, 14 Jan 2010 23:19:00 -0800

Update: If you are a cash investor, then you are aware of the current changes in the market. Currently,
the Home Buyer Tax Credit, which does not apply to you, will expire this April 30th. This means
that short sales, which will , become easier, and will not be an option for many home buyers who are not investors like yourself,
will be your next opportunity.

This is based on several reliable and trusted sources. As you are aware, many more short sales will
be on the market this year due to ARM resets, shadow inventory and recent expiration of moratoriums.
Everyone is looking for the REO bargain, which are harder to come by and in very high demand.
Be a part of the opportunities the near future has to offer.

Investors: If you are looking for a Realtor who:

Is easy to work and partner with
Is willing to tell you the truth and only the truth
Is responsive and reliable
Is service-oriented
Provides you with the information you need
Wants you to profit, succeed and exceed your goals

Then we would work well together.

Contact Lisa at:
(408) 591-7778
LWiseman@InteroRealEstate.com

95120 Party at The Chicken Coop!

Wed, 13 Jan 2010 18:46:00 -0800

Join friends, neighbors and businesses at The Chicken Coop on January 20th at 6pm. All night happy hour
hosted by The Chicken Coop in Almaden. RSVP Here.

Behind on Your Payments, or Close?

Wed, 13 Jan 2010 18:45:00 -0800

Contact me at (408) 591-7778 for a Free 40 PageWorkbook on How to Avoid Foreclosure.

Converting a Primary Residence to Rental with Both Write Offs

Mon, 11 Jan 2010 18:04:00 -0800

Yes, it can be done. From Otis Clay at the Asset Exchange Company:

Example

The couple moves out of their $1MM property and converts the property to a rental. After 16 months the property has been established as a rental and can qualify for a 1031 Exchange. However since the property was also a primary for two of the past five years, the property will also qualify for the Homeowners Exemption. Of the $900K gain in the property, the first $500K will be tax free due to the Homeowners Exemption, the excess $400K gain will be tax deferred due to the 1031 Exchange.

Several steps must be taken to put this Option into play:

The couple must move out.
The couple must rent out the $1M home.
After 16 months Agent Jones will need to list the $1MM property.
Once the $1M property sells, the couple will need to purchase replacement property to complete the 1031 Exchange.

The couple can acquire a commercial Tenant in Common that requires absolutely no management. They can also consider a NNN property, such as a Walgreens. Also, if the couple would like to own vacation property in a resort town, this is an ideal way in which to acquire it.

If the couple chooses Agent Jones as their Realtor and chooses option #2, the clients will save $100,000 in taxes.

In this scenario, everyone wins.

If you would like to discuss the strategy discussed in this article, please do not hesitate to contact Asset Exchange Company at 877-471-1031.

Guadalupe Oak Grove Sunset

Sun, 10 Jan 2010 16:41:00 -0800

Another great sunset at the top of Guadalupe Oak Grove Park.

Gumby's Creator

Sun, 10 Jan 2010 16:37:00 -0800

Gumby and Pokey's creator, Art Clokey just passed away. Here's a great clip on Gumby: http://www.metacafe.com/watch/596660/gumby_rocks/

Quicksilver Park in Almaden

Sun, 03 Jan 2010 17:05:00 -0800

More photos from today's hike through Quicksilver. We are so fortunate to have this beautiful resource in our backyards!

The Santa Cruz Mountains Fire

Sun, 03 Jan 2010 16:52:00 -0800

Found this photo of the Santa Cruz Mountains fire from several months ago. Taken from Hwy 1 heading north. (At a stop, of course)

WILLOW GLEN REAL ESTATE MARKET TRENDS & STATISTICS

Sat, 02 Jan 2010 17:03:00 -0800

Trends At a Glance Dec. 2009 Previous Month

Average Sales Price $780,245 $737,971

Active 100 74

Pending 25

No. of Sales 55 53

Days on Market 86 97

A fairly stable market at this time!

Median Sale Price

More 95125 Home Values

ALMADEN REAL ESTATE MARKET TRENDS & STATISTICS

Sat, 02 Jan 2010 17:01:00 -0800

Trends At a Glance Dec. 2009 Previous Month

Average Sales Price $986,177 $877,077

Active 46 30

Pending 5

No. of Sales 26 21

Days on Market 69 100 A

lmaden, like many real estate markets, has several communities. Not all reflect the pricing and activity seen in this graph. Contact me should you have any questions or need an accurate analysis of the current value of your home.

Median Sale Price

More 95120 Home Values

DOWNTOWN SAN JOSE REAL ESTATE MARKET TRENDS & STATISTICS

Sat, 02 Jan 2010 16:55:00 -0800

Trends At a Glance Dec. 2009 Previous Month Average Sales Price $413,384 $448,340 Active 95 60 Pending 33 No. of Sales 51 43 Days on Market 83 106 What a wild graph! We all know downtown is a very eclectic area in terms of home styles and prices, and this graph reflects that.

Median Sale Price

Bagpipe Lang Syne

Fri, 01 Jan 2010 12:47:00 -0800

While taking a walk to Guadalupe Oak Grove Park, I ran into a couple who had just adopted their friend's 6 year old golden retriever. Their 11 year old lab had just passed away last month as well as this woman's mother. It made me reflect on those I knew who had passed away this year, and I was grateful to just be walking on such a beautiful day. It also made me think as I tend to, of all the stories walking past us every day.

There were an amazing amount of people out walking on the first day of the year, and everyone was happy to have
a 3 or 4 day reprieve from their jobs(well, most of them, that is). I'm sure they were all wondering why it can't always
be this way, more time to spend with our families, friends, and ourselves, as in other countries.

While walking in Guadalupe Oak Grove Park, a beautiful wooded park in Almaden Valley, the resident bagpipe player began pplaying Auld Lang Syne, then Amazing Grace, sometime before sunset. It was clear many people had never heard him play before, and most stopped and listened, reflecting on the old year and the beautiful day before us. I couldn't help but stop for awhile as well, much to the chagrin of Brandi, my four-legged companion.

A great way to start the new year.

Brandi's Pawgress Report

Wed, 30 Dec 2009 17:39:00 -0800

MY LATEST PAWGRESS REPORT FROM PETSHOTEL, 12/29/09:

http://www.myspace.com/mycaninelife

Medicare Enrollment Deadline

Tue, 29 Dec 2009 15:47:00 -0800

The deadline for seniors to enroll in Medicare's open enrollment plan is Thursday, Dec. 31st.
http://www.cms.hhs.gov/center/openenrollment.asp

Marley & Me Fans

Tue, 29 Dec 2009 15:31:00 -0800

This is a great book, especially for dog lovers and racing fans. I enjoyed it more than Marley & Me;
a real page turner. I loved it! http://www.garthstein.com/arr/

FREE Drug Prescription Cards

Mon, 21 Dec 2009 13:34:00 -0800

Santa Clara County offers free discount drug cards-no restrictions: http://ping.fm/iLiXV

6 Top Scams Today

Sat, 19 Dec 2009 14:20:00 -0800

Scamming hard-working people out of their money has always been an issue, but
is even more so with the current economic crisis. 30.2 million adults are victims
of one or more of these frauds listed every year).Below are the top 6 most common
scams:

Mortgage Fraud (foreclosure rescue, loan modifications, reverse mortgages, predatory
lending, etc.) Up 173% this year.
Unauthorized Credit Card Charges. (Not just an upswing during the holidays this year)
Overpayment Scams. (You receive a payment larger than what you owe, scammers
instruct victims to return the money to them, acquiring personal info in the process).
Identity Theft
Insurance Fraud (Increases everyone's premiums)
Computer Scams

Organizations to Contact if you have been a victim:

Consumer Affairs: consumeraffairs.com
National Insurance Crime Bureau: nich.org
Federal Bureau of Investigation: fbi.gov
https://tips.fbi/gov
Dept. of Housing & Urban Deveopment: hud.gov/offices/oig

Contact a qualified expert in identity theft through someone you know, or I can provide
you with a reference.

Almaden Whole Foods

Sat, 19 Dec 2009 10:43:00 -0800

Almaden Whole Foods is set to open in August of 2010. We're all looking forward to this one!

New HAFA Guidelines for Home Mods

Sat, 19 Dec 2009 10:32:00 -0800

New HAFA (Home Affordable Foreclosure Alternatives) program guidelines on short sales & mods.
Hopefully it works this time!

Click here for more details.

Sharks Message?

Sat, 19 Dec 2009 10:30:00 -0800

Went to Sharks game and they won. Great seats, and had fun, but what's with encouraging them to fight? Sends kids the wrong message.

More Foreclosures

Sat, 19 Dec 2009 10:24:00 -0800

The banks are holding back on foreclosures until sometime in January, but more
or on the horizon. View this article.

Willow Glen Market Activity

Sat, 19 Dec 2009 10:23:00 -0800

Out of 194 SFH listings in Willow Glen, 110 are active, 47 pending, and 27 have sold since November.

Downtown San Jose Activity

Sat, 19 Dec 2009 10:20:00 -0800

Out of 231 SFH listings in Downtown San Jose, 114 are active, 94 pending, and 23 have sold since November. 92 of these are short sales.

Almaden Market Activity

Sat, 19 Dec 2009 10:20:00 -0800

Out of 85 SFH listings in Almaden, 48 are active, 27 are pending, and 10 have sold since November.

FHA Buyers, Buy NOW

Thu, 10 Dec 2009 18:20:00 -0800

Some of the sweeping changes that will be taking place for FHA buyers are below, from
our CEO.

A good reason to buy now....

More Money Down. One of the big reasons that FHA loans have been so popular over the years was low down-payment requirements -- just 3.5%. FHA’s withering balance sheet, however has the agency requiring that buyers put more money down. The new down-payment requirement? As high as five percent.

Higher Fees. Fees for FHA loans have always been high. There are upfront and annual fees that borrowers must pay, which the agency uses to reimburse lenders in the event of default. The fees are already as high as the law will allow, but the agency is considering asking for increases.

Better Credit. Mr. Donovan said that the agency would, at least for now, increase the minimum credit score for new borrowers. The FHA’s current low-limit is a score of 500, though it’s important to note that most of the lenders funding FHA loans won’t accept a score of below 620, even now.

Lower Debt-to-Income Ratios. FHA has been lenient in the past, making exceptions with people with higher debt-to-income ratios (DTI) in the event of extenuating circumstances or those with longer credit histories. No more. The maximum allowable DTI will be 45%. This means that if your debt is more than 45% of your total income, you won’t be approved.

These changes will likely be implemented in early 2010, with the first kicking in during the first week of January.

The bottom line is that with the new FHA guidelines, a borrower’s bottom line will have to be straight, narrow, and raised much higher.

Don't Want to Get Out & Ask ?s About a Property For Free?

Fri, 04 Dec 2009 22:24:00 -0800

Text 59559 for all information on a home for sale if you don't want to get out and ask questions. It's fast and FREE!!

Star 'Tech'

Sun, 29 Nov 2009 17:19:00 -0800

Me at the Star Trek exhibit at The Tech....

The Tax Credit; Why It's So Important

Mon, 23 Nov 2009 18:32:00 -0800

Much has been said about the true cost of the tax credit, but this article
explains the true importance.

Counting Saturdays with Marbles

Thu, 19 Nov 2009 12:22:00 -0800

You may have received this as an email, and I don't know who to credit this to, but I found
it worth sharing. Could you do this?

A few weeks ago, I was shuffling toward the garage with a steaming cup of coffee in one hand and the morning paper in the other. What began as a typical Saturday morning turned into one of those lessons that life seems to hand you from time to time. Let me tell you about it:

I turned the dial up into the phone portion of the band on my ham radio in order to listen to a Saturday morning swap net. Along the way, I came across an older sounding chap, with a tremendous signal and a golden voice. You know the kind; he sounded like he should be in the broadcasting business. He was telling whom-ever he was talking with something about 'a thousand marbles.' I was intrigued and stopped to listen to what he had to say

'Well, Tom, it sure sounds like you're busy with your job. I'm sure they pay you well but it's a shame you have to be away from home and your family so much. Hard to believe a young fellow should have to work sixty or seventy hours a week to make ends meet. It's too bad you missed your daughter's 'dance recital' he continued. ;'Let me tell you something that has helped me keep my own priorities.' And that's when he began to explain his theory of a 'thousand marbles.'

'You see, I sat down one day and did a little arithmetic. The average person lives about seventy-five years. I know, some live more and some live less, but on average, folks live about seventy-five years.

'Now then, I multiplied 75 times 52 and I came up with 3900, which is the number of Saturdays that the average person has in their entire lifetime. Now, stick with me, Tom, I'm getting to the important part.

It took me until I was fifty-five years old to think about all this in any detail', he went on, 'and by that time I had lived through over twenty-eight hundred Saturdays.' 'I got to thinking that if I lived to be seventy-five, I only had about a thousand of them left to enjoy. So I went to a toy store and bought every single marble they had. I ended up having to visit three toy stores to round up 1000 marbles I took them home and put them inside a large, clear plastic container right here in the shack next to my gear.'

'Every Saturday since then, I have taken one marble out and thrown it away. I found that by watching the marbles diminish, I focused more on the really important things in life.

There's nothing like watching your time here on this earth run out to help get your priorities straight.'

'Now let me tell you one last thing before I sign-off with you and take my lovely wife out for breakfast. This morning, I took the very last marble out of the container. I figure that if I make it until next Saturday then I have been given a little extra time. And the one thing we can all use is a little more time.'

'It was nice to meet you Tom, I hope you spend more time with your family, and I hope to meet you again here on the band. This is a 75 Year old Man, K9NZQ, clear and going QRT, good morning!'

You could have heard a pin drop on the band when this fellow signed off. I guess he gave us all a lot to think about. I had planned to work on the antenna that morning, and then I was going to meet up with a few hams to work on the next club newsletter.

Instead, I went upstairs and woke my wife up with a kiss. 'C'mon honey, I'm taking you and the kids to breakfast.' 'What brought this on?' she asked with a smile. 'Oh, nothing special, it's just been a long time since we spent a Saturday together with the kids. And hey, can we stop at a toy store while we're out? I need to buy some marbles.

Credit After Foreclosure, Bankruptcy, or Short Sale

Thu, 19 Nov 2009 12:21:00 -0800

Credit After Foreclosure, Bankruptcy, or Short Sale From C.A.R.

One of the concerns a consumer has after experiencing a bankruptcy, foreclosure, or short sale (referred to as a "preforeclosure sale" by Fannie Mae) is the ability to obtain credit to purchase another home. Fannie Mae has updated its credit guidelines. This legal article summarizes those guidelines in Part I. In addition, since lenders use FICO scores in order to determine the creditworthiness of a borrower, this article covers the impact of a bankruptcy, foreclosure or short sale on FICO scores in Part II.

I. Fannie Mae Credit Guidelines

Q 1. How long is the time period after a foreclosure before a consumer can be eligible to obtain credit to purchase a home?

A Five years from the date the foreclosure sale was completed.

Additional requirements that apply after 5 years and up to 7 years following the completion date are as follows:

^. The purchase of a principal residence is permitted with a minimum 10 percent down payment and minimum representataive credit score of 680.

^. Purchase of a second home or investment property is not permitted.

^. Limited cash-out refinances are permitted for all occupancy types pursuant to the eligibility requirements in effect at that time.

^. Cash-out refinances are not permitted for any occupancy type.

(Source: FNMA Announcement 08-16, 6-25-08 )

Q 2. Why do the additional requirements for foreclosures in Question 1 only apply from 5 to 7 years following the foreclosure completion date?

A According to Fannie Mae policy in Part X, Section 103 of the Selling Guide, Fannie Mae requires only a 7-year history to be reviewed for all credit and public record information. The 7-year timeframe also aligns with the information provided by the borrower on the loan application relative to disclosure of a past foreclosure action. (Source: FNMA Selling Guide, 4-1-09. )

Q 3. Does a shorter time period apply if the borrower has "extenuating circumstances" that led to the foreclosure?

A Yes. Three years from the date the foreclosure sale was completed. The same additional requirements apply as listed in Question 1 except the minimum credit score of 680 is not required. (Source: FNMA Announcement 08-16, 6-25-08. )

Q 4. What are"extenuating circumstances" ?

A Fannie Mae describes "extenuating circumstances" as follows:

Extenuating circumstances are nonrecurring events that are beyond the borrower's control that result in a sudden, significant, and prolonged reduction in income or a catastrophic increase in financial obligations.

If a borrower claims that derogatory information is the result of extenuating circumstances, the lender must substantiate the borrower's claim. Examples of documentation that can be used to support extenuating circumstances include documents that confirm the event (such as a copy of a divorce decree, medical bills, notice of job layoff, job severance papers, etc.) and documents that illustrate factors that contributed to the borrower's inability to resolve the problems that resulted from the event (such as a copy of insurance papers or claim settlements, listing agreements, lease agreements, tax returns (covering the periods prior to, during, and after a loss of employment), etc.).

The lender must obtain a letter from the borrower explaining the relevance of the documentation. The letter must support the claims of extenuating circumstances, confirm the nature of the event that led to the bankruptcy or foreclosure-related action, and illustrate the borrower had no reasonable options other than to default on their financial obligations.

(Source: FNMA Selling Guide, 4-1-09 at 391. )

Q 5. How long is the time period after a deed-in-lieu of foreclosure before a consumer can be eligible to obtain credit to purchase a property?

A Four years from the date the deed-in-lieu was executed.

Additional requirements that apply after 4 years and up to 7 years following the completion date are as follows:

^. Borrower may purchase a property secured by a principal residence, second home, or investment property with the greater of 10 percent minimum down payment ro the minimum down payment required for the transaction.

^. Limited-cash-out and cash-out refinance transactions secured by a principal residence, second home, or investment property are permitted pursuant to the eligibility requirements in effect at that time.

(Source: FNMA Announcement 08-16, 6-25-08. )

Q 6. Does a shorter time period apply if the borrower has "extenuating circumstances" that led to the deed-in-lieu of foreclosure?

A Yes. Two years from the date the deed-in-lieu was executed. The same additional requirements apply as listed in Question 4 after 2 years up to 7 years. (Source: FNMA Announcement 08-16, 6-25-08. )

See Question 4 for the definition of "extenuating circumstances."

Q 7. How long is the time period after a "preforeclosure sale" before a consumer can be eligible to obtain credit to purchase a property?

A Two years from the completion date. No exceptions are permitted to the 2-year period due to extenuating circumstances. (Source: FNMA Announcement 08-16, 6-25-08. )

Q 8. What is a "preforeclosure sale" mentioned in Question 6 and is that the same as a short sale?

A "A preforeclosure sale involves the sale of the property by the borrower to a third party for less than the amount owed to satify the delinquent mortgage, as agreed to by the lender, investor, and mortgage insurer" (Source: FNMA Announcement 08-16, 6-25-08 ).

Although the terms preforeclosure sale and short sale have been used interchangeably, there is a significant difference for purposes of obtaining credit. For Fannie Mae purposes, a preforeclosure assumes that the borrower has been delinquent in paying his or her mortgage and the lender agrees to accept a lesser amount to avoid the time and expense of a foreclousre action. A short-sale, however, can also refer to situations in which the lender of the mortgage agrees to a payoff of a lesser amount than is actually owed, even on a current mortgage, to faciiate the sale of teh property to a third party. (Source: FNMA Announcement 08-16 Q&A, 8-13-08. )

Q 9. Does a shorter time period apply if the borrower has "extenuating circumstances" that led to the preforeclosure (short) sale?

A No. There are no exceptions to the 2-year time period. (Source: FNMA Announcement 08-16, 6-25-08. )

Q 10. If a borrower sold his or her property as a short sale but was never delinquent on that mortgage and is now attempting to purchase a new primary residence, will Fannie Mae purchase the loan?

A The loan will be eligible for delivery to Fannie Mae provided that the borrower's previous mortgage history complies with Fannie Mae's excessive prior mortgage delinquency policy--that is the borrower does not have one or more 60-, 90-, 120-, or 150-day delinquencies reported within the 12 months prior to the credit report date--and the borrower has not entered into any agreement with the short sale lender to repay any amounts assoicated with the short sale, including a deficiency judgment. (Source: FNMA Announcement 08-16 Q&A, 8-13-08 ; FNMA Selling Guide, Part X, Chapter 3, Section 302.09. .)

Q 11. Are preforeclosure (short) sales and deed-in-lieu of foreclosure actions identified on a credit report?

A Preforeclosure sales may be reported as "paid in full" with a "settled for less than owed" remarks code, and the mortgage tradeline would indicate any recent delinquency. A deed-in-lieu may be reported by a remarks code indicating a deed-in-lieu. (Source: FNMA Announcement 08-16 Q&A, 8-13-08. )

Q 12. How long is the time period after a bankruptcy (all except Chapter 13) before a consumer can be eligible to obtain credit to purchase a property?

A Four years from the discharge or dismissal date of the bankruptcy action (Source: FNMA Announcement 08-16, 6-25-08 ).

Q 13. How long is the time period after a Chapter 13 bankruptcy before a consumer can be eligible to obtain credit to purchase a property?

A Two years from the discharge date and four years from the dismissal date (Source: FNMA Announcement 08-16, 6-25-08 ).

Q 14. Does a shorter time period apply if the borrower has "extenuating circumstances" that led to the bankruptcy (all actions)?

A Yes. Two years from the discharge or dismissal; however, no exceptions are permitted to the 2-year time period after a Chapter 13 discharge (Source: FNMA Announcement 08-16, 6-25-08 ).

See Question 4 for the definition of "extenuating circumstances."

Q 15. How long is the time period after multiple bankruptcy filings before a consumer can be eligible to obtain credit to purchase a property?

A Five years from the most recent dismissal or discharge date for borrowers with more than one bankrutcy filing within the past 7 years (Source: FNMA Announcement 08-16, 6-25-08 ).

Q 16. Does a shorter time period apply if the borrower has "extenuating circumstances" that led to the multiple bankruptcies?

A Yes. Three years from the most recent discharge or dismissal date. The most recent bankruptcy filing must have been the result of extenuating circumstances. (Source: FNMA Announcement 08-16, 6-25-08. )

See Question 4 for the definition of "extenuating circumstances."

Q 17. What is the difference between a Chapter 13 bankruptcy and a Chapter 7 bankruptcy?

A Chapter 13 permits a borrower with a regular income to propose a plan to repay some or all of his or her obligations over a period of up to five years. A borrower who files a Chapter 7 is permitted to retain exempt assets and receive a discharge of the borrower's debts. Chapter 7 is a relatively quick liquidation process that is generally completed within 120 days. Chapter 7 cases are rarely dismissed. (Source: FNMA Announcement 08-16 Q&A, 8-13-08. )

Q 18. What is the difference between a Chapter 13 dismissal and a Chapter 13 discharge?

A A borrower who files a Chapter 13 can dismiss the case at any time (voluntary dismissal) or the case may be dismissed by the court based on the borrower's failure to comply with the requirements of the Bankruptcy Code or to make the required payments. If the borrower who files a Chapter 13 case makes all of the payments required by the plan, the borrower receives a discharge at the end of the plan. A borrower who doesn't make all the payment required by the plan may still receive a discharge if the court finds, among other things, that the borrower made a certain amount of the payments and the borrower's failure to make all of the payments was due to circumstances beyond the borrower's control. (Source: FNMA Announcement 08-16 Q&A, 8-13-08. )

Q 19. What are the requirements to re-establish a credit history?

A After a bankruptcy or foreclosure-related action, a credit history must meet the following rquirements to be considered re-established:

^. It must meet the requirements for elapsed time (as discussed in this article.

^. It must reflect that all accounts are current as of the date of the mortgage application.

^. it must include a minimum of four credit references. At least one of the references must be a traditional credit reference, and one of the references must be housing-related.

A housing-related reference must cover the period following the bankruptcy discharge or dismissal, foreclosure, or deed-in-lieu, and can be in the form of mortgage payments or rental payments.

If rental payments wre not reported to the crdit repositories, the lender must obtain copies of bank statements, money orders, or cnacled checks for the most recent 12-mnth period as a supplement to the rent verification.

^. It must reflect three of the four credit references, including rental housing references, as active in the 24 months preceding the date of the mortgage application.

^. It must include no more than two installment or revolving debt payments 30 days past due in the last 24 months.

^. It must include no installment or revolving debt payments 60 or more days past due since the discharge or dismissal of the bankruptcy or the completion of the foreclosure-related action.

^. It must include no housing debt payments past due since the discharge or dismissal of the bankruptcy or the completion of the foreclosure-related action.

^. It must include no new public records since the discharge or dismissal of the bankruptcy or the completion of the foreclousre-related action. Public records include bankruptcies, foreclousres, deeds-in-lieu, preforeclosure sales, unpaid jdugments or collections, garnishments, liens, etc.

(Source: FNMA Selling Guide, 4-1-09 at 392. )

II. Bankruptcy, Foreclosure, and Short Sale and the Impact on a FICO® Score

Q 20. What is a FICO® Score?

A A FICO® score is a number representing the creditworthiness of a person or the likelihood that person will pay his or her debts. The three credit reporting agencies, Equifax, Experian, and TransUnion, collect data about consumers in order to compile credit reports. The credit agencies use FICO® software to generate FICO® scores, which are then sold to lenders. Actually FICO® is just one of the several credit scoring systems available. The Fair Isaac Corporation (known as FICO®) created the first credit scoring system in 1958. Others are NextGen, VantageScore, and the CE Score. They all evaluate the creditworthiness of a borrower. However, FICO appears to be the most-used credit scoring system. A FICO® score is between 300 and 850. The higher the better the credit.

Each consumer has three credit scores at any given time for any given scoring model because the three credit agencies have their own databases, gather reports from different creditors, and receive information from creditors at different times.

Q 21. What factors go into determining a FICO® score?

A Credit scores are designed to measure the risk of default by taking into account various factors in a person's financial history. Although the exact formulas for calculating credit scores are closely-guarded secrets, FICO® has disclosed the following components and the approximate weighted contribution of each:

35% — Payment History – Late payments on bills, such as a mortgage, credit card or automobile loan, can cause a consumer’s FICO® score to drop. Paying bills as agreed over time will improve a consumer’s FICO® score.

30% — Credit Utilization - The ratio of current revolving debt (such as credit card balances) to the total available revolving credit (credit limits). Consumers can improve their FICO® scores by paying off debt and lowering their utilization ratio. The closing of existing revolving accounts will typically adversely affect this ratio and therefore have a negative impact on their FICO® score.

15% — Length of Credit History – As consumer’s credit history ages, assuming they pay their bills, it can have a positive impact on their FICO® score.

10% — Types of Credit Used (installment, revolving, consumer finance) – Consumers can benefit by having a history of managing different types of credit.

10% — Recent search for credit and/or amount of credit obtained recently - Multiple credit inquiries for a consumer seeking to open new credit, such as credit cards, retail store accounts, and personal loans, can hurt an individual’s score. Applying for lots of new credit in a short period of time is also viewed as risky and can cause a drop in an individual’s score. However, individuals shopping for a mortgage or auto loan over a short period will likely not experience a decrease in their scores as a result of these types of inquiries.

(Source: http://www.myfico.com/CreditEducation/WhatsInYourScore.aspx)

Q 22. How does a mortgage modification affect my FICO® score?

A FICO® credit scores are calculated from the information in consumer credit reports. Whether a loan modification affects the borrower's FICO® score depends on whether and how the lender chooses to report the event to the credit bureau, as well as on the person's overall credit profile. If a lender indicates to a credit bureau that the consumer has not made payments on a mortgage as originally agreed, that information on the consumer's credit report could cause the consumer's FICO® score to decrease or it could have little to no impact on the score.

(Source: http://www.myfico.com/crediteducation/questions/Mortgage_Modification.aspx)

Q 23. How does a bankruptcy affect my FICO® score?

A A bankruptcy is considered a very negative event regardless of the type. A bankruptcy is factored into your FICO® score until it is removed from your credit report. As long as the bankruptcy is listed on your credit report, it will be factored into your score. If you are considering bankruptcy as an alternative to foreclosure, keep in mind that it may have a greater impact on your FICO® score.

Typically, you can expect bankruptcies to remain on your credit report, from the date filed, as follows:

(1) Chapter 11 and Chapter 7 bankruptcies up to 10 years.

Freddie Mac's Primary Mortgage Market Survey for Nov. 12 put the average fixed interest rate for 30-year conforming mortgages at 4.91 percent.

On a $300,000 mortgage the principle and interest payment at today's average rate would be about $1,594, compared to $1,825 a year ago. That’s a savings of over $231 a month, a year's worth of the savings -- $2,772 -- currently amounts to nearly two mortgage payments on a $300,000 mortgage. Less money going towards interest rates also means more purchasing power for buyers.

Combined with the $8,000 tax credit and low home prices, there is no doubt that this is the best time to purchase a home.

Tax Credit Extended!

Sun, 15 Nov 2009 10:23:00 -0800

Tax Credit

Download this PDF file-it tells it all!

Charming & Affordable Willow Glen Home

Sat, 14 Nov 2009 16:14:00 -0800

$459,950

Charming & cozy home walking distance to Lincoln Avenue. Great starter home! Original hardwood floors, partial finished basement for storage or wine cellar, two car detached garage, central air installed in 2004, French doors from master leading out wood deck and backyard with lots of possibilities, extra storage by garage, automatic sprinklers and more! NOT A SHORT SALE OR REO.

Take advantge of the $8,000 tax credit extension!

OPEN HOUSE SUNDAY, NOVEMBER 15TH FROM 1:00-4:00PM.

Wilow Glen Home Values & Prices

Sun, 08 Nov 2009 20:37:00 -0800

Prices are leveling off in this popular community. A good sign that the market is beginning to recover.

Zillow Home Value Index

More 95125 Home Values

Almaden Valley Home Prices & Home Values

Sun, 08 Nov 2009 20:36:00 -0800

Good News for this sought-after community: sale prices are leveling off.

Zillow Home Value Index

More 95120 Home Values

Silicon Valley Current Home Prices and Values

Sun, 08 Nov 2009 20:30:00 -0800

Zillow Home Value Index

More San Jose Metro Home Values

Haunted Lab

Fri, 23 Oct 2009 13:51:00 -0700

Sunday, October 18th, after 11pm:

Said 'Normal' dog, before retiring, for no reason at all, and in the presence of two family members,
is suddenly transfixed by the light above the family kitchen table.

Said dog proceeds to methodically place her feet on chair, then both front feet on table,
while gazing fixedly and intensely at light as though responding to something.
Light was not on, and no bugs or other distractions to be seen.
Incident was less than 2 minutes long.

Photos of dog after incident:

As of today, October 23rd, no other incidents have been reported, with the exception
of said dog periodically gazing up at light in question.

Stay tuned...

Investors; Downtown San Jose REO Duplex

Sun, 18 Oct 2009 11:17:00 -0700

Inventory is low, and this is a great opportunity to own a duplex on a shaded street minutes from downtown San Jose. Seller absolutely must get this one off the books fast, so place an offer now. Don't delay! All offers considered!

Each unit is a 1/1 with 672 sq ft.

Almaden Reflections

Sun, 18 Oct 2009 10:52:00 -0700

Sometimes it feels like you're walking through time when on a long hike through Almaden's Quicksilver Park. When it's quiet, you can imagine the sounds of the Ohlone celebrating their life here.

Here are some beauriful scenes from my walk there today

Real Estate Investors; Your Time Has Come

Mon, 12 Oct 2009 12:21:00 -0700

Investors: If you are looking for a Realtor who:

Is easy to work and partner with
Is willing to tell you the truth and only the truth
Is responsive and reliable
Is service-oriented
Provides you with the information you need
Wants you to profit, succeed and exceed your goals

Then we would work well together.

Contact Lisa at (408) 591-7778 or LWiseman@InteroRealEstate.com

A List of Some Hot Investment Properties:

$274,777.00 1466 FORD AVE
$229,000.00 359 N 15TH ST
$284,000.00 730 S 11TH ST
$290,000.00 438 RAYMOND AVE
$268,000.00 1236 S 2ND ST
$195,000.00 395 GIFFORD AVE
$298,500.00 232 TOPEKA AVE
$260,000.00 1094 VINE ST
$279,900.00 1083 S 7TH ST
$295,900.00 812 LOCUST ST
$243,500.00 984 PACIFIC AVE
$299,950.00 883 PACIFIC AVE
$270,000.00 878 LOCUST ST
$300,000.00 328 RAYMOND AVE
$299,950.00 411 IRVING AVE
$295,000.00 1069 S 7TH ST
$239,000.00 1025 N 12TH ST
$290,000.00 422 LELAND AVE
$245,000.00 1174 SPIRO DR
$250,000.00 411 E SAINT JAMES ST
$278,000.00 127 S 21ST ST
$229,900.00 428 WASHINGTON ST
$300,000.00 1132 SUNNY CT

Home Buyer Tax Credit Extenstion?

Fri, 09 Oct 2009 05:22:00 -0700

This just in: it's very likely that the credit may be extended. We are all lobbying for this.
It will allow more first time home buyers who haven't been able to purchase due to
multiple offer situations in a low inventory market to get their dream home, and help
stimulate the economy.View article

Willow Glen Home Value Indicator

Wed, 07 Oct 2009 12:00:00 -0700

A Sellers Market:

Almaden Valley Home Value Indicator; A Sellers Market

Wed, 07 Oct 2009 11:57:00 -0700

Silicon Valley Home Value Appreciation

Wed, 07 Oct 2009 11:44:00 -0700

No surprises here. However it appears the downward slide has subsided.

Downtown San Jose September Activity

Wed, 07 Oct 2009 05:31:00 -0700

Single Family Residential
September 2009
City/Area	County	New Listings	Current Inventory	Closed Sales	Average DOM	Average Sales Price	Median Sales Price	% LP Rec'd	Total Sales Volume
Central San Jose (9)	Santa Clara	82	201	60	71	383,903	343,250	100.21	23,034,200
Summary		82	201	60	71	383,903	- -	100.21	23,034,200
Common Interest Development
September 2009
City/Area	County	New Listings	Current Inventory	Closed Sales	Average DOM	Average Sales Price	Median Sales Price	% LP Rec'd	Total Sales Volume
Central San Jose (9)	Santa Clara	53	141	29	104	325,700	315,000	97.57	9,445,319
Summary		53	141	29	104	325,700	- -	97.57	9,445,319

Willow Glen September Activity

Wed, 07 Oct 2009 05:30:00 -0700

Single Family Residential
September 2009
City/Area	County	New Listings	Current Inventory	Closed Sales	Average DOM	Average Sales Price	Median Sales Price	% LP Rec'd	Total Sales Volume
Willow Glen (10)	Santa Clara	75	222	55	81	664,787	640,000	97.63	36,563,300
Summary		75	222	55	81	664,787	- -	97.63	36,563,300
Common Interest Development
September 2009
City/Area	County	New Listings	Current Inventory	Closed Sales	Average DOM	Average Sales Price	Median Sales Price	% LP Rec'd	Total Sales Volume
Willow Glen (10)	Santa Clara	12	36	9	59	467,163	450,000	98.75	4,204,470
Summary		12	36	9	59	467,163	- -	98.75	4,204,470

Almaden Valley September Activity

Wed, 07 Oct 2009 05:29:00 -0700

Single Family Residential
September 2009
City/Area	County	New Listings	Current Inventory	Closed Sales	Average DOM	Average Sales Price	Median Sales Price	% LP Rec'd	Total Sales Volume
Almaden Valley (13)	Santa Clara	46	81	39	62	914,410	860,000	97.92	35,662,000
Summary		46	81	39	62	914,410	- -	97.92	35,662,000
Common Interest Development
September 2009
City/Area	County	New Listings	Current Inventory	Closed Sales	Average DOM	Average Sales Price	Median Sales Price	% LP Rec'd	Total Sales Volume
Almaden Valley (13)	Santa Clara	4	8	6	109	569,933	523,000	96.55	3,419,600
Summary		4	8	6	109	569,933	- -	96.55	3,419,600

Save on Your Property Taxes!

Wed, 07 Oct 2009 04:27:00 -0700

By now most people are aware that they had the opportunity to appeal their
property taxes with the reduction in property values. However, not everyone is aware that this opportunity exists, but with a Homestead Exemption,
you could save money on your property taxes.

Detailed information on this for Santa Clara County and San Mateo County is attached. Homestead Exemption

Home Purchasing

Mon, 28 Sep 2009 10:00:00 -0700

THERE ARE OVER 300 REO PROPERTIES IN SANTA CLARA COUNY. Don't miss out on your opportunity to buy in San Jose.

Below are a current list of San Jose single family REOs as of September 26th.

2188 PETTIGREW DR

2702 CAMINO ECCO

5082 DEREK DR

1290 FREMONT ST

281 STAPLES AVE

1308 THORNBURY LN

3051 CUNNINGHAM AVE

698 PLATTE RIVER CT

1918 EVERMONT CT

5899 ETTERSBERG DR

5134 GALLANT FOX AVE

283 MCDONALD AVE

2967 VANPORT DR

380 BAY ST

2592 ABORN RD

3301 MONCUCCO WAY

10100 ENDFIELD WAY

3222 FALLEN OAK CT

5865 SOUTHWIND DR

3199 RUSKIN DR

540 INDEPENDENCE DR

1234 PIEDMONT RD

152 HERLONG AVE

3837 RAMIREZ CT

2969 VIVIAN LN

1918 SHULMAN AVE

13141 PFEIFLE AVE

540 CONTI CT

376 S WILLARD AVE

4079 FILAN WAY

3365 SAN RIVAS DR

3351 WOODSIDE LN

385 GREY GHOST AVE

3383 SAN PABLO AVE

740 AMANDA DR

1930 OROLETTE PL

3075 THURMAN DR

476 CROSSLEES DR

2350 SLEEPY HOLLOW LN

401 RAYOS DEL SOL DR

233 OLIVE HILL DR

1560 YANKEE POINT CT

3135 TERRYWOOD CT

4920 KENSON DR

2559 GUMDROP DR

4144 MIRA LOMA WAY

812 LOCUST ST

5589 CARRYBACK AVE

2740 OTHELLO AVE

322 LEIGH AVE

3314 HICKERSON DR

5804 COMANCHE DR

2143 LAUSETT AVE

1213 BOYNTON AVE

5775 RIBCHESTER CT

5380 LIGURIAN DR

1812 VOLLMER WAY

1676 MOCKING PLACE WAY

2718 CAMINO ECCO

984 PACIFIC AVE

417 IRVING AVE

532 CARVER ST

1823 WALKER CT

2915 SAMUEL DR

5366 WOODSTOCK WAY

4204 KINGSPARK DR

468 N WHITE RD

1129 PINE AVE

6045 PINELAND AVE

10298 MURTHA DR

2194 EBBESEN AVE

1135 PINE AVE

548 BLUEFIELD DR

2013 WONDERAMA DR

1021 FLEMING AVE

15207 STRATFORD DR

2877 GLEN HEATHER DR

14105 CANDLER AVE

5961 SHAWCROFT DR

1485 BAHAMA WAY

15330 CHARMERAN AVE

4063 PAYNE AVE

410 COYOTE RD

3727 PLEASANT VISTA DR

1281 CITY VIEW PL

3965 YOLO DR

2723 CHERRY AVE

2691 BON BON DR

3015 JULIO AVE

1901 FOREST AVE

1652 CROSS WAY

919 REDBIRD DR

2058 MUIRWOOD WAY

961 CAROLA AVE

906 WILLOWSHIRE WAY

908 WILLOWSHIRE WAY

910 WILLOWSHIRE WAY

1163 CURTISS AVE

1675 KINGMAN AVE

2438 RUBY AVE

5370 AVENIDA ALMENDROS

1769 JONATHAN AVE

14530 CLAYTON RD

5539 STONEY CREEK PL

3960 AGATHA WAY

170 SENTER RD

14441 STORY RD

686 POTOMAC CT

3320 PEPPER TREE LN

1612 SALAMONI CT

2017 SULLIVAN AVE

10291 LOCHNER DR

252 S KING RD

428 WASHINGTON ST

2788 WOODMOOR DR

If you want to take advantage of of the $8,000 TAX CREDIT, you will need to be in contract

no later than mid October! DON'T DELAY! This means that short sales are no longer

an option for you at this time. LEARN THE BEST WAY TO GET YOUR OFFER ACCEPTED.

View http://www.bayareahomesforyou.com/custom/content/7529 for REO and short sale information

Short Sale Purchase?

Sat, 26 Sep 2009 10:15:00 -0700

If you want to take advantage of the First Time Home Buyer $8,000 tax credit, short
sales are no longer an option for you. View this recent article as well as my REO
Resource Page for details on why.

What is Home Path Financing?

Sat, 26 Sep 2009 09:48:00 -0700

Maybe you've run across this when searching on the internet for a home.

Below are some of the benefits of purchasing a home through HomePath:

Low down payment and flexible mortgage terms (fixed-rate, adjustable-rate, or interest-only)

You may qualify even if your credit is less than perfect

Available to both owner occupiers and investors

Down payment (at least 3 percent) can be funded by your own savings; a gift; a grant; or a loan from a nonprofit
organization, state or local government, or employer

No mortgage insurance*

No appraisal fees

Also eligible for HomePath Renovation Mortgage (see details below)

HomePath Mortgage financing is available from a variety of lenders

Cash vs. First Time Home Buyers

Sat, 26 Sep 2009 09:44:00 -0700

With inventory so low, first time home buyers are finding it difficult to get their
offers accepted with many cash investors coming out of the woodwork.
Time is of the essence as the $8,000 first time home buyer credit will
expire before Dec. 1st. This means that most buyers will need to be
in contract by mid October at the latest.

Contact me at (408) 591-7771 to learn the best way to get your offer accepted.

First Time Home Buyer? Contract By Mid October!

Thu, 24 Sep 2009 10:18:00 -0700

If you are a first time home buyer, or know someone who is now looking,
because mortgage approvals, residential inspections, and other steps in
the purchasing process typically take about two months, buyers hoping to
take advantage of of the $8,000 tax credit, depending on your lender and the property you choose, you will need to be in contract
by the end of September, or mid October.

Contact me at (408) 591-7778 for the best way to get your offer accepted.

Still Real Estate Speculating

Mon, 21 Sep 2009 10:18:00 -0700

There are some who are speculating that the bank and/or government
are holding onto properties and gradually putting them on the market
so as not to flood the market and cause a huge drop in home values.
After all, California currently has the highest number of NODs
(Notice of Default) in the nation, so where are they?

Others are of the mind that 'they'are in no way, shape, or form
that organized, and that the banks are just holding out in the hopes
that they will receive more bail out money. Either way, who taught
who how to run a business? Bizarre....

Update on Almaden Valley Break Ins

Mon, 21 Sep 2009 06:59:00 -0700

The TJ Martin Neighborhood Associatin hosted a well-attended meeting on Thursday, September 10th at the Almaden Winery Center. In attendence, along with nearly 100 residents, were Nancy Pyle, Dolores Carr and and Captain Vaughan Edwards.

A few items from the meeting were that since April there were 83 burglaries in the area. Also, the website www.crimereports.com the captain stressed that these include crimes that were reported and not always
verified. This information is in each report. It is important to review each one for details.

The importance of forming more Neighborhood Watch Groups was also covered as well as certain precautions
to take. When a crime is in proces, contact Captain Vaughan Edwards at (408) 277-4728.

For more information on the meeting, and events in our area, visit the TJ Martin Association website.

Almaden Valley Art & Wine Festival

Sun, 20 Sep 2009 07:15:00 -0700

This year's festival was very enjoyable. There were opportunities for teens (like my son), and other community
members to volunteer helping out as well as some great bands.

I was only able to catch 3 of them;

The Dead Poser's Society-great music and lots of fun to listen to.
Rich Lehman; just moved to LA, very intense, hones and talented
Nuthin' Fancy; Lynyrd Skynyrd cover band with 2 Almaden residents that really did
sound like the real thing. Lots of fun.

Almaden Valley TJ Martin Area Robberies

Fri, 21 Aug 2009 10:23:00 -0700

If you live in our Almaden neighborhood, keep yourself updated on the rash of robberies through
the following links:

www.crimereports.com

http://tjmartinneighborhood.ning.com

Almaden Whole Foods?When? Where?

Sun, 09 Aug 2009 09:30:00 -0700

How many times have you driven by that mess on Blossom Hill and said, "Oh yeah!
Wasn't that supposed to have opened this year?'

Well, you'll have to look at it for another year, as it is not slated to be finished this
time until the fall of 2010. So we'll all continue to drive to Los Gatos to spoil ourselves.

Willow Glen, San Jose Real Estate Market Update

Sun, 09 Aug 2009 08:44:00 -0700

For the month of July, there were 227 homes for sale, and almost 25% of homes sold in Willow Glen.
The average sales price was $715,000, and average days on market was 63.

July 2009
City/Area	County	New Listings	Current Inventory	Closed Sales	Average DOM	Average Sales Price	Median Sales Price	% LP Rec'd	Total Sales Volume
Willow Glen (10)	Santa Clara	80	227	55	63	715,159	700,000	97.03	39,333,770
Summary		80	227	55	63	715,159	- -	97.13	39,333,770
Common Interest Development
July 2009
City/Area	County	New Listings	Current Inventory	Closed Sales	Average DOM	Average Sales Price	Median Sales Price	% LP Rec'd	Total Sales Volume
Willow Glen (10)	Santa Clara	21	33	6	133	448,816	466,000	96.25	2,692,900
Summary		21	33	6	133	448,816	- -	96.25	2,692,900

Alamden Valley San Jose Market Update

Sun, 09 Aug 2009 08:38:00 -0700

Currently, 1/3rd of the single family homes in Almaden Valley are selling. A pretty good number considering
today's market. Of course there are fewer bank-owned and short sales here, but this has still effected
the average sales price, and many owners are not selling unless they must.

Single Family Residential
July 2009
City/Area	County	New Listings	Current Inventory	Closed Sales	Average DOM	Average Sales Price	Median Sales Price	% LP Rec'd	Total Sales Volume
Almaden Valley (13)	Santa Clara	50	125	41	72	956,912	915,000	96.81	39,233,400
Summary		50	125	41	72	956,912	- -	96.81	39,233,400
Common Interest Development
July 2009
City/Area	County	New Listings	Current Inventory	Closed Sales	Average DOM	Average Sales Price	Median Sales Price	% LP Rec'd	Total Sales Volume
Almaden Valley (13)	Santa Clara	3	9	2	78	441,050	441,050	92.85	882,101
Summary		3	9	2	78	441,050	- -	92.85	882,101

Placing an Offer an an REO

Sun, 09 Aug 2009 07:27:00 -0700

Yes, REOs are easier to purchase than short sales, but in a competitive market like
today's, there are still hoops to jump. Make sure you have an agent who is vigilant
in placing your offer as the seller requests. You will most likely be competing with all cash
buyers, so make it a clean offer.

Below are only a few requirements by just one REO real estate group. Some of these
are standard.

. Please bring your Highest And Best Offer. On many of our properties we receive multiple offers. The Seller rarely extends Multiple Counter Offers and will likely either move forward with the best presented offer or may come back and request "Highest And Best" from all Buyers. Please, No Low-Ball Offers! The Seller has priced these properties aggressively and is not going to give them away.

4. Please write the offer on the current C.A.R. Purchase Agreement. “AS-IS” offers only. If you don’t have the current C.A.R Purchase Agreement, please visit the C.A.R. website at www.car.org and download the current version of WinForms®.

5. For Seller, just put "Owner Of Record".

6. Please allow up to 5 days for response. We will hopefully have a response to you much quicker.

7. Include a copy of the signed Agency Disclosure between the Selling Broker/Agent and Buyer AND a blank copy of the Agency Disclosure signed and dated by the Selling Broker/Agent for the Seller to sign.

8. Include a current Pre-Qualification Letter from a Direct Lender/Major Bank (not a Mortgage Broker!) with their contact information. The Buyer can get their financing through their own Lender if they wish, however, we still need need to have a Pre-Qual included from a Direct Lender. If an All Cash Offer, please include Verification Of Funds.

9. Include a copy of the Buyer’s Earnest Money Deposit Check. Minimum 1%. 3% Earnest Money Deposit is preferred. Also Include Verification Of Funds for the Buyer’s Down Payment & Closing Costs. If you are submitting a Cash Offer, you must provide current documentation of funds. An Equity Line Of Credit will not be acceptable!

10. We do not have any Reports, Disclosures, HOA Docs or Inspections for these properties. The Buyer will have an option to obtain their own inspections. On occasion we have properties that were sold and have fallen through and the previous Buyer provided us with copies of their Inspection Reports. The MLS will reflect those properties that have Inspection Reports available and the Buyer will need to read and approve those Inspection Reports and provide the front page of each Report signed "Read And Approved" by the Buyer and submitted with their offer.

12. Removal of Inspection Contingency within 7-10 days. They may even request 5 days. 14 days for Loan & Appraisal.

16. The Seller will not pay for inspections. Buyer to pay. The Seller will provide a Natural Hazard Disclosure through Disclosure Source

21. If the MLS states NO FHA / VA, that is because of the condition of the property and the Seller is not going to consider a FHA or VA offer due to the likelihood of repairs being required by the Lender

25. The Seller is exempt from most disclosures. Please review the C.A.R. REO Advisory Form for more information. Please do not request additional disclosures to be signed.

26. If the Seller decides to move forward with your offer, you will receive a Counter Offer and Seller Addendum or Seller's Purchase Agreement which the Buyer will need to complete and sign. The Seller will sign after an acceptance. Please note that the terms in the Counter Offer and/or Addendums may supersede terms in the C.A.R. Purchase Agreement. The Buyer and Buyer’s Agent are strongly advised to thoroughly read and understand the Counter Offer and all Addendums before signing! The Buyer must perform as per the terms of the Agreement and Counter Offer/Addendums! Timeframes are firm and failure by the Buyer to perform within these timeframes may result in a per diem penalty, forfeit of their deposit and/or cancellation.

Buy Now to Get $8,000 Credit!

Fri, 07 Aug 2009 11:21:00 -0700

The $8,000 first time home buyer tax credit is available for escrows that
close before December 1, 2009, with the abundance of short sales
and bank-owned properties on the market, please be aware that
transactions do not always close on time. This means that although
sometime in October is a good time to place an offer, it is no guarantee.
Good advice is to place that offer by September to be safe. More
homes are expected to hit the market in September and October.

Below is an article that briefly reviews investing in bank-owned and
short sale properties:

REO & Short Sales

Where Did They All Go?

Fri, 07 Aug 2009 11:21:00 -0700

Just last week there were 372 properties in Santa Clara County that went back to various banks. It would appear that the banks are simply sitting on them, waiting for the market to get better. This is causing a huge build-up of property that experts call “shadow inventory.” Right now prices are up and inventories are down significantly in The Bay Area. If they release these homes into the market a little at a time, the values will continue to hold and demand will remain strong. However, if the banks move too quickly or release too many properties, the values will decline further—a concern of everyone in the industry, and of course home owners. Look for many more properties to enter the market and continued low interest rates for buyers.

Are You Seeing All the Homes Available?

Fri, 07 Aug 2009 11:09:00 -0700

Did you know that not all home search sites are equal?

By that I mean that those sites run by media companies,or
companies that are not actual real estate brokerages most
likely do not particiipate in IDX (Internet Data Exchange), which
allows brokers and agents to show eachother's listings on
their websites.

This is something you might not mind if you were shopping
for a car, but wouldn't you want to view all your options when
making the biggest purchase of your life?

Offer After Offer? What's Going On?

Sun, 02 Aug 2009 15:34:00 -0700

For many buyers, placing an offer on a home below the $400,000
has become a very daunting task.

I have placed a number of offers for very decent, qualified and pre approved clients, (even
cash buyers!), within days of a new home reaching the market, and
in over 80% of these cases, never received a response from the
agents or their assistants. I know many agents never admit to this,
as they feel it may deter their chances of getting their future offers
received, but seriously, in the end, does it matter? There are so
many offers being submitted, without acknowledgement, it seems in most cases,
buyer's offers will not even be looked at, no less even receive a response,
unless they are one of the top 3 contenders.

I have always considered myself the 'Queen of Follow-Through' in all my years of sales, and still
consider myself to be her, but find it incredible to be doing business in an arena that does not
care or honor the same.

Dog Saves Tree!

Tue, 28 Jul 2009 11:22:00 -0700

There it was, buried at the bottom of the dam, hoping against hope that someone
would rescue it. Today was it's lucky day.

Brandi to the rescue!

View more of her escapades at: www.myspace.com/mycaninelife

Free & Low Cost Services Offered!!

Fri, 17 Jul 2009 15:39:00 -0700

July 15, 2009

Visit the Department of Consumer Affairs (DCA) Web site at www.takeChargeCA.ca.gov, or call our toll free number at (800) 952-5210, where consumers can get a list of many free, low cost, discount and income-eligible services offered by government agencies and trusted sources.

The list of free and low cost services help California consumers save money! Want a free or low cost hair cut, or manicure? Looking for help paying for a Smog Check, or just some basic coupons for household products or food? It's all there and much, much, more.

We encourage everyone to share this information with your community and industries leaders, and even your employees, family and friends. We know there are many more services that can be added to this list but we need your help.

Contact us at TakechargeCA.ca.gov. Call us toll free at (800) 952-5210, or call me directly to add even more free and low cost services that everyone can save money on.

If you want to be removed from my email list please send me an email with the subject titled: delete my email, and I will remove you from my listing.

Sincerely,

Michael Lafferty, Outreach Manager

DEPARTMENT OF CONSUMER AFFAIRS

O. 916.574.7409

E. Michael_lafferty@dca.ca.gov

Buy a House Sight Unseen?

Sat, 11 Jul 2009 09:33:00 -0700

You may have heard or experienced how crazy it can be trying to purchase a home in the
lower price range in today's maket. It may seem illogical, but many buyers are making
offers sight unseen as they have made dozens of offers, only to be outbid on a home
that receives multiple offers over asking.

I have advised some of my clients to do this, making the offer contingent upon
inspection. I have also registered with an electronic signature company to expedite
offers. All this has become necessary in a market like we are experiencing now.

Just remember; recovery of a market always starts at the entry level, which is what
we are beginning to see. A good sign for buyers, and for sellers in the long run.

I would be glad to assist you or someone you know with their purchase.

Reduce Your Property Taxes!

Thu, 02 Jul 2009 14:06:00 -0700

If you weren't fortunate enough to benefit from Prop. 13, then maybe Prop. 8
can help you out. If you have had a substantial decline in property value,
fill out this form, and you just might have your taxes reduced.

Click Here for the Form

Santa Clara Valley Home Sales

Tue, 30 Jun 2009 16:20:00 -0700

Santa Clara Valley Home Sales Highest Since 2007

Home sales increased, year-over-year, by 10.9% in May. This is the eleventh month in a row homes sales have been up compared to the year before. The 984 homes sold were the most since May 2007 when there were 1,022 homes sold. Year-to-date, home sales are up 26.7%.

The median price for single-family, re-sale homes rose 4.5% in May from April. Year-over-year, the median price was off 36.2% The average price gained 7.9%, month-over-month, but was off 33.2% compared to May 2008.

Inventory dropped to its lowest level since February 2007. It was down 42.7% year-over-year.

Pending sales, which is a leading indicator, was up 41.5% compared to last May.

The sales price to list price ratio for homes rose 0.5 of a point to 98.9%.

Days of inventory dropped 24 to 93 days for homes.

Condo sales rose 20.3% from April, and were up 20.8% year-over-year.

The median price for condos rose 10.7% from April, but it was off 38.3% compared to last May. The average price gained 7.3%, month-over-month, but was down 33.2% compared to May 2008.

Condo inventory was down 42.3% year-over-year, while pending sales were up 41.8%.

The sales price to list price ratio for condos rose 0.5 of a point to 97.6%.

Pending Sales Have Surpassed Active Sales, a sign the market has or is close to bottoming out.

A Whole Child Approach to Eductation

Fri, 12 Jun 2009 12:20:00 -0700

'Whole child approach'. Something that we all want for our kids in education.

St. Andrews Episcopal school embraces this approach, and so much more for children
from PreK through 8th grade-including an after school care program!

All their reports, scores, programs, curiculum and more is available to view
at: www.st-andrews.org

For more information, contact alumni Krisin Poolos at (408) 867-3785 ext. 216.

Reverse Mortgage Update

Mon, 25 May 2009 05:30:00 -0700

The HECM FHA insured reverse mortgage can be used by senior homeowners age 62 and older to convert the equity in their home into monthly streams of income and/or a line of credit to be repaid when they no longer occupy the home. The loan, commonly known as HECM, is funded by a lending institution such as a mortgage lender, bank, credit union or savings and loan association. To assist the homeowner in making an informed decision of whether this program meets their needs, they are required to receive consumer education and counseling by a HUD-approved HECM counselor.

HECM counselors will discuss program eligibility requirements, financial implications and alternatives to obtaining a HECM and provisions for the mortgage becoming due and payable. Upon the completion of HECM counseling, the homeowner should be able to make an independent, informed decision of whether this product will meet their needs. You can also use this handy Reverse Mortgage Calculator to help you see if you qualify.

Homeowners who meet the eligibility criteria can complete a reverse mortgage application by contacting a FHA-approved lending institution such as a bank, mortgage company, or savings and loan association. If you need assistance locating a FHA-approved lender, you can request a listing of FHA-approved lenders from the HECM counselor or use HUD's searchable listing.

Borrower Requirements:
Age 62 years of age or older
Own your property
Occupy your property as primary residence
Participation in a consumer information session given by an approved HECM counselor

Mortgage Amount Based On:
Age of the youngest borrower
Current interest rate
Lesser of appraised value or the FHA insurance limit

Financial Requirements:
No income or credit qualifications are required of the borrower
No repayment as long as the property is the primary residence
Closing costs may be financed in the mortgage

Property Requirements:
Single family home or 1-4 unit home with one unit occupied by the borrower
HUD-approved condominiums
Manufactured homes and leased land
Meet FHA property standards and flood requirements

How the Home Equity Conversion Mortgage Program Works:
Homeowners 62 and older who have paid off their mortgages or have only small mortgage balances remaining, and are currently living in the home are eligible to participate in HUD's reverse mortgage program. The program allows homeowners to borrow against the equity in their homes.

Homeowners can select from five payment plans:
* Tenure
- equal monthly payments as long as at least one borrower lives and continues to occupy the property as a principal residence.
* Term - equal monthly payments for a fixed period of months selected.
* Line of Credit - unscheduled payments or in installments, at times and in amount of borrower's choosing until the line of credit is exhausted.
* Modified Tenure - combination of line of credit with monthly payments for as long as the borrower remains in the home.
* Modified Term - combination of line of credit with monthly payments for a fixed period of months selected by the borrower.

Homeowners whose circumstances change can restructure their payment options for a nominal fee of $20. Unlike ordinary home equity loans, a HUD reverse mortgage does not require repayment as long as the home is the borrower's principal residence. Lenders recover their principal, plus interest, when the home is sold. The remaining value of the home goes to the homeowner or to his or her survivors. You can never owe more than your home's value. If the sales proceeds are insufficient to pay the amount owed, HUD will pay the lender the amount of the shortfall. HUD's Federal Housing Administration (FHA) collects an insurance premium from all borrowers to provide this coverage.

The amount a homeowner can borrow depends on their age, the current interest rate, other loan fees and the appraised value of their home or FHA 's mortgage limits for their area, whichever is less. Generally, the more valuable your home is, the older you are, the lower the interest, the more you can borrow. For example, based on a loan with an interest rates of approximately 9 percent, and a home qualifying for $100,000, a 65-year-old could borrow up to 22 percent of the home's value; a 75-year-old could borrow up to 41 percent of the home's value; and, an 85-year-old could borrow up to 58 percent of the home's value. The percentages do not include closing costs because these charges can vary.There are no asset or income limitations on borrowers receiving HUD's reverse mortgages. There are also no limits on the value of homes qualifying for a HUD reverse mortgage. The value of the home will be determined by an appraisal. However, the amount that may be borrowed is derived from the lower of the appraisal amount or FHA mortgage limit for the area, which varies from $200,160 to $362,790. For Alaska, Guam, Hawaii and the Virgin Islands, the FHA mortgage limits may be adjusted up to 150 percent of the ceiling depending on the area. The FHA limits usually increase each year. As a result, owners of higher-priced homes can't borrow any more than owners of homes valued at the FHA limit. HUD's reverse mortgage program collects funds from insurance premiums charged to the homeowners. Homeowners are charged an upfront insurance premium which is 2 percent of the maximum claim amount that may be borrowed plus a .5 percent annual premium.

Technical Guidance:
This program is authorized by the Housing and Community Development Act of 1987, Section 417, Public law 100-242 (12 U.S.C. 1715z-20). Program regulations are in 24 CFR 206. This program is administered by the Office of Single Family Program Development in HUD's Office of Housing-Federal Housing Administration.

http://www.apply4reversemortgage.com

Affordability Hits 18 Year High

Mon, 25 May 2009 05:29:00 -0700

The headline says it all.

If you are in a position to purchase, the combination of low prices,
low interest rates, incentives and inventory all point to the best
time to purchase in years. Take advantage of it while you can.

Senior Volunteer Program

Mon, 25 May 2009 04:29:00 -0700

R.S.V.P. (Realtor Service Volunteer Program)

This year's program took place the first week of May, and I headed up one San Jose
team and volunteered on another.

I met some incredible, beautiful women who have led inspirational lives.

Below are a few photos.

My favorite photo from last year:

A Reasonable HMO?

Mon, 25 May 2009 04:14:00 -0700

Looking for an HMO that offers outstanding service and costs less?

Look into the new guy in town; CareMore. They even have a care center
with specialized programs such as diabetes care, high blood pressure
management, wound care and nutritional consultations, in additon to
an excercise facility!

Visit their website at : www.CareMoreHealthGroup.com
Or call 1-800-499-2793.

Duck Story

Mon, 27 Apr 2009 14:05:00 -0700

I just received this email and thought this was a great story to add to this series.

As always, if you have a great story, reply to this blog and I'd be glad to add it to
WGDIST? (What Good Did I See Today?)

a true duck story

  A True Duck Story From San Antonio ...

  Something really cute happened in downtown San Antonio this week.   Michael R.
is now an accounting clerk at Frost Bank and works downtown in a second story
office building. Several weeks ago, he watched a mother duck choose the concrete awning outside his window as the unlikely place to build a nest above the sidewalk.

The mallard laid ten eggs in a nest in the corner of the planter that is perched over 10 feet in the air. She dutifully kept the eggs warm for weeks, and Monday afternoon all of her ten ducklings hatched.

Michael worried all night how the momma duck was going to get those babies safely off their perch
in a busy, downtown, urban environment to take to water, which typically happens in the first 48
hours of a duck hatching. Tuesday morning, Michael watched the mother duck encourage her
babies to the edge of the perch with the intent to show them how to jump off!

The mother flew down below and started quacking to her babies above. In his disbelief Michael
watched as the first fuzzy newborn toddled to the edge and astonishingly leapt into thin air, crashing
onto the cement below. Michael couldn't stand to watch this risky effort. He dashed out of his office
and ran down the stairs to the sidewalk where the first obedient duckling was stuporing near its mother
from the near fatal fall.

As the second one took the plunge, Michael jumped forward and caught it with his bare hands
before it hit the concrete... safe and sound, he set it by the momma and the other stunned sibling,
still recovering from its painful leap.

One by one the babies continued to jump. Each time Michael hid under the awning just to reach
out in the nick of time as the duckling made its free fall. The downtown sidewalk came to a standstill.

Time after time, Michael was able to catch the remaining 8 and set them by their approving mother.

At this point Michael realized the duck family had only made part of its dangerous journey.
They had 2 full blocks to walk across traffic, crosswalks, curbs, and pedestrians to get to the
losest open water, the San Antonio River .   The on looking office secretaries and several San
Antonio police officers joined in.   They brought an empty copy paper box to collect the babies.

They carefully corralled them, with the mother's approval, and loaded them in the container.
Michael held the box low enough for the mom to see her brood.   He then slowly navigated
through the downtown streets toward the San Antonio River . The mother waddled behind
and kept her babies in sight.

As they reached the river, the mother took over and passed him, jumping into the river and
quacking loudly. At the water's edge, he tipped the box and helped shepherd the babies toward
the water and to their mother after their adventurous ride.

All ten darling ducklings safely made it into the water and paddled up snugly to momma.

Michael said the mom swam in circles, looking back toward the beaming bank bookkeeper,
and proudly quacking.

Senior Driving Tips

Wed, 22 Apr 2009 13:08:00 -0700

Driving Safety For Older Adults
Through 45 years of driving, Ellen never had an accident. But last month, the 76-year-old was involved in two minor collisions, receiving a traffic citation for one. Ellen worries that she is not as good a driver as she once was. And she has read recent newspaper stories about accidents involving older drivers.

79-year-old Gregory’s children worry that with his poor night vision, it isn’t safe for him to drive at night any more. But Mom doesn’t drive, and the couple doesn’t want to give up the theater or their weekly bridge games with friends.

For most Americans, the automobile represents independence, control and mobility. We couldn’t wait to get our first driver’s license and access to the family car when we were teenagers?and we’d like to keep driving as long as possible. But the normal changes of aging can make driving more challenging. Impediments to safe driving include?

hearing loss
vision problems
decreased reaction time
memory loss
limited manual dexterity
loss of depth perception and peripheral vision

Older adults and their families should assess driving ability periodically, both to determine ways of improving driving skills, and to evaluate whether the individual is still capable of safely operating a motor vehicle.

MAKING CHANGES FOR SAFER DRIVING
There are several good ways seniors can improve driving skills and extend safe driving capability:

Take a refresher driving course for seniors, such as the “55 Alive Classes” which are offered through insurance companies and senior groups.
When filling any prescriptions, ask the doctor or pharmacist if the medications have any potential side effects that could hinder the ability to drive.
Have regular eye examinations.
Make modifications to the vehicle itself for enhanced driving safety. For example: improved side and rear-view mirrors; a rear-window brake light; a back-up warning buzzer; steering wheel grips; and pedal adjustments.
If the car is large and difficult to maneuver, consider trading it for a smaller car, which might be easier to handle and park.
Avoid the most challenging driving situations. If night vision has diminished, schedule car trips during daylight hours. Avoid busy highways and rush hour traffic
IS IT TIME TO GIVE UP THE CAR?
There may come a point when the changes of aging make it difficult and risky to keep driving. Some older drivers become increasingly nervous about their driving ability, and consequently become less mobile in the community. Some keep driving until an incident occurs-a scare, a minor accident, or worse-and then quit driving abruptly, without having made plans for what they will do without the car. And others are in denial, refusing to face up to limitations until family members or the department of licensing step in.

It doesn’t have to be that way. When you first begin to have concerns about driving ability, that is the time to begin planning a post-driving strategy. Think of this as just another aging challenge to be addressed, and then use your best problem-solving skills to keep yourself or your loved one active and mobile.

The first thing to do when considering becoming a non-driver is to add up all the costs of owning and maintaining a car. Car payments, insurance, repairs, gasoline, parking fees-all these should go into your calculation. For most people, the total is considerable. Think of those dollars as money available for alternative transportation.

Once you’ve calculated your “transportation allowance,” begin to investigate the alternatives:

Bus or rapid transit
Taxi cabs
Carpooling with family, friends or volunteers
Special transportation for seniors and people with disabilities.
With this kind of planning, many seniors lose their anxiety over giving up driving. It still may not be easy, but having a workable plan for getting around is a major step forward. If a loved one is resisting giving up driving, be creative in your approach. You might try suggesting that your loved one:

Leave the car in the garage for a while and see how he or she gets along not using it.
Set a trial period during which your loved one will try out transportation options.
Consider giving the car as a gift to a favorite charity or to a grandchild.
Investigate selling the car and setting the money aside for a transportation fund.
Help your loved one make a plan for being a non-driver if that time comes. Be proactive; don’t wait for circumstances to make decisions for you. Giving your loved one an extra margin of safety is the right thing to do for other drivers on the road, and it can, above all, be a gift to your loved one, yourself and family!
(c)2008 IlluminAge Communication Partners

Courtesy of Senior Helpers
www.seniorhelpers.com

Senior Scam Seminar!

Wed, 22 Apr 2009 13:05:00 -0700

Agape Long Term Care Monthly Seminar Series

Presentation by the California Department of Consumer Affairs

Thursday, April 30, 2009

1:00 PM – 2:30 PM

Presentation Title:

Helping to Protect Seniors: Tips, resources, and services available from the Department of Consumer Affairs (DCA) and the Santa Clara County District Attorney’s Office.

Presentations by:

Michael Lafferty, Outreach Manager, Department of Consumer Affairs

Gil Deluna, Chief of the Unlicensed Activity Program and the Publication, Design and Editing Unit, for the DCA’s Consumer and Community Empowerment Division

Presentations:

Michael Lafferty – Take Charge California! Be smart, be safe, and be heard for seniors and Moderator – 20 minutes

Overview of the California Department of Consumer Affairs (DCA): Who we are and what we do
“Take Charge California! Be smart. Be safe. Be heard. DCA’s newest consumer’s empowerment campaign to protect consumers & seniors in the marketplace.
Free or low-income services for seniors from the Department of Consumer Affairs

Gil Deluna – Inquire Before You Hire ! – 20 minutes

Overview of DCA’s Inquire Before You Hire campaign to stop unlicensed activity.
Why seniors are most at risk; what they can do to protect themselves, and much more !
Publications geared toward protecting seniors.
WAR stories from around the state that will cause all of us to stop and think before we buy products and services in the marketplace.

Question and Answer Period – 30 minutes

What’s inside the Senior Scam Buster Kit provided today (time permitting)?

Michael Lafferty

Statewide Outreach Manager

Consumer and Community

Empowerment Division

California Department of Consumer Affairs

Michael Lafferty has been helping consumers for over 25 years. He currently serves as the Department of Consumer Affairs’ (DCA’s) statewide Outreach Manager and is also involved with the Bureau of Automotive Repair’s (BAR’s) Drive Healthy Campaign, and the Department’s newest campaign: Take Charge California! Be Smart. Be Safe. Be Heard. Through outreach efforts in the community and partnerships with consumers and licensees, he and his staff help educate consumers about DCA’s services and inform them about how to make smart decisions in the marketplace. Previously, Lafferty managed BAR’s Repair Assistance and Vehicle Retirement Programs, was involved with the Breathe Easier campaign, and has held various positions in BAR’s consumer protection and Smog Check programs. Michael has a Bachelors Degree in management, as well as an Associate of Arts degree in Automotive Repair.

Bio for:

Gil DeLuna

Chief – Unlicensed Activity

California Department of Consumer Affairs (DCA)

Consumer & Community Empowerment Division

Gil was recently appointed Chief of the Unlicensed Activity Program and the Publication, Design and Editing Unit, for the DCA’s Consumer and Community Empowerment Division. As Chief, DeLuna has developed an education campaign to inform consumers and businesses of the underground economy and the dangers of hiring an unlicensed practitioner or business. DeLuna also educates businesses on the value of having a California license from the DCA. DeLuna recently returned to the DCA after working for the Board of Equalization as the District Director for District 1. He also worked as Outreach Chief for DCA where he developed a grassroots outreach plan that to inform consumers about the department’s Bureau of Automotive Repair (BAR). Gil has been with the Department for over 22 years. He began there with the Bureau of Automotive Repair’s Enforcement Division, and subsequently working for the BAR Engineering Department in Sacramento, testing and developing specifications for smog inspection analyzers. Promotions led to managing BAR Enforcement Field offices in Monterey, Concord, and Hayward where he managed 1 of 4 Mediation Centers throughout the State. Gil is the Past President of the California Consumer Affair Association (CCAA). He is also Co-Founder /Past President of the Asian/Pacific State Employee Association (APSEA)-Northern Chapter. He was project manager of many IT projects and won an award for the department developing and managing DCA’s Online complaint process, which enables consumers to file a complaint on the internet. Gil holds a Bachelor of Science Degree in Business Administration from Notre Dame de Namur University.

The infamous “Scambuster Kit” will be offered to attendees.

WHEN: THURSDAY, APRIL 30, 2009, 1:00 PM

WHERE: 1871 THE ALAMEDA, SAN JOSE, CA, NEAR W. HEDDING ST.

FREE ADMISSION This will be a hugely important presentation and space will be limited

PLEASE RSVP TO:

SKIP FRENZEL OF AGAPE LONG TERM CARE

408-984-6661, WWW.AGAPELTC.COM, INFO@AGAPELTC.COM

Is the Housing Market Leveling Off?

Wed, 22 Apr 2009 12:46:00 -0700

For the 4th month in a row, Silicon Valley home sales are ahead of last year.
Signs of leveling off include increase in sales and multiple offer scenarios.
Lower priced homes are seeing the most demand, of course, but once
demand outnumbers supply and loans are more accessible, we should
see stabilization. Of course no one has a crystal ball, but this is good news.

Selling Houses Today

Sun, 05 Apr 2009 14:06:00 -0700

It is a true mixed blessing to have so many opportunities to help buyers in today's volatile market and yet
at the expense of so many. Our landscape has changed in so many ways, but what is important now is that
we take care of the current inventory of foreclosures on the market and help those in danger of default in
order to return to some rate of normalcy.

If you know of someone who needs help in either direction, please call me at (408) 591-7778. They will
be in good hands.

Caregiver Dangers and Balancing

Sun, 05 Apr 2009 13:57:00 -0700

Do you know someone who is a caregiver? A new study conducted by the Indiana University School of Medicine whoed that 25% of Alzheimer's Family Caregivers to the ER or are hospitalized, further emphasizing how stressful this disease is to a family caregiver.

For balancing work and caregiving, here are 4 questions to ask:

1. Have I investigated resources available through my employer?

2. What suport services are available in my community?

3. Am I trying to do too much?

4. Am I taking care of myself?

To find out how caregivers around the country manage, check out the 2 part article in 'Balancng Work and Family Caregiving' in the
January 2009 issue of the Caring Right at Home newsletter at www.caringnews.com

Current Statistics for San Jose

Sun, 05 Apr 2009 13:42:00 -0700

Welcome to my blog; Real Dirt (Real Estate, That Is!)

Below are the current statistics for the city of San Jose as a whole, and the communities
of Willow Glen, Almaden Valley and Downtown San Jose.

Single Family Residential
2009 Q1
City/Area	County	New Listings	Current Inventory	Closed Sales	Average DOM	Average CDOM	Average Sales Price	Median Sales Price	% LP Rec'd	Total Sales Volume
San Jose	Santa Clara	2897	2932	1269	65	107	456,052	410,000	97.99	578,730,014
Summary		2897	2932	1269	65	107	456,052	- -	97.99	578,730,014
Common Interest Development
2009 Q1
City/Area	County	New Listings	Current Inventory	Closed Sales	Average DOM	Average CDOM	Average Sales Price	Median Sales Price	% LP Rec'd	Total Sales Volume
San Jose	Santa Clara	1000	1108	413	72	111	260,185	213,000	96.91	107,456,474
Summary		1000	1108	413	72	111	260,185	- -	96.91	107,456,474
Single Family Residential
2009 Q1
City/Area	County	New Listings	Current Inventory	Closed Sales	Average DOM	Average CDOM	Average Sales Price	Median Sales Price	% LP Rec'd	Total Sales Volume
Central San Jose (9)	Santa Clara	259	273	121	77	112	374,704	342,500	97.70	45,339,251
Summary		259	273	121	77	112	374,704	- -	97.70	45,339,251
Common Interest Development
2009 Q1
City/Area	County	New Listings	Current Inventory	Closed Sales	Average DOM	Average CDOM	Average Sales Price	Median Sales Price	% LP Rec'd	Total Sales Volume
Central San Jose (9)	Santa Clara	154	155	37	69	95	341,792	325,000	95.46	12,646,312
Summary		154	155	37	69	95	341,792	- -	95.46	12,646,312
Single Family Residential
2009 Q1
City/Area	County	New Listings	Current Inventory	Closed Sales	Average DOM	Average CDOM	Average Sales Price	Median Sales Price	% LP Rec'd	Total Sales Volume
Willow Glen (10)	Santa Clara	245	249	71	59	108	655,352	603,000	96.14	46,530,000
Summary		245	249	71	59	108	655,352	- -	96.14	46,530,000
Common Interest Development
2009 Q1
City/Area	County	New Listings	Current Inventory	Closed Sales	Average DOM	Average CDOM	Average Sales Price	Median Sales Price	% LP Rec'd	Total Sales Volume
Willow Glen (10)	Santa Clara	55	47	16	192	268	397,843	415,000	97.19	6,365,500
Summary		55	47	16	192	268	397,843	- -	97.19	6,365,500
Single Family Residential
2009 Q1
City/Area	County	New Listings	Current Inventory	Closed Sales	Average DOM	Average CDOM	Average Sales Price	Median Sales Price	% LP Rec'd	Total Sales Volume
Almaden Valley (13)	Santa Clara	161	139	26	58	79	957,162	807,500	94.81	24,886,225
Summary		161	139	26	58	79	957,162	- -	94.81	24,886,225
Common Interest Development
2009 Q1
City/Area	County	New Listings	Current Inventory	Closed Sales	Average DOM	Average CDOM	Average Sales Price	Median Sales Price	% LP Rec'd	Total Sales Volume
Almaden Valley (13)	Santa Clara	21	20	3	58	111	596,666	550,000	97.13	1,790,000
Summary		21	20	3	58	111	596,666	- -	97.13	1,790,000

Seniors Get Help in May

Sun, 05 Apr 2009 04:05:00 -0700

I will be participating in the annual RSVP (Realtor Service Volunteer Program) the week of May 4th.

If you or someone you know could use some assistance with tasks such as:

Flipping mattresses
Cleaning windows
Yardwork
Replacing light bulbs and batteries
General organizing
Other light chores

Please let me know!(408) 591-7778.

Me helping out during last year's event:

Downtown San Jose Home Values

Sun, 22 Mar 2009 12:01:00 -0700

Welcome to my Blog: Real Dirt (Real Estate That Is!)

The average sales price for single family homes in downtown San Jose was $468,618-keep in mind this is a very eclectic community!

Single Family Residential
2008 Q4
City/Area	County	New Listings	Current Inventory	Closed Sales	Average DOM	Average CDOM	Average Sales Price	Median Sales Price	% LP Rec'd	Total Sales Volume
Central San Jose (9)	Santa Clara	235	271	118	70	119	468,618	405,000	98.13	55,296,995
Summary		235	271	118	70	119	468,618	- -	98.21	55,296,995

The average sales price for condos in downtown San Jose was $384,163

Common Interest Development
2008 Q4
City/Area	County	New Listings	Current Inventory	Closed Sales	Average DOM	Average CDOM	Average Sales Price	Median Sales Price	% LP Rec'd	Total Sales Volume
Central San Jose (9)	Santa Clara	111	130	48	64	86	384,163	410,000	97.16	18,439,841
Summary		111	130	48	64	86	384,163	- -	97.16	18,439,841

The San Jose Redevelopment Agency has made significant improvements in making our downtown more vibrant,
exciting and accesible to all. Dining, museums, business, transit, theatre, temperate weather, music, and the best
in night life are only some of what this fabulous city has to offer.

Contact me about assistance cities offered through the city.

For more details on downtown San Jose, click here.

7 Steps to House-selling Success

Fri, 20 Mar 2009 10:04:00 -0700

Million of existing homes are sold each year, and while each transaction is different every owner wants the same thing -- the best possible deal with the least amount of hassle and aggravation. Unfortunately, home selling has become a more complex business than it used to be. New seller disclosure statements, longer and more mysterious form agreements, and a range of environmental concerns have all emerged in the past decade. More importantly, the home-selling process has changed. Buyer brokerage -- where REALTORS® represent homebuyers -- is now common nationwide, and good buyer-brokers want the best for their clients. The result is that while hundreds of thousands of existing homes may be sold each week, the process is not as easy for sellers as it was five or 10 years ago. Surviving in today's real estate world requires experience and training in such fields as real estate marketing, financing, negotiation and closing -- the very expertise available from local REALTORS®. Are you ready?
The home-selling process typically starts several months before a property is made available for sale. It's necessary to look at a home through the eyes of a prospective buyer and determine what needs to be cleaned, painted, repaired and tossed out. Ask yourself: If you were buying this home what would you want to see? The goal is to show a home which looks good, maximizes space and attracts as many buyers -- and as much demand -- as possible. While part of the "getting ready" phase relates to repairs, painting and other home improvements, this is also a good time to ask why you really want to sell. Selling a home is an important matter and there should be a good reason to sell -- perhaps a job change to a new community or the need for more space. Your reason for selling can impact the negotiating process so it's important to discuss your needs and wants in private with the REALTOR® who lists your home. When should you sell?
The marketplace tends to be more active in the summer because parents want to enroll children in classes at the beginning of the school year (usually August). The summer is also typically when most homes are likely to be available. Generally speaking, markets tend to have some balance between buyers and sellers year-round. In a given community, for example, there may be fewer buyers in late December, but there are also likely to be fewer homes available for purchase. So, home prices tend to rise or fall because of general demand patterns rather than the time of the year. Owners are encouraged to sell when the property is ready for sale, there is a need or desire to sell, and the services of a local REALTOR® have been retained. How do you improve your home's value?
The general rule in real estate is that buyers seek the least expensive home in the best neighborhood they can afford. In terms of improvements, this means you want a home that fits in the neighborhood but is not over-improved. For example, if most homes in your neighborhood have three bedrooms, two baths and 2,500 sq. ft. of finished space, a property with five bedrooms, more baths and far more space would likely be priced much higher and likely be more difficult to sell. Improvements should be made so that the property shows well, is consistent with the neighborhood and does not involve capital investments, the cost of which cannot be recovered from the sale. Furthermore, improvements should reflect community preferences. Cosmetic improvements - paint, wallpaper and landscaping - help a home "show" better and often are good investments. Mechanical repairs - to ensure that all systems and appliances are in good working condition - are required to get a top price. Ideally, you want to be sure that your property is competitive with other homes available in the community. REALTORS®, who see numerous homes, can provide suggestions that are consistent with your marketplace.

10 Steps to Home Ownership

Fri, 20 Mar 2009 09:57:00 -0700

Millions of new and existing homes are sold each year. There's no shortage of housing options, but with so many choices the challenge becomes finding the property which best meets your needs. The housing market is complicated because the stock of homes for sale is always in flux. If it were possible to have a complete list of every home for sale at this very moment in a given community, such a list would become obsolete within seconds as new homes become available and properties now for sale are put under contract. In effect, buyers are looking at a moving target in a marketplace that is never static. Because of this, it is important to know as much as possible about the choices in preferred markets, and the way to do that is by working closely with a local REALTOR® who has a good lay of the land. What are you looking for?
A home is more than just a collection of bedrooms and bathrooms. Several properties -- each with four bedrooms, three baths, and the same price -- may well represent radically different designs, commuting distances, lot sizes, tax costs, interior dimensions, and exterior finishes. Each of us is different and so it's important to list the features and benefits you want in a home. Consider such things as pricing, location, size, amenities (extras such as a pool or extra-large kitchen) and design (one floor or two, colonial or modern, etc.). Next, it's important to consider your priorities. If you can't get a home at your price with all the features you want, then what features are most important? For instance, would you trade fewer bedrooms for a larger kitchen? A longer commute for a bigger lot and lower cost? Lastly, consider your needs in several years. If you'll need a larger home, maybe now is the time to buy a bigger house rather than moving or expanding in the future. If you expect your income to increase, perhaps you should consider a more expensive home financed with a loan program where monthly payments increase in the future. Where should you look?
All neighborhoods and communities have a special nature that gives them identity and value. One community may be well known for historic homes while another offers both suburban living as well as easy access to downtown office areas. REALTOR.com® offers millions of homes online. By any standard, it's the largest source for property information, online or off. You can look at homes to contact listing brokers, and you can also search Realtor.com® to find brokers who offer buyer representation services. How do you find a house?
Some buyers like to search REALTOR.com® by looking at listings on the basis of location or price; others prefer to have local REALTORS® suggest properties; and many buyers prefer both approaches. Regardless of your choice, it's important to target your search. By using basic measures such as general location and affordability, you can refine your search and focus on homes that offer the most desirable features. As a guide, you should maintain a file with information on each of the homes you like. You can print out listing pages from REALTOR.com® and then make notes for each one -- what you like, questions, REALTOR® contact data, etc.

HUGE LOT! View All The Great REO Properties!

Fri, 20 Mar 2009 09:55:00 -0700

Check this out!

Opportunity knocks!! Perfect home for big family (4/2, 2,206 sf)

THERE ARE 347 REO PROPERTIES IN SAN JOSE. Don't miss out on your opportunity to buy in San Jose.
Visit VIEW REOS to view them all. Sign up to receive REO ALERTS.

Lisa Wiseman,
Realtor, SRES, Relocation Specialist and
Affordable Homes Consultant
Direct: (408) 591-7778
www.BayAreaHomesForYou.com

San Jose: Current Inventory and Pending

Fri, 20 Mar 2009 09:54:00 -0700

We are seeing lots of activity. Lowest rates in years and lowest prices. View REOS

if you don't want to miss out.

Single Family Residential
Years	New Listings	Current Inventory	Sales Under Contract
2009-01	946	2940	1067
2009-02	939	2960	1095
Summary	1885	5900	2162
Common Interest Development
Years	New Listings	Current Inventory	Sales Under Contract
2009-01	326	1123	343
2009-02	305	1132	361
Summary	631	2255	704
Multi Family Residential
Years	New Listings	Current Inventory	Sales Under Contract
2009-01	41	230	56
2009-02	60	237	51
Summary	101	467	107
Mobile Homes
Years	New Listings	Current Inventory	Sales Under Contract
2009-01	74	275	27
2009-02	86	314	27
Summary	160	589	54
Residential Lots & Land
Years	New Listings	Current Inventory	Sales Under Contract
2009-01	14	106	6
2009-02	18	114	5
Summary	32	220	11
Commercial Lots & Land
Years	New Listings	Current Inventory	Sales Under Contract
2009-01	4	13	2
2009-02	6	16	2
Summary	10	29	4
Commercial Industrial
Years	New Listings	Current Inventory	Sales Under Contract
2009-01	6	71	3
2009-02	11	67	1
Summary	17	138	4
Business Opportunity
Years	New Listings	Current Inventory	Sales Under Contract
2009-01	10	55	1
2009-02	7	54	0
Summary	17	109	1
Commercial Rental
Years	New Listings	Current Inventory	Sales Under Contract
2009-01	8	24	0
2009-02	3	20	0
Summary	11	44	0
Residential Rental
Years	New Listings	Current Inventory	Sales Under Contract
2009-01	19	34	4
2009-02	38	48	0
Summary	57	82	4

Almaden Valley Home Values

Thu, 05 Mar 2009 10:38:00 -0800

Welcome to my Blog: Real Dirt (Real Estate That Is!)

Located in San Jose's Almaden Valley bedside community (75 min.south of San Francisco and Monterey), at one time the 2nd largest Quicksilver producing mine in the world, active for over 125 yrs. Over 83 million pounds of quicksilver was produced for everything from Civil War explosives to Victorian wine glass, to 20th century battery cells and thermometers.Prior to this, the area was used by the Ohlone Indians for the deep red mercury-bearing rock, Cinnabar.But enough of the park's history! This diverse county park, located in Silicon Valley boasts 4147 acres, miles of hiking (part of The City of San Jose's Healthy Trails Initiative), biking and horse trails, a mining museum, a variety of plants and animals, and fabulous views of Almaden, Silicon Valley, Loma Prieta, Mt. Hamilton,Mt. Umunhum.Having this treasure within minutes of your backyard is only one of the benefits to moving into this desired community.

The largest Whole Foods in the South Bay is expected to open in the first quarter of 2009!

The average sales price for Almaden single family homes in the past 3 months was $1,040,704

Single Family Residential
2008 Q4
City/Area	County	New Listings	Current Inventory	Closed Sales	Average DOM	Average CDOM	Average Sales Price	Median Sales Price	% LP Rec'd	Total Sales Volume
Almaden Valley (13)	Santa Clara	82	82	42	47	71	1,040,704	990,000	96.31	43,709,590

The average sales price for Almaden condos in the past 3 months was $760,125

Common Interest Development
2008 Q4
City/Area	County	New Listings	Current Inventory	Closed Sales	Average DOM	Average CDOM	Average Sales Price	Median Sales Price	% LP Rec'd	Total Sales Volume
Almaden Valley (13)	Santa Clara	7	8	4	27	47	760,125	761,500	95.98	3,040,500
Summary		7	8	4	27	47	760,125	- -	95.98	3,040,500

For more details on Almaden Valley, click here.

Please contact me for more information on Almaden's award-winning schools and other attractions at (408) 591-7778,

Silicon Valley Home Values

Thu, 05 Mar 2009 09:46:00 -0800

Not so good new for home owners who have purchased in the last few years, but good news for buyers. Affordability is higher than it's been in a decade.

It's Investor Time!

Thu, 05 Mar 2009 09:12:00 -0800

Fannie now allows investors to hold up to 10 mortgages and get Fannie Mae backed loans. The limit had been previously reduced to 4.

It's a good move - investors account for at least 22% of the market, and 75% of their purchases are single family homes, condos, and townhouses - so they can clear up some of the inventory.

Buying Down Points?

Thu, 05 Mar 2009 09:08:00 -0800

If your Purchase Offer includes a credit from the Seller, and you are planning to pay points to buy down the rate, (there's never been a better time to pay points, because the rate reduction one will receive has rarely if ever been greater than it has been lately. Whereas a point may have bought down the rate a 1/4% to 3/8% in the past, now it's buying that rate down 5/8% to 7/8%).

MAKE SURE TO DESIGNATE THAT THE CREDIT IS FOR PAYING THE POINTS, IN ADDITON TO (or RATHER THAN) THE CLOSING COSTS on the Purchase Contract! Why? Because Points, REGARDLESS OF WHO PAYS THEM, can be written off by the buyer in the year in which they are paid (Tax Year of Close of Escrow date).
Example:

Your Purchase Offer provides for a $15,000 credit from the Seller, $7500 of which will be used to buy down the interest rate. DON'T put, "$15,000 Seller Credit to pay Closing Costs". Instead, put "$15,000 Seller Credit to pay $7500 in Loan Discount Points, and $7500 in Closing Costs". This provides the Buyer concrete proof that $7500 is going to pay points, so they'll have a paper-trail to prove that write-off.

Excellent for a First-Time Homebuyer who is also receiving the $8000 Tax Credit this year! In the example above, assuming a 33% tax bracket, a $7500 write-off would provide for a $2500 reduction in taxes, resulting in a total of $10,500 dollars of tax credit this year for a First-Time Homebuyer!

Sage advice from a saavy mortgage advisor I work with. Contact me if you'd like more information.

Mortgage Interest Deduction at Risk!

Fri, 27 Feb 2009 07:37:00 -0800

President Obama's proposed budget includes a provision to reduce the mortgage interest deduction.A reduction for those earning more than $250,000 will negatively impact the California housing market, further erode opportunities for homeownership in our state, and will contribute to further price declines and diminished equity for homeowners already reeling from the economic downturn.

Write your representatives about this one as it will have a direct impact on you whether you own a home or will in the near future.

House Prices Will Rise Greatly over the Next Few Years, Buy Now

Fri, 27 Feb 2009 07:37:00 -0800

Very interesting commentary on this subject. History repeats itself.
Buyers take heed....

Prices Will Rise, Buy Now

Owning & Affordability Becoming a Reality

Fri, 27 Feb 2009 07:06:00 -0800

The cost of owning vs. renting has begun to swing in the direction of home ownership. After 2 yrs. of rapid
home depreciation, the cost of rental payments vs. after tax mortgage payments is favoring home ownership.
Many are finding that they can pay less on a mortgage than what they would rent.

Home affordability is also at a high not seen since the '90s. The minimum household income needed to purchase an entry-level home at $248,030 in California in the fourth quarter of 2008 was $48,900, based on an adjustable interest rate of 6.02 percent and assuming a 10 percent down payment. First-time buyers typically purchase a home equal to 85 percent of the area's prevailing median price. The monthly payment including taxes and insurance was $1,630 for the fourth quarter of 2008.

At $48,900, the minimum qualifying income was 42 percent lower than a year earlier when households needed $83,700 to qualify for a loan on an entry-level home.Recent decreases in home prices and mortgage rates have brought affordability into better alignment with income levels of the typical California households, where the median household income is $59,160.

At 76 percent, the High Desert region was the most affordable area in the state.The San Luis Obispo County region was the least affordable in the state at 44 percent, followed by the Los Angeles County region at 46 percent.

Lower prices and interest rates are spurring some buyers to get off the sidelines, though lending standards are stricter than before, particlularly
on jumbo loans (loans higher than $729,750, the conforming loan limit.

Below is a helpful own vs. rent calculator to assist you in this decision.

Willow Glen Home Values

Sun, 15 Feb 2009 10:47:00 -0800

Welcome to my Blog: Real Dirt (Real Estate That Is!)

The average sales price for Willow Glen single family homes $798,798

Single Family Residential
2008 Q4
City/Area	County	New Listings	Current Inventory	Closed Sales	Average DOM	Average CDOM	Average Sales Price
Willow Glen (10)	Santa Clara	228	231	88	46	78	798,798
Summary		228	231	88	46	78	798,798

The average sales price for Willow Glen condos was $439,918

Common Interest Development
2008 Q4
City/Area	County	New Listings	Current Inventory	Closed Sales	Average DOM	Average CDOM	Average Sales Price
Willow Glen (10)	Santa Clara	31	43	9	73	81	439,918
Summary		31	43	9	73	81	439,918

Willow Glen, San Jose's desirable community was founded in 1927. Prior to that it had been an unincorporated community since the 1860's. Willow Glen is conveniently located about 3 miles south of downtown San Jose and boasts a stable, sought-after housing market historic homes, that include Spanish-style bungalows, tudors and Victorians all located in tree-lined streets as well as award-winning schools. The town also features a unique business district that includes everything from Starbucks, to independent bakeries, restaruants, clothing wine and bookstores. Senior centers and senior housing as well as parks and libraries are also abundant. Residents share a strong sense of community and participate in events such as Dancing on the Boulevard and Founder's Day. 'The Avenue' has become a vibrant, popular and enjoyable part of the community.

For more details on Willow Glen, click here.

My office is conviently located in Willow Glen on the corner of Meridian Ave. and Hamilton.
Please contact me at (408) 591-7778 for more information or to stop by and say 'hi'.

My office is located in this wonderful town, at the corner of Meridian Ave. and Hamilton Ave.

Can't, Won't, or Might Sell?

Fri, 13 Feb 2009 10:45:00 -0800

The brutal truth facing today's sellers is that this is the most difficult market to sell w have seen in years. Be truthful with yourself. Do yourself
and the professionals a favor and ask yourself the 2 very important questions that are pertinent in this market:

Do you have to sell?
If I am offered a fair market value(today's market, not 2 years ago!), will I accept it?

If the answer is no to either of these questions, please, save yourself the time, angst and money by waiting until the time is right.

Show Me The Money

Fri, 13 Feb 2009 10:08:00 -0800

Welcome to my Blog; Real Dirt; Real Estate That Is!

Want to know where the money goes in an average real estate transaction?

Where it All Goes…

6%
(Assuming this is a 6% Transaction)

Listing Agent Buyer’s Agent

3% 3%

Broker Split Broker Split

1.5% 1.5%

How the Other 1.5% is Spent:

Marketing & Advertising
Supplies
Gas
Office Fees
Team
(i.e., transaction coordinator, etc.)
Annual Realtor Fees and Licensing
Required Continuing Education
Professional Time and Expertise
Taxes!

Not what you thought I'm sure!

Silicon Valley Home Values

Mon, 09 Feb 2009 09:29:00 -0800

Below are the 2008 4th Quarter results for home values in the Silicon Valley area.

911 vs. Banker Bozos and 90 Years and Working

Sat, 07 Feb 2009 03:33:00 -0800

Welcome to my blog; Real Dirt; Real Estate That Is!

I was listening to a radio show and an interesting point of view came up. As horrifying and
unspeakable as the events of 911 were, these banker bozos may in the end be responsible
for more destruction of the financial infrastucture and of lives in other ways, although we have yet to see the full fallout of potential suicides, and other deaths that result from people losing their life savings.

On the positive side, I read an article about a local man, who at age 90 lost his life savings
(over $700k)is back to work at a grocer's and is just happy to be alive.

A Real Tax Credit 'Realief''

Sat, 07 Feb 2009 03:22:00 -0800

Welcome to my blog: Real Dirt; Real Estate That Is!

Finally, a relief plan that offers some relief-it's a start!

Here are some of the things that this bill would do:

Provide a direct tax credit to any one who purchases any home!
Amount of the tax credit would equal 10% of the purchase price or $15,000, whichever is less
Purchases must be made within one year of this legislation being enacted
This tax credit would not to be repaid
Taxpayers would be able to claim the credit on their 2008 income tax return
This will only apply to the purchase of a principal residence
The Credit would be recaptured if the home sold within two years of purchase
This would override the current $7,500 housing tax credit on the date of enactment

Now we're talking! This could help many people with closing costs and downpayment!! In addition, it's retroactive within a year.

Next in Line: Toxic Asset/Bad Bank Purchases?

Sat, 07 Feb 2009 03:17:00 -0800

Welcome to my Blog: Real Dirt; Real Estate That Is!

I'm no economics expert, but this looks like it ccould be another big plus or minus
in the new year.

What's a bad bank? The one under consideration at Treasury would buy frozen mortgage assets off the books of large and small commercial banks. That in turn would give them the capital they need to lend to all sort of borrowers, including real estate investors.

Check out this link for more information. Investor Report: Bad Bank Program

Property Taxes & Home Value

Tue, 03 Feb 2009 13:39:00 -0800

Welcome to my blog: Real Dirt; Real Estate That Is!

Property taxes are usually based on your "assessed" value, which is determined by the County Tax Assessor. They are most commonly affected when there has been a change of ownership, permitted remodeling/additions, or permitted new construction.

(PROPOSITION 8) DECLINE IN YOUR PROPERTY VALUE

The assessed value of a property should never be higher than the property's value on the open market. Occasionally, market forces and other factors will cause a property's value to decline significantly enough to create that situation. In these cases, the Assessor may lower the assessed value of any real property if it is higher than the market value as of January 1st. The "Decline in Value Assessment Program" (Proposition 8) allows for a temporary reduction in assessed value.

If you believe the market value of your home has has declined, and is below your assessed property tax amount, you may be eligible for a temporary reduction in your property taxes. Each case is reviewed individually by the County Assessor at the request of the property owner. You should begin the process by contacting your County Assessor directly. Most often your County Assessor will handle the process without the use or need of an outside appraisal service.

Please contact me at (408) 591-7778 for the contact information of a local real estate appraiser.

What's Alpha Inventions?

Mon, 02 Feb 2009 11:08:00 -0800

If you're a blogger, you need to check this out:

http://alphainventions.wordpress.com

Cupertino Home Values

Mon, 02 Feb 2009 11:06:00 -0800

Welcome to my blog: Real Dirt (Real Estate That Is!)

The average sales price for single family homes in Cupertino was $1,014,192

Single Family Residential
2008 Q4
City/Area	County	New Listings	Current Inventory	Closed Sales	Average DOM	Average CDOM	Average Sales Price
Cupertino (18)	Santa Clara	142	94	65	50	57	1,014,192
Summary		142	94	65	50	57	1,014,192

The average sales price for condos in Cupertino was $606,325

Common Interest Development
2008 Q4
City/Area	County	New Listings	Current Inventory	Closed Sales	Average DOM	Average CDOM	Average Sales Price
Cupertino (18)	Santa Clara	52	46	35	40	59	606,325
Summary		52	46	35	40	59	606,325

While growing up in Cupertino and playing in the orchards and creeks,
it sometimes seemed as if I were living in a magical place. Now this
fabulous town has become an affluent, sought-after community.
Located an hour south of San Francisco and an hour north of Santa Cruz,
this city now boasts award-winning shools, parks, a golf course, fabulous
restaurants, a library, community center, businesses, a farmer's market,
shops, all with easy access. Being such a popular city has made housing
affordability a little challenging, but surprisingly, affordable homes do exist!

For more details on Cupertino, click here.

Please contact me at (408) 591-7778, and I'd be more than happy to assist you

Senior Housing Solutions Continue to Broaden

Mon, 02 Feb 2009 08:01:00 -0800

Senior Housing Solutions Continue to Broaden

News that Barack Obama's mother-in-law, Marian Robinson, will be moving to the White House has focused fresh attention on multigenerational housing, an option that is gaining popularity as families look for safe, affordable housing for aging family members. The Obama choice is just one of an ever-broadening array of options for seniors who are seeking-and finding-fulfilling living arrangements.

Andrea Cohen, co-founder and CEO of Boston-based HouseWorks, a senior home care company, anticipates a paradigm shift in coming decades and expects that seniors will begin viewing retirement living as something to get excited about, not something to fear. Part of that shift will involve innovative housing, some of which includes:

Intentional communities

Cohen is an advocate of intentional communities as a way for seniors to age in place. Instead of moving to a facility to receive care, residents come together to form an intentional community and to contract for and provide support for members. Members pay a fee and have access to services for home, personal and nursing care. Service providers are vetted in advance to ensure that they're qualified and honest. In addition, there's a social component-outings, get-togethers, classes, continuing education, and so forth-to such villages that reduces the isolation of aging.

Boston's Beacon Hill Village is one of the most well-know intentional communities, and new ones are emerging across the country. The make-up, operation and services of each village are driven by its members, according to Cohen, and reflect the needs, desires and values of those people. "Most seniors are afraid to leave what they know, so this is a perfect alternative," says Cohen, who was involved with the launch of and continues to provide services to Beacon Hill. "Many have found that it's a second chance to make new friends in an environment they're familiar with and already call home."

Developing such a community is something of a grassroots effort and starts with interested parties joining forces to assess interest, determine wants and needs, recruit members, develop budgets and start-up funds and find service providers. For more information, visit the Beacon Hill Village website http://www.beaconhillvillage.org/faq.html. It also sells a how-to manual that offers insight into starting a group.

Multigenerational housing

Multigenerational households, in which family members from different generations live together, vary from situation to situation. Some entail a parent moving into a spare bedroom or an in-law suite, and others involve building small stand-alone cottages. The arrangement brings both challenges and benefits. Young parents may welcome the financial and childcare assistance of a parent moving in, and seniors may enjoy the extra time with grandchildren and a return to a routine of family life.

Among her clients, Cathy Rosebaugh-Jennings has seen some families thrive and others struggle with the situation. Rosebaugh-Jennings ^SRES is a Raleigh, N.C.-based real estate practitioner who founded of Alterna Home Solutions (an Affiliate, Ammons Pittman GMAC Real Estate), a company focused on the real estate needs of those over the age of 50. "Having a parent live with you is a unique situation and it's one that really has to be talked through," she comments. Successfully maneuvering such an arrangement requires honestly assessing whether everyone-children, grandchildren, parents and spouses-can tolerate and benefit from the living style. That includes looking at how it fits with everyone's lifestyle, assessing whether the relationships can withstand intense day-to-day contact, deciding on the division of labor and determining financial arrangements. For financial considerations, see, "How to Prepare When Elderly Parents Move In With Adult Children" http://www.elderlawanswers.com/resources/article.asp?id=5446&section=4&state=.

Another consideration is deciding how parents will be cared for as they age and their medical needs increase. A New York Times article by Jane Gross, "Tips for Multigenerational Households," http://newoldage.blogs.nytimes.com/2008/12/08/tips-for-multigenerational-households/ offers insight on creating successful multigenerational households. "If you can set it up where there's autonomy for the family and the senior, and there are clear expectations, multigenerational living can be wonderful," says Cohen. "Moreover, it's a great way for children to be exposed to another generation in a natural way."

Senior roomies

Katie Eller, a social worker and training manager for My Health Care Manager, Indianapolis, Ind., has noticed that two seniors moving in together is becoming an increasingly appealing housing option for some. Both benefit by sharing expenses, decreasing loneliness and having someone to watch out for them. In addition, their abilities often end up complementing one another. If one person has difficulty with certain tasks, the other can likely pick up the slack, for example. Ideally, such arrangements involve long-time friends or neighbors, though Eller has seen services that connect senior roommates. She recommends approaching such matchmaking with caution. "Seniors are at risk of fraud, so it's important to investigate the service itself," she comments. It's also advantageous for families to meet prospective roommates and their families and to check into roommates' backgrounds. Equally critical is hashing out appropriate financial arrangements, such as who owns and pays for the property, how expenses will be divided, and what rights a remaining roommate has when the other dies.

Green House

Another promising housing alternative is something known as The Green House^®, an option in which six to 10 seniors live together and receive daily living assistance. The concept delivers long-term care in a de-institutionalized environment, and the Green House combines the warmth, privacy and décor of a single-family house with services-such as meals and medical attention-residents would find at an assisted living facility.

"It's a nice alternative to a nursing home," comments Eller. "The properties look fantastic and the concept is really good because a small number of residents and a good number of staffers equal more personal care and attention." For more on The Green House^®, see, http://www.ncbcapitalimpact.org/default.aspx?id=664.

Family care

When their mother could no longer maintain the family house alone, Dr. Nathan Booth ^{sres, cips} , a practitioner with Westgate Realty, Falls Church, Va., and his siblings devised a simple, loving housing solution for his mother. They sold the large family house and bought a smaller property. All the kids contributed to home maintenance and medical costs, and one sister moved in to care for Booth's mom until she passed away.

Knowing their mom was a trusting soul, they protected her assets from potential fraudsters by maintaining one small checking account for her personal use. More substantial assets were held in account that required both her signature and that of her daughter for funds to be released. Regular family meetings kept everyone apprised of the mom's financial and care needs.

With the overriding concern that his mom be taken care of by family and for her to be with family members 24-7, the housing option was an obvious choice. "It was important that we care for our mom and not give that responsibility over to someone else," Booth recalls. And when she worried that her assets would run out-a chronic fear of seniors-Booth's response to his mom was, "Your children are your assets."

Lisa Wiseman
Realtor, SRES, CMRES
Affordable Homes Consultant
A Bay Area Native You Can Trust...
Direct: (408) 591-7778
Free Reports: 1-866-653-9350
www.BayAreaHomesForYou.com

Downsizing? Tips....

Mon, 02 Feb 2009 07:42:00 -0800

Contact me for help in finding the right home, whether it be active adult living, assisted living or more. As a Seniors Real Estate Specialist, I have extensive resources to assist you or a loved one with their needs.

For example, Vintage Silver Creek offers assisted living, independent living, alzheimer's and respite care, with a huge variety of amenities and services.

Below are some tips for downsizing:

Downsizing a house can be difficult whether you're selling your home or doing your spring cleaning early. Here are some tips on how to downsize your home without losing the important items in your life.

How To Downsize Your House

Many people are looking to downsize these days, either because they're getting older or they need to reduce the financial burdens of a big house and mortgage. But editing a lifetime's worth of possessions can be difficult.

Start early: Too often, families don't start going through their things until they've signed a contract on their new home. Then as they become overwhelmed with other details of moving, they quickly abandon the process and frantically throw everything into boxes at the last minute.

Moving to a smaller home is much less stressful if you start to weed through your things at least three to six weeks before you put your old house on the market. It also will make the house look less cluttered and more desirable to buyers.

A few years back, Mr. Henderson moved from a house in New Hampshire where he'd lived for 19 years. But because he and his wife didn't get around to weeding out their things before hand and packed at the last minute, he now has a warehouse full of things he, his wife and his two kids, now 26 and 22, no longer use. "I'm a perfect example of what not to do," he says.

Use concentric circles: When we acquire objects, we place them in our house relative to their emotional value to us. Objects that are in the heart of the home, in the family room and kitchen, are those we value and use the most, so they can be packed up immediately. Those objects farthest away from these rooms, in a shed, attic or basement, may have lost their importance to us over time. That's where we should begin the culling process. Then move to other rooms farthest from the home's prime living areas, like the bedrooms. Continue culling in ever-smaller circles.

Involve your spouse and children: The job of editing a family's possessions usually falls on women, but it's essential that the whole family be involved, since objects hold different meaning for different people. A wife who decides to save her child's outgrowntoy train set may later discover that her adult child doesn't want it and she's been storing it for years for no reason. Conversely, she may inadvertently toss an old baseball glove of her husband's that reminds him of the summer he was the Little League pitching star and holds great sentimental value.

Use your imagination: Try to envision where every object will fit in your new house, and decide whether you'll still be using it two or three years from now. If you can't use it, toss, sell or donate the item.

Consider selling your home furnished: Although most people put great emotional value on artwork and personal possessions, furnishings like couches, rugs and end tables usually have less meaning. By offering your home furnished, you'll drastically reduce moving costs and may make your home more valuable to buyers, especially if your home is in a resort area. Then you can shop for new furnishings that better work with your new, downsized space.

Digitize photographs: Photos of family and friends are often our most valued possessions. They're also often stuck in bulky boxes somewhere, where they can't be enjoyed and are vulnerable to fire, water damage or insect infestation. Allow yourself several days to go through your collection, throwing out duplicate and unflattering shots. Scan the remainder, and then make a CD, which you should keep in a fireproof safe or your safety deposit box. As a further backup, post the photos to a Web site. Then arrange the paper photos in beautiful albums that you can keep in your new home's family room, where you'll be more likely to look at them often.

Shadow Bailout

Sat, 27 Dec 2008 04:01:00 -0800

I am no economics expert, but this sounds rather unusual, and the word 'shadow' very
unscrupulous. Those of who aren't that saavy on economics are getting a crash course
and learning the hard way.

The U.S. Federal Reserve and central banks around the world are reportedly adding to the funds
they can pump into money markets.

The Fed announced a $150 billion dollar lending program for banks in additon to a $330 billion dollar "swap line" with foreign central banks. This is in addition to the $230 billion that the Fed borrowed last week and now brings the total to $620 billion dollars.

Check out the link below, which has this lead in: The majority of Americans are against a government sponsored mortgage bailout for borrowers and lenders, but that hasn't stopped the government from working behind the scenes to carry out several plans meant to transfer risk and responsibility to the public.

http://efinancedirectory.com/articles/Shadow_Mortgage_Bailout_Already_in_Progress.html

And here's another link on the JPMorgan bailout:

http://prairieweather.typepad.com/big_blue_stem/2008/10/so-whats-jp-morgan-chase-really-doing-with-the-bailout-money.html

Thomas Kelly, spokesperson for JP Morgan Chase, which received $25 billion in emergency bailout money
stated 'We have not disclosed that to the publice. We're declining to.', when asked what their plans were
for the money.

Hey, that's my money! Inquiring and investing minds want to and deserve to know.

What a mess.... The new commander in chief has a lot of work cut out for him.

Accountability???

Sat, 27 Dec 2008 03:11:00 -0800

Welcome to my blog: Real Dirt (Real Estate That Is!)

So are the Chinese correct? Is it a bad idea to trust the government with your funds?
Few of us, if any thought this would be an issue here in the free world, but here we are.

Now the banks that we are bailing out are refusing to disclose how they are spending
our money!! Imagine trying to borrow money from them without a plan on what you
were going to do with the money!

'We're choosing not to disclose that', said Kevin Heine, spokesperson for Bank of
New Your Mellon, which received $3billion. Said 'Thomas Kelly, spokesperson for
JPMorgan Chase, 'We have not disclosed that to the public. We're declining to.'
Excuse me, CHOOSING??? DECLINING??? Can you see your request for a loan
being approved with these words? Can you see us never getting out of this mess
with this type of unaccountability? AAAARGGHHH!!

Whose running this show? The 3 Stooges?

This explains how we got into this mess in the first place.

CAREGIVER BURNOUT -- ADULT DAY CARE SERVICES TO THE RESCUE

Sat, 20 Dec 2008 04:20:00 -0800

If you are a primary caregiver for a loved one, you are well aware of the daily stress and emotional and physical impact it can have on your health.

Susan learned this first hand when she and her husband, Tom, brought his Mom home to live with them. Mom suffered from dementia and had to be watched constantly. Susan found that when you become a caregiver, you start by giving up a few things you usually do for yourself to make up for the time needed for caregiving. Even though your service is one of love and you are willing to do the sacrifice on behalf of your loved one, you find yourself giving up a lot more as time goes on.

"As a caregiver," Susan laments, "You are often frustrated that you can't do enough for your loved one and so guilt and feelings of inadequacy set in. Couple that with feelings of being unduly burdened, of resentment, of stress and then of more guilt at having those feelings."

She continues, "Now don't get me wrong, I am very glad that I spent those years in caregiving. There were many cherished moments with Mom that only I experienced."

In order to enjoy those moments and sustain your caregiving momentum, a little respite is essential.... read the entire article by going to the link below:
http://www.planforcare.org/

2009 Loan Modifications

Mon, 15 Dec 2008 13:48:00 -0800

Servicers (which are usually not the same as originators) will use a streamlined loan modification process to help eligible borrowers. The SMP applies to borrowers who have missed at least three monthly payments on their existing mortgages. To be eligible, criteria include conforming conventional or jumbo conforming mortgage loans originated on or before January 1, 2008; at least three payments past due; limited to one-unit properties that are the borrower's primary residence; current mark-to-market LTV of 90 percent or more; and the property cannot be abandoned, vacant, condemned or in a serious state of disrepair. Servicers may modify eligible borrowers mortgage loans in order to reduce their monthly mortgage payments to an amount equal to 38% of their monthly gross income with actions in the following order: capitalize accrued interest, escrow advances and costs, if allowed by state law; extend the term of the mortgage loan by up to 480 months; reduce the mortgage loan interest rate in increments of .125% to a fixed rate that is not less than 3% (if this exercise results in a below market rate, it will, after 5 years, step up in annual increments to a market rate); and, as a last resort, provide for principal forbearance, which will result in a balloon payment fully due and payable upon borrower's sale of the property or payoff or maturity of the loan.

Contact me at (408) 591-7778 for the name of a competent and trustworthy advisor.

2009 FHA Facts for Home Buyers

Mon, 15 Dec 2008 13:41:00 -0800

Welcome to my blog; 'Real Dirt; Real Estate That is!

Borrowers for FHA purchase transactions are required to make a 3.5% down payment. AS of Jan 2009

As a result, the maximum LTV without the upfront mortgage insurance premium will be 96.5%.
The LTV, including upfront mortgage insurance, may not exceed 100%.
The base loan amount before upfront mortgage insurance may never exceed FHA's maximum mortgage limit for the county in which the property is located.
Closing costs may not be used to help meet the 3.5% down payment requirement.
The 96.5% LTV is calculated using the lesser of the appraised value or purchase price.
FHA will continue to permit premium pricing to pay the closing costs and prepaid expenses.
When combined with the FHA first mortgage, government subordinate liens are not limited to 100%.
When a unit of government or an instrumentality of one is offering down payment and/or closing costs assistance in the form of secondary financing, the CLTV can exceed 100% of the appraised value.

Please feel free to contact me at (408) 591-7778 for more informtaion and the name of a competent and trustworthy mortgage advisor.

'Fed' Up!

Sun, 07 Dec 2008 04:31:00 -0800

Welcome to my blog; 'Real Dirt; Real Esate That Is!'

At this point, the majority of Americans have had it up to here with bailouts for
conglomerates and their CEOs who are so out of touch with the average person
and have no regard for the future. (Living in the present is a good thing, but
not for these guys!)

My questions still stand:

When will those responsible be forced to reimburse their victims; mainly those
who were preyed upon, lied to and lost their homes, as well as Jane and John Q
taxpayer, who will now be footing the bill?
What have we been paying the so-called regulators for???

This is an awful lesson of what happens when people are overpayed.

$7500 Tax Credit to Sellers Instead?

Sun, 07 Dec 2008 04:20:00 -0800

Welcome to my blog 'Real Dirt: Real Estate, That Is!

There are a lot of saavy people out there who feel the $7500 tax credit will not be a real
incentive for potential buyers. Where does this money come from? Higher taxes, of course,
which in turn can put a lot of people at risk of losing their jobs as these companies get
taxed more and more. $7500 is not really going to much of an incentive for a buyer on
the fence, is it? It's a tax credit, not actually $7500, which in the end may be only a
couple hundered dollars. Why not use that money as a tax deduction for sellers who offer
incentives to buyers?

Any innovative ideas? Time's a wasting!

More Downtown Events

Fri, 05 Dec 2008 00:45:00 -0800

Welcome to my blog: Real Dirt (Real Estate, that is!)

DOWNTOWN WINTER EVENTS SCHEDULE

Christmas in the Park Nov. 28-Jan.1
Downtown Ice Nov.14-Jan.11
Winter Wonderland Nov. 26-Jan. 4
Farmer's Market & Holiday Craft Fair Dec 5, 12 & 19
San Jose Holiday Parade Dec. 7
Christmas in San Pedro Square & Scavenger Hunt Dec.7-31
Gift Market at Winter Wonderland Dec. 11-23

If you are interested in making downtown San Jose home, please
contact me regarding the new developments, resale homes and
foreclosures at (408) 591-7778.

Downpayment Assistance-Will They Make a Comeback?

Sun, 30 Nov 2008 09:41:00 -0800

To the dismay of many, this summer's Housing and Economic Recovery Act did away with down-payment
assistance programs for FHA home purchases. There is talk that this ban may be lifted, and for good
reasons. One of them being that over 30% of loan volume through FHA was represented by these
programs and only those who can provide a down-payment or get one through the bank of mom and
dad will be able to purchase a home, which leaves many potential homebuyers (yes, those with good
credit and the ability to pay their loans) out in the cold.

S.F. Congestion Charge??

Fri, 28 Nov 2008 10:17:00 -0800

OK, let's see all hands for those of you who travel to San Francisco and think charging visitors
and commuters an additional charge for traveling in the city is a good idea?

San Francisco transportation planners are looking at various scenarios, such as charging motorists at the major entry points to the city - the Bay Bridge, Golden Gate Bridge and the freeways to the south; or charging people who drive into the Civic Center, downtown and South of Market - job centers where traffic is heaviest.

I was born in the city, and used to enjoy visiting and performing there, but have avoided it in the past five or so years as the cost to me has become exorbitant. I enjoyed seeing shows and eating at the famous restaurants, but when you add the cost of commuting and parking there to the cost of dinner and a show, the overall hassle and now another fee on top of that! These planners are going to really kill the tourist industry
in their city. These are people who are out of touch with the average commuter. It would be a different story if we had an effective transit system
throughout the Bay Area, but at this time that is not the case. I worry about those who work 'the boards', as their roles are few and far between, with little if any pay, as now not only will their costs involved to travel to their jobs increase, but there is bound to be less demand.

Lock in Those Rates!

Wed, 26 Nov 2008 11:46:00 -0800

As of today, 30 year fixed mortgages are 5.5% for refis too for those who qualify. Lock in those rates!
Contact me for a trusted and responsible mortgage advisor at (408) 591-7778.

Housing Corrections to Free Up Borrowing

Wed, 26 Nov 2008 11:39:00 -0800

Welcome to my blog: Real Dirt (Real Estate that is!)

The fed has finally caught on and will be adding another $800 billion to aid in recovering the
housing market. This time they claim to make sure the funds go towards freeing up borrowing
restrictions. It's about time!

Helping Troubled Borrowers

Tue, 25 Nov 2008 11:15:00 -0800

On Nov. 11th, the FHA (Federal Housing Finance Agency) announced loan modification programs designed to help subprime and other borrowers who are seriously behind on their payments(3 months or more) and slipping into foreclosure. The program begins Dec. 15. It is a requirement that the homeowner show that they have experienced some form of hardship. If they qualify, they may receive either a large drop in interest rates, deferrals of principal payments or extended loan terms. Participating lenders want to hear from these homeowners as soon as possible . So if you or someone you know fit the requirements and are unable to contact your lender, you can go through the Hope Now Alliance (www.hopenow.com) or through the US Department of Housinmg and Urban Development (www.hud.gov/foreclosure). There is also a toll free # 1-888-995-4673.

Los Gatos House of Hope

Tue, 25 Nov 2008 10:21:00 -0800

A joint project of Calvary Church, West Valley Community Services and Second Harvest Food Bank, the food pantry, for needy Los Gatos residents is expected to open sometime between Thanksgiving and Christmas. It will be located on Calvary's property at 16286 Los Gatos Blvd.

The pantry will be open on Tuesdays, Thursdays and Saturdays from 4 to 8 pm.

Community Links

Fri, 21 Nov 2008 11:16:00 -0800

The South Bay

The City of San Jose
The San Jose Downtown Association
Naglee Park
Santana Row
San Jose Redevelopment Agency
Willow Glen
Willow Glen Neighborhood Association
Almaden Valley
Alamden Valley Community Association
The City of Los Gatos
City of Campbell
The City of Saratoga
The City of Cupertino
The City of Sunnyvale
The City of Santa Clara
The City of Milpitas
Scotts Valley Chamber of Commerce
The City of Boulder Creek
The City of Santa Cruz
Aptos Chamber of Commerce
The City of Capitola

The Peninsula

The City of Mountain View
The City of Los Altos
The City of Palo Alto
The Town of Portola Valley
The City of Redwood City
The City of San Bruno

The East Bay

The City of Fremont
The City of Oakland
The City of Union City
San Leandro
The City of Pleasanton
The City of Livermore
The City of Danville
The City of Walnut Creek
The City of San Ramon
The City of Dublin

The North Bay

The City of Pacifica
The City of South San Francisco
San Francisco
The City of Sausalito
The City of San Rafael

WGDISTW? Break a Leg

Tue, 18 Nov 2008 11:52:00 -0800

Break a leg (OK, a foot), and everyone rallies! I don't recommend it, but
it always renews the spirit to see everyone's true colors-and they're beautiful!

Almaden Breakfast with Santa

Tue, 18 Nov 2008 11:42:00 -0800

The Almaden Valley Counseling Service Auxiliary invites families to celebrate the beginning of the Holiday Season with a Breakfast with Santa. This much anticipated family friendly annual fundraising event will be held at the Almaden Golf and Country Club and feature a delicious Breakfast Buffet and Pancake Station, individual pictures taken with Santa, and a raffle featuring a fully decorated Christmas Tree with gifts for giving! Funds raised will help to provide counseling services to low-income children, teens, parents and families. Tickets are $25 for adults, $20 for Children (ages 2-10), and $10 for Children under 2 (if you need a high chair or want to have a picture with Santa and other goodies). This event always sells out so make you reservation as soon as possible by downloading a form at www.avcounseling.org (under Fundraising Events), or call 997-0200. All proceeds will benefit the Almaden Valley Counseling Service.

Fantasy of Lights

Tue, 18 Nov 2008 11:41:00 -0800

Santa Clara County Parks Department presents its annual "Fantasy of Lights" event at Vasona Lake Park. Celebrating its 10th year Anniversary, this bay area tradition will feature new displays - including an erupting volcano - prizes, a drawing, and coupons on the website. Go to www.Parkhere.org for more information and directions. Hours are 6 - 10 p.m. nightly; admission is $10 through Dec. 10, $15 from Dec. 11 - Dec. 31. Vasona Lake Park is located at 333 Blossom Hill Road in Los Gatos.

Santana Row's 7th Annual Tree Lighting Ceremony "Light Up the Row"

Tue, 18 Nov 2008 11:34:00 -0800

Santana Row kicks off the holiday season with its annual holiday tree lighting ceremony, hosted by NBC 11's Brent Cannon and Laura Garcia-Cannon. This South Bay tradition takes place from 7-7:30 p.m. on the Celebration Stage on Olin Avenue and will include the lighting of more than 500,000 twinkling lights adorning the entire neighborhood as well as a magnificent 40-foot Christmas tree in Park Valencia. In addition to music and dance performances, San Jose native Katee Shean, a recent finalist on season four of "So You Think You Can Dance," will make a special appearance. Additional festivities include live music and dance performances and holiday activities for children of all ages as well as food and beverage sampling from 6:30 - 9 p.m. For more information, visit www.santanarow.com

Contact me if you are interested in purchasing a home in this fabulous, desirable community!

Volunteer Trainers Needed in San Jose

Tue, 18 Nov 2008 11:07:00 -0800

Interested in becoming a volunteer trainer? Register for the upcoming Train-the-Trainer event!

Date: February 28, 2009
Time: 9 am to 12 pm

Location: Willows Senior Center (2175 Lincoln Ave. San Jose, CA 95125)

To register, call (408) 277-4598 or email sjprepared@sanjoseca.gov

What's New in Downtown San Jose

Tue, 18 Nov 2008 10:54:00 -0800

Besides all the new developments, museums, theatre, great dining, historical buildings,
farmer's market, music in the park, night life and yes, foreclosures?

Well, for one, on a balmy 85 degree November day, the annual holdiay ice rink has
opened, and Christmas in the Park begins November 28th!!

Taking Your Taxes with You

Tue, 18 Nov 2008 10:24:00 -0800

Welcome to my Blog, Real Dirt (Real Estate, That Is!)

Have you ever wanted to move to another community or downsize, but the property taxes
of the new home made it non cost-effective? If you are 55 or over and live in California,
you can take advantage of Proposition 60. This proposition allows you to transfer your
current tax base to your new home as long as you move within the same county and the
home you purchase costs the same or less. It is only transferable to a few counties under
Proposition 90.

If you're not 55 yet, something to look forward to!

Call me for more information..

1 in 7 Underwater

Tue, 18 Nov 2008 10:12:00 -0800

Welcome to my Blog, Real Dirt (Real Estate, That Is!)

The San Jose Mercury reported this week that 1 in 7 homes in Santa Clara Valley is underwater.

Yes, some people admittedly got themselves into this situation knowing full well they
couldn't afford a home, got caught up in the desire to obtain 'the American dream', or were greedy investors.
But now that this is all hitting closer to home, many realize that many of our friends and neighbors, or ourselves
are just a few paychecks away from a situation like this should disaster strike. It's too late for 'could have', 'should
have', or 'would have'. Now is the time for solutions.

Foreclosures and Karma

Mon, 03 Nov 2008 11:27:00 -0800

Welcome to my blog, Real Dirt (Real Estate That Is!)

There's no denying the impact the foreclosure market has had on the current housing market, and will for some time to come.

If you decide to purchase foreclosures, your approach should include:

Solid background information

Most people don't even know what a foreclosure is, according to Trulia.com. Get some background information not only on the details of the foreclosure process, but information about the spate of foreclosures in today's market.

Expert assistance

Work with a real estate agent or attorney experienced in foreclosures and the local market.

Market knowledge

Look at neighborhood data with emphasis on real time sales. Compare current and last year's home values to determine which way the market is moving. Expert help should have this information at their fingertips.

Mandatory inspections

A professional inspection minimizes hidden costs that could cut into any savings realized by purchasing a bargain-priced foreclosure.

Buy at the right time.

Each of three stages in the foreclosure process has its pros and cons. Pick one that's the best fit for your investment strategy.

A little foreclosure background for the uninitiated:

Foreclosures & REOS;

A foreclosure occurs when payments have not been made on a mortgaged property. The lender can legally redeem or take the property away from the owner. In general, lenders will begin the foreclosure process after three months of defaulted payments. Prospective buyers will often try to find foreclosures when purchasing a new property. A home that is foreclosing may be priced way under its marketplace value as the lending institutions are motivated to sell these properties as quickly as possible. In addition, there are those who believe that purchasing a property that is being foreclosed is an excellent investment opportunity. They can resell the property at a later time at a much higher price.

A typical foreclosure goes through three phases. In the pre-foreclosure phase, the lender will initiate a foreclosure due to a default of payments. If the borrower does not (or cannot) pay back what is owed, the property will be sold at a public auction (this auction is phase two). If the property is not sold at auction, the lender gets it back and it becomes a REO (Real Estate Owned). The exception to this process occurs if the loans happen to be insured by a federal agency such as HUD, Fannie Mae, or the Department of Veterans Affairs (VA). In this instance, the agencies will pay the lenders and take over the property, at which point they will prepare to sell it.

REOs are properties that have not been sold at auction and are now in the possession of the lender, who is usually eager to sell them quickly. It helps to follow properties that you are interested in through all the foreclosure phases. Therefore, you will know if it becomes a REO. In addition, many lenders deal directly with realtors so you may want to speak to your local realtor about possible foreclosures.

Please feel free to contact me at (408) 591-7778 if you are interested in receiving a list of foreclosures, would like to view any properties or receive more information on your home or investment search.

All that aside, I'm curious-what are your feelings on taking advantage of these unfortunate situations?
Do you feel buyers were deceived, or that they should have known better?

Almaden Valley; Sought-After Community with Historical Treasures

Mon, 03 Nov 2008 11:23:00 -0800

The largest Whole Foods in the South Bay is expected to open in the first quarter of 2009!

Please contact me for more information on Almaden's award-winning schools and other attractions at (408) 591-7778,

What's in a Deed?

Mon, 03 Nov 2008 11:17:00 -0800

Here is a brief description of several common types of deeds.

What's a trust deed?

A trust deed (also called a deed of trust) isn't like the other types of Deeds; It's a version of a mortgage, commonly used in some states (California, for example). It's not used to transfer property. And if foreclosed on involves a non-judicial foreclosure.

A trust deed transfers title of land to a "trustee," usually a trust or title company, which holds the land as security for a loan. When the loan is paid off, title is transferred to the borrower. The trustee has no powers unless the borrower defaults on the loan; then the trustee can sell the property and pay the lender back from the proceeds, without first going to court. After the property has been sold on the courthouse steps there may be a right of redemption, especially for homeowners.

The Differences between a trust deed and a mortgage

The basic difference between the mortgage as a security instrument and a Deed of Trust is that in a Deed of Trust there are three parties involved, the borrower, the lender, and a trustee, whereas in a mortgage document there are only two parties involved, the borrower and the lender.

In a Deed of Trust, the borrower conveys title to a trustee who will hold title to the property for the benefit of the lender. The title remains in trust until the loan is paid. Often a title company, escrow company or bank, is listed as the trustee on the Deed of Trust. When the loan has been paid, the trustee will issue a release deed or trustee's reconveyance deed. This deed of reconveyance should be recorded at the county recorder's office, to make public notice that the loan has been paid off and that the lender's interest in the property has ended. Occasionally the recording of a reconveyance deed is forgotten. Typically this is discovered when the property is sold.

Another difference between a mortgage and a deed of trust is the manner in which foreclosure proceedings take place. State law will determine the method of foreclosure which must be used. Generally, the rules when using a Deed of Trust allow for a faster foreclosure time than with a judicial foreclosure required with a mortgage. Under a Deed of Trust, when the borrower defaults on the loan, the lender delivers the Deed of Trust to the trustee, who then is instructed to sell the property.

Quit claim deed

The quit claim deed is the least protective deed for the buyer. Basically, it only conveys whatever rights or interests the grantor has in the property. It provides no warranties or covenants to the buyer. If the grantor has good title, the quitclaim deed is as effective as a general warranty deed, but with none of the guarantees. Quitclaim deeds are frequently used to cure defects in the title. Quitclaim deeds are also frequently used to transfer property between family members also

A Trustee's deed

A trustee's deed is a deed to be executed by a person serving as a trustee in their appointed capacity. A trust deed (or deed of trust) is the most commonly used document to secure a loan on real property in the state of California. It differs from a mortgage deed in that there are 3 parties, a trustor (borrower), a beneficiary (lender) and a trustee (holder of the legal title to the property). A mortgage deed has 2 parties, a beneficiary (lender) and the borrower.

The trustee holds the legal title in trust for the beneficiary and has the power to sell the property if the trustor (borrower) does not fulfill the obligations that are required under the deed of trust; i.e. make payments in a timely fashion. The trustee also has the power to reconvey the legal title to the trustor if the beneficiary so requests. This request is made when the promissory note underlying the deed of trust is paid in full.

Cupertino; What's it All About?

Mon, 03 Nov 2008 11:11:00 -0800

My Home Town...
While growing up in Cupertino and playing in the orchards and creeks,
it sometimes seemed as if I were living in a magical place. Now this
fabulous town has become an affluent, sought-after community.
Located an hour south of San Francisco and an hour north of Santa Cruz,
this city now boasts award-winning shools, parks, a golf course, fabulous
restaurants, a library, community center, businesses, a farmer's market,
shops, all with easy access. Being such a popular city has made housing
affordability a little challenging, but surprisingly, affordable homes do exist!

Please contact me at (408) 591-7778, and I'd be more than happy to assist you.

Willow Glen; One of San Jose's Unique Communities

Mon, 03 Nov 2008 11:03:00 -0800

My office is conviently located in Willow Glen on the corner of Meridian Ave. and Hamilton.
Please contact me at (408) 591-7778 for more information or to stop by and say 'hi'.

My office is located in this wonderful town, at the corner of Meridian Ave. and Hamilton Ave.

San Jose Tree Policies?

Mon, 03 Nov 2008 10:57:00 -0800

So not only do homeowners have to pay for damages done by trees the city planted in front of their properties, but now we will have to pay for all maintenance involved with these trees. Trees are great, don't get me wrong, we need them(!), but if we're expected to pay for all costs involved, shouldn't we have some say in the matter? Now that cities are so cash strapped and looking for more and more ways to bring funds in, don't
count on it!

WGDIST? Past Appreciation

Mon, 03 Nov 2008 10:51:00 -0800

I recently attended a seminar in which the speaker talked about a ritual he has with himself and his family.
Every evening they sit around the dinner table and ask each other "What good did you see today?"
I'd like to continue in that vein and call my blog What Good Did I See This Week?Please feel free to add your own posts and spread the word! It's a great way to think about and share the everyday positive events that occur in our lives...

Ok, this is going way back, and so as to not date myself too much, I'll just say it happened over 25 years ago. I ran out of gas in an intersection in Cupertino before work (the first and last time!). and a kind-hearted man offered to help me push my car to the side of the street. Well, guess who left their keys in the car? He was kind enough to run to the nearby school and get a coat hangar (you could do that in those days), and took me to get some gas for the tank. I couldn't thank him enough and tried to get his contact information, but he said 'All I ask is that you do the same for someone else." Way before the payback movie and impactful!

WGDISTW? Or Hospital Angels

Mon, 03 Nov 2008 10:33:00 -0800

Welcome to my Blog: Real Dirt (Real Estate, That Is!)

I recently attended a seminar in which the speaker talked about a ritual he has with himself and his family.
Every evening they sit around the dinner table and ask each other "What good did you see today?"
I'd like to continue in that vein and call my blog What Good Did I See This Week?

Please feel free to add your own posts and spread the word! It's a great way to think about and share the everyday positive events that occur in our lives...(especially now!)

I visited a hospital where the entire staff went way above the call of duty. no stress, lots of smiles, patience and love went into their work. The bad side of this is; why should this be news? Anyway, I sent them all written praises and truly enjoyed and appreciated them.

Downtown San Jose; The Capital of Silicon Valley

Mon, 03 Nov 2008 10:23:00 -0800

Welcome to my Blog: Real Dirt (Real Estate, That Is!)

The San Jose Redevelopment Agency has made significant improvements in making our downtown more vibrant,
exciting and accesible to all. Dining, museums, business, transit, theatre, temperate weather, music, and the best
in night life are only some of what this fabulous city has to offer.

But has enough been done to make the city more affordable to it's lower income residents?

Who's to Blame?

Mon, 03 Nov 2008 10:04:00 -0800

Welcome to my Blog, Real Dirt (Real Estate, That Is!)

Who do you blame for the current situation? Wall Street? Banks? Lenders? Mortgage Advisors? Realtors? Consumers? Did we really think the too good to be true market would continue with no consequences? What did we pay these regulators for anyway? Well this bailout (economic restabilizatin act) is necessary, but why is it that the taxpayer always winds up paying for the sins of the fat cats on Wall Street, and where's their accountability?
Just a few of many questions we all have...

Regulators? When? Where?

Fri, 03 Oct 2008 11:20:00 -0700

Welcome to my Blog: Real Dirt (Real Estate, That Is!)

So who was regulating the regulators?

Some economists are comparing the current real estate cycle to the 1990s but the origin of this cycle is different from that of the last decade. During the 1990s, a higher rate of unemployment and many other economic factors triggered the downturn, contributing to weak sales for a five-year period. The current real estate market is different in that sales declined at a quicker pace during 2006 and 2007, but have shown marked improvement in 2008. In July home sales remained above the 400,000 level for the third consecutive month.
Although home prices in California appear to be high compared with incomes, the current cycle has allowed home prices in California to become realigned with incomes. Affordability increased dramatically in the second quarter of this year, and is currently at 48 percent, meaning that nearly half of the state's households can afford to purchase an entry-level home in California. Some economists predict that the housing market will have several "false starts," meaning that there may be periods when home prices reach a plateau, or may even increase for a brief period, and then decrease again. Although home prices have not yet stabilized, home sales are increasing.& #160; It also is important to note that real estate is cyclical and prices will eventually rebound, correcting the current market.

First a little bit about what's happened since Sunday. Merrill Lynch has merged with Bank of America, and Lehman Brothers has filed for bankruptcy. Both of these are enormous pieces of financial news. Lehman Brothers bankruptcy was the largest in American history, and Merrill Lynch needing to merge to stay alive are both significant happenings. But guess who were two very large offenders of purchasing or originating Sub Prime and Alt-A mortgage loans. You guessed it, Merrill Lynch and Lehman Brothers.
Lehman brothers was famous for the "No Income / No Job / No Assets (NINJA)" financing, and they would go up to 100% financing on that towards the end of their run. Basically you had to pass two tests to get a loan, first you had to have a credit score of over 680, and second you had to pass the "fog the mirror" test. Basically, if you had a credit score and pulse, you got a loan. There were hundreds of mortgage bankers who originated loans on behalf of Lehman Brothers and sold these investments to them after the close. These loans were considered Alt-A loans because you still had generally good credit, but could not qualify for a traditional loan.
Merrill Lynch thought it would be a good idea to buy one of the largest sub prime mortgage originators, First Franklin back in Sept. 2006. Their timing couldn't have been worse! First Franklin was famous for offering 100% financing on interest only 2 year ARMs to borrowers with very low credit scores of 580 or better. When the loans reset the rates would typically move from 6.0% interest only to 11% and be amortized over 28 years principal and interest. Time has taught us that this was a bad idea once the housing boom stopped appreciating over 10% per year. They lost out HUGE with this investment in First Franklin and that's a major reason why they needed to merge with Bank of America to stay afloat.

Currently AIG is suffering and needs to around 70 billion in cash by the end of today to stay afloat. They were also a major investor in Sub Prime loans. The moral of the story, those financial institutions that made bad investments are suffering. The positive lining here is we are not experiencing a collapse of major financial institutions at random. The ones who are failing were major offenders of Sub Prime and Alt-A mortgage loans.

At the regularly scheduled Fed meeting this morning, they decided to hold the short term rates steady. The federal funds rate currently sits at 2.0% where it has been since April of 2008. The market was calling for a Fed rate reduction of 0.25% to 0.50% at today's meeting, but the Fed ignored this call and held strong. I can see the potential borrowers out there now all crying because they wanted the Fed to drop rates. Well, now would be another good time to educate our clients that a Fed rate reduction does not usually translate into lower 30 year fixed mortgage rates. In fact we will typically see higher 30 year fixed rates when the Fed lowers the Federal Funds Rate.

U.S. Dept. of the Treasury Secretary Paulson today announced that Congress and the administration intend to take poorly performing assets, primarily mortgage-backed securities, off the books of financial institutions. These assets have been a prime impediment to the ability of financial institutions to lend money.

The government also prohibited the short sale of nearly 800 financial institutions for 10 days, and may extend this prohibition to 30 days.

The U.S. Dept. of the Treasury also plans to increase the amount of mortgage-backed securities bought from government sponsored enterprises (GSEs) Fannie Mae and Freddie Mac, in an effort to increase the GSEs' role in the housing market.

The Federal Reserve and other major financial institutions worldwide also made hundreds of billions of dollars in loans available to commercial banks in an effort to improve liquidity.

The California Association of Realtors' expectation is that Congress and the administration will work together to craft legislation as early as next week addressing these critical issues. We expect to have a good sense of what the legislation will contain by this weekend, prior to financial markets opening Monday morning.

WGDIST? Duck Walk

Sun, 21 Sep 2008 11:46:00 -0700

I recently attended a seminar in which the speaker talked about a ritual he has with himself and his family.
Every evening they sit around the dinner table and ask each other "What good did you see today?"
I'd like to continue in that vein and call my blog What Good Did I See This Week? Please feel free to add your own posts and spread the word! It's a great way to think about and share the everyday positive events that occur in our lives...

Lines of cars stopping on Camden Avenue in the morning to let a group of ducks

WGDIST? Just a Janitor...

Sun, 31 Aug 2008 11:36:00 -0700

A woman thanking a female janitor for her work at an amusement park. Boy, did that put a smile on her face! She struck up a big conversation with me after that. Pretty much her life story and it was interesting.

Welcome to my Blog: Real Dirt (Real Estate, That Is!)

Tax Bill

Thu, 03 Jul 2008 11:40:00 -0700

Welcome to my blog: Real Dirt: (Real Estate that is!)

Hardly anybody noticed it, but Congress tucked away a valuable bit of holiday cheer for real estate when it passed its final tax bill of the year.

It was the first substantive change in years to the generous capital gains rules governing sales of principal homes.

Most homeowners and real estate professionals can recite these rules in their sleep: Married, joint-filing sellers of houses can exclude up to $500,000 of gain, and single-filing sellers can take up to $250,000 ... provided they've used the property as a principal residence for a cumulative two of the previous five years.

But what happens when a married home owner dies? Does the surviving spouse still qualify for the full $500,000 -- or does she or he only get to exclude $250,000?

The answer from the IRS has been this: you only get the full $500,000 if you sell during the tax year in which you were married and filing a joint return. Otherwise, the tax code sees you as single, and then you're limited to $250,000.

In other words, if your wife or husband died in June of 2007, you can only claim the full $500,000 benefit if you sell before December 31, 2007.

After that, as long as you remain unmarried, you're capped at the $250,000 limit for single taxpayers.

As a practical matter, most surviving spouses inherit their husband's or wife's share of the property at what's known as a "stepped up" tax basis, with no capital gains tax liability at the current market value.

But here's the problem: Some surviving spouses complain that they feel rushed into sales by the current tax rules. This is especially true for people who've lost their loved ones during the final few months of the year.

With everything else going on, they don't want the additional pressure of having to make the decision to sell the family home quickly. They want more time. Fair enough.

Well, now they've got it. Legislation signed into law before the holiday recess gives surviving spouses two full years to qualify for the $500,000 exclusion -- even though technically they're single.

And who says Congress doesn't have a heart?

Since your tax professional may not be familiar with this yet, here's the official citation: The bill is H.R.3648. The capital gains change is in Section 7.

Of course with the admission of the new tax stimulus and economic plans, who knows if this one wil take a hit too! The changes keep coming...

WGDIST? Pulling Together

Fri, 18 Jan 2008 10:53:00 -0800

Everyone pulling together, offering assistance and showing concern during an illness. We're all too busy to do this on a regular basis. Refreshing.