Well, over the weekend, I got an email from someone who recently relocated to Benicia, who was looking for suggestions on the best fireworks-watching locations in town without hordes of people.

So naturally, that prompted me to take a drive around Benicia yesterday to find some fireworks-watching locations away from the crowds and congestion of First St. and the Marina.

The goal: to find locations with unobstructed views of the skies above fishing pier at the foot of First St., which is the usual fireworks launch site.

Views from Overlook Park, between Seaview Dr. and Olive Branch Ct.

Below is my list of some lesser-known fireworks viewing spots in town. Some have limited or no parking, so you might have to park nearby and walk a little. It’s always a good idea to get there early rather than waiting til close to dusk. If you have a favorite fireworks viewing outpost of your own and are willing to share (I know…some folks are pretty protective of their secret viewing area), please comment at the end of this post.

Here’s a Google map I created that shows the locations.

10 Lesser Known Benicia Fireworks Venues

1. Panorama Drive, between Baker St. and Merlin Ct. If you want to avoid traffic and crowds and watch fireworks from your car, this location, in the heart of Southampton may be The place.

2. Woodgreen Way. Take Chelsea Hills to Ardmore to Woodgreen Way. Woodgreen dead-ends just above Sunset Circle. There isn’t much parking there, but if you’re an early-bird, you’ll have great views.

3. Clearview Circle. The top of Clearview Circle offers great views of the foot of First St. It’s a cul-de-sac and remember that the adjacent townhomes are private property.

4. Overlook Park. Great views from the eucalyptus grove near the bottom of the hillside park. You can access the park either from Seaview Drive or Olive Branch Ct., but it’s a shorter walk from Olive Branch. Bring your lawn chairs!

5. Riverhill Park. Take Riverhill Dr. off East 2nd St. and turn left where Riverhill and Riverview Terrace meet. There’s a small parking area below and a small park at the top of the roadway, just over the fence from the city cemetery.

6. St. Catherine’s Woods Overlook Park. Some of the best views this side of Military are from this small neighborhood park, just above Safeway. Not a huge park, so get there early for the best “seats.”

7. Community Congregational Church Parking Lot. The upper parking lot at the church offers pretty good views. A grove of trees near the bottom of the property obscures some of the views from the lower parking lots. This location is private property, so if you decide to go there, use your own judgment.

8. Shirley Drive. Another great location to watch the fireworks from your car.  The best views are generally above and below Raymond Drive.  If it’s nice weather, maybe even bring some lawn chairs and “set up camp” on a portion of the sidewalk.

9. West 4th St. The upper portion of West 4th dead-ends on a bluff just above Military West. There isn’t much parking here and there’s a guardrail at the end of the street, as there’s a pretty steep drop off just beyond the guardrail. So probably best to stay behind the guardrail…and for safety reasons, not the best location for those with children.

10. Public Walkway Below Mary Farmar Elementary. Just below the ball fields at Mary Farmar Elementary is a public walkway that connects to the pedestrian bridge over Military West. The best views are on the asphalt walkway just below the gate to Mary Farmar School. The walkway appears wide enough to set up some lawn chairs for the fireworks show.

In addition to those 10, there are two other spots I should mention. Neither could be considered “Lesser-Known” locations, but since they’re far enough away from the crowds and congestion of First St., I included them as “Bonus Sites.”

Bonus #1: Ninth Street Park. This park has lots of room to spread out, but in order to see the fireworks, you’ll need to get as close to the water as safely possible. Some folks even bring their lawn chairs and sit right on the pier along the public boat launch. You can can’t get much closer to the waterfront than that! For obvious reasons, only those who are water-savvy and who haven’t been drinking should venture onto the pier.

Bonus #2: Matthew Turner Shipyard Park at the foot of West 12th St. I can’t tell whether the bluff to the south may obscure some of the skies above the foot of First Street, so this is an “unconfirmed” fireworks venue. If you’ve tried watching fireworks from this waterfront park, please comment or email me and I’ll update this post accordingly.

Lastly, a brief disclaimer that I have only observed these sites by driving by and, other that what’s mentioned in this post, I have not verified whether there are parking or accessibility restrictions and/or safety hazards.  Accordingly, use your own judgment and check with any local authorities as you may deem necessary if you plan to watch fireworks from any of these locations.

Hope this post helps those who are looking for a place to watch fireworks this 4th of July. The show usually starts between 9-9:30 pm.

Have a safe and sane 4th!

Gov. Brown Signs New Anti-Deficiency Law

A long-awaited bill preventing lenders from going after borrowers with a second mortgage for the difference after the completion of a short sale was signed into law as an emergency measure by Gov. Brown yesterday, which means that it goes into effect immediately.

That should come as welcome news to short sale sellers in Benicia and Vallejo as well as the rest of California.

In January, a new law went into effect offering protection from a deficiency judgment on a borrower’s first mortgage after a short sale. But until yesterday, that same protection didn’t apply to the lender of a second (or other “junior” mortgage).

The new law (SB 458) prevents lenders from going after the borrower for any repayment once the short sale has been completed, regardless of whether it’s a first, second, third or umpteenth mortgage.

That’s a huge victory for short sale sellers, for while many first mortgage holders often are very cooperative, it’s usually the second lender that becomes a thorn in the seller’s side.

Many second lenders would agree to the short sale, but would also reserve their right to go after the borrower for the remainder after escrow closed. They would use that threat as leverage, forcing sellers to contribute additional funds in order to get an approval letter waiving that right.

But many sellers, especially those who didn’t have that kind of money, simply saw no other choice but to throw in the towel and let the home foreclose.

But now with the new law, lenders who agree to a short sale are barred from going after the borrower for more money after the sale, which hopefully will cause the lenders on a junior lien to negotiate much more responsibly.

The new law specifically states:

“A holder of a note shall not require the trustor, mortgagor, or maker of the note to pay any additional compensation, aside from the proceeds of the sale, in exchange for the written consent to the sale.”

So based on that verbiage, it doesn’t sound like a junior lien holder would have the right to demand a seller contribution as a condition of giving short sale approval.

However, I think a lender could still probably dance around that part of the law by simply saying “we need at least $10,000 or we can’t approve the sale,” which effectively would plant a seed in the sellers mind that they either need to figure out a way to cover the difference or lose the short sale.

So in theory, this is a huge victory.  But whether most second lenders will fall into line or try to skirt the intent of the law by creative negotiating remains to be seen.

The tomato plants have plenty of new growth and are all flowering. Most of the plants are now almost 2 feet tall. And some of the plants have stalks are a good inch in diameter. I haven’t yet found any little baby tomatoes, but I’m hoping they’ll start appearing in a matter of days. I did have two tomato casualties since my previous garden update. My Black Prince and Costoluto Genovese plants started wilting and I had to give them a proper burial (in the green-waste bin). Fortunately, I still had another seedling of each variety, so I replanted them about 3 weeks ago. So far the deceased plants’ siblings seem to be doing well.

My cucumber plants are flowering too, and I’ve seen about a dozen or so tiny cukes.  I make my own homemade dill pickles (NY-style: no vinegar, just a brine with dill and spices), so if all goes well, I’ll be pickling by July.

As for the rest of my garden, my pepper plants are finally starting to take off, thanks to the warmer weather. Same is true with my Japanese eggplant, bunching onions  and my all my herbs.

My Italian parsley, cilantro and basil plants have all gone on a real growth spurt the last 10 days or so. The cilantro is already starting to bolt; I started some slow-bolt variety cilantro seedlings a few weeks ago and hopefully they’ll be ready by the time I need to pull the original plants.

My only conundrum right now is my dill. Three or four years ago, I planted dill in a pot and it grew just fine. The next year, the same result. Then, two years ago, I put in a seedling I bought from the nursery and it was fine for about 3-4 days, then suddenly yellowed and wilted. I replaced it with a new seedling and the same thing happened. Last year, I tried again and the same result.

This year, I decided to grow my dill from seeds, thinking that maybe they were too tender to survive transplanting. Up until about 10 days ago, I had a pot full of beautiful 3-4″ dill ferns, which convinced me that seeding them directly in the planter was the answer.

But then, earlier this week, a lot of the ferns were suddenly yellowing, drooping and dying,  just like the past two years.

I noticed that the soil was fairly wet and I’m thinking that because dill can grow wild and is almost like a weed, perhaps I was over-watering. If that’s the reason, that would explain why I had problems the past two years, because I kept the pot with the dill adjacent to the lawn, so it could get a daily dose over-spray from the lawn sprinklers.

Aside from my dill dilemma, all seems well with my garden. Check back soon for another update!

That’s because loan limits for the two loan programs that cover probably at least 90% of the loans originated in Solano County are set to change come Oct. 1.

And barring Congressional action, the maximum you can borrow under both programs is going to drop substantially, which means that many Benicia, Vallejo and Solano County home buyers could suddenly find themselves needing to come up with tens of thousands more in down payment or accept a costlier “jumbo” loan.

Right now, the maximum you can borrow with an FHA or conventional loan is $557,500. But as it stands right now, after September 30, the conforming loan limit in Solano County will drop to $417,000 and the FHA limit to $400,200, which is certain to impact local borrowers who are planning to finance a home with a loan amount that exceeds the new limits.

In plain English, that means that any borrower in Solano County who is today planning to buy a home for more than $415,000 with an FHA loan or more than $463,000 with a conventional loan could find getting a loan potentially tougher and definitely more expensive if they wait until October.

If you’re not in contract by the end of September and want to use an FHA or conventional loan on a home that exceeds the new loan limits, your only options will be to come up with a large enough down payment to cover the difference or try to qualify for a costlier jumbo loan.

And it’s not just Solano County that’s affected. Unless Congress steps in and extends the current loan limits, which have been in effect since 2008, FHA and conventional loan limits will drop in every Bay Area county in October.

The biggest decline for FHA loans in the Bay Area will be right here in Solano County, where the FHA limit will drop by $157,300 (the conventional loan limit in Solano will fall by $140,500). With the exception of Napa and Sonoma Counties, most other Bay Area counties will see their loan limits fall about $100,000.

And Solano will be the only Bay Area county where FHA and conventional loans will have different loan limits.

Here are the new scheduled loan limits for the rest of the Bay Area:

• Napa County – from $729,750 to $592,250.
• Sonoma County — from $662,500 to $520,950.
• Alameda, Contra Costa, Marin, San Francisco, San Mateo & Santa Clara Counties  — from $729,750 to $625,500.

Now, it’s only June, so a lot can happen between now and the end of September. It’s possible that lobbyists will succeed in getting Congress to extend the current loan limits or at least come up with an amount somewhere between today’s limits and the scheduled Oct. 1 figures.

I’ll be keeping an eye on this and will post updates if anything changes.

If you read the earlier posts about my garden, you know that between myself, Richard Bortolazzo and a few other friends in Benicia, we nurtured and gave away over 400 tomato, pepper and cucumber plants, all of which we started from seeds earlier this spring.

We put our seeds in the starter kits on President’s Day back in February, transplanted them into individual peat pots in mid-March and started distributing them to friends and co-workers in late April.

I planted mine in Earthboxes on April 28 — 10 different varieties of tomatoes, five varieties of peppers, and a few straggly cucumber plants.  I also planted some nursery-bought seedlngs: Japanese eggplant, bunching onions, a tomatilla plant and a backup 6-pack of pickling cukes. Plus I refreshed my herb garden with new basil, cilantro, Italian parsley, sage, fennel epazote, and dill.

So it’s now 18 days since I planted and most everything is going well.  Nine of my 10 tomato plants are very robust and pushing skyward. The 10th one — a Costoluto Genovese — was one of the strongest looking plants when I transplanted it, but it’s turned into a real weakling.

One of my tomato plants — a Sungold (cherry tomato) already has its first flowers. Most of my tomato plants are now over a foot tall. My pepper plants, which were about 3″ tall when I planted them have about doubled in size. But I think they’re waiting for warmer weather before they really take off.

My straggly little Pineapple tomato, meanwhile, which looked like it was on life-support when I planted it and seemed destined to shrivel up and die within a few days, has taken off and is now stronger and larger than my Costoluto. I’m going to give my once-strong/now-feeble Costoluto a few more days and if it doesn’t perk up, I’ll yank it and replace it with a stronger plant.

So far, my lone casualty is my tomatilla plant. It was strong and healthy-looking when I planted it, but within 4-5 days, it just shriveled up. Not sure what went wrong with it, as it wa’s in the same Earthbox with a variety of herbs that are all doing well.

About 4-5 days ago, I gave the tomatilla its last rites and replaced it with my last remaining Costoluto Genovese, as a backup, just in case I have to play taps for the aforementioned feeble Costoluto in the other EarthBox.

All told, I think we probably supplied 3o or more Benicia households with tomato plants. Some even made their way to other parts of Northern California. So if you live in Benicia or know someone who does, don’t be surprised if one of us comes calling with free tomatoes in another month or so.

Keep checking back…and watch my Benicia garden grow!

More importantly, they’ve seen just about all nature can throw at them — a few blistering hot days last week followed by a little rain and cold, gusty winds.

So if they made it through those back-to-back-to-back climate changes, they should be able to withstand just about anything mother nature might have in store for them.

Along with my tomatoes, the rest of the crop seems to be doing fine, too. All five varieties of home-grown heirloom bell peppers are alive and well. They haven’t grown as fast as the tomatoes, but I think tomatoes are pretty much the thoroughbreds of the veggie world.

In addition to my tomatoes and peppers, I also purchased some pickling cucumber seedlings at the nursery. My own pickling cuke seedlings didn’t fare too well once I took them outdoors, so I bought some nursery-grown seedlings just in case mine didn’t survive the transplant. So far, my weak little pickling cukes are hanging in there, but they’re not nearly as robust as the ones I got at the nursery. I’ll give them a few more weeks and see if they take off. If not, I’ll replace them with something else — maybe green beans.

Rounding out my veggie garden, I also picked up some Japanese eggplant seedlings, a tomatilla plant, and refreshed some of my herb garden with new Italian parsley, basil, sage, fennel, cilantro and chive seedlings. I also started some dill directly from seed and those just sprouted in the last few days.

And today was opening day for the 2011 market, which means that at long last, Spring is finally here. At least that’s the way I see it.

There’s something extra special about Opening Day — whether it’s a sporting event, a theatrical production or the Farmer’s Market. Everyone has a little extra bounce in their step and a little broader smile on their face. And that’s how it was today as farmers, merchants and shoppers all welcomed each other to the 2011 market season.

It’s still early in the growing season, so most of the produce still consisted of root and leafy vegetables — greens, carrots, beets, turnips, Brussels sprouts, and onions. On the fruit side, apples, oranges and strawberries were the order of the day.

I came home with onions, radishes, two bunches of cilantro, a 3-pack of strawberries and a huge bag of oranges.

The Benicia Farmer’s Market runs every Thursday from 4-8 pm at the foot of First St. and is sponsored by Benicia’s energetic Main Street Program.

If you haven’t been down there in recent years, it’s now much more than just a place to buy fruit and veggies. With prepared foods, entertainment and other specialty booths, it’s become a real gathering place for the people of Benicia.

]]> http://homesection.com/2011/04/28/its-official-now-spring-has-arrived/feed/ 0 http://homesection.com/2011/04/28/its-official-now-spring-has-arrived/ http://feedproxy.google.com/~r/Homesectioncom/~3/QIVIrcp7SAo/ http://homesection.com/2011/04/28/my-benicia-vegetable-garden-season-ii/#comments Fri, 29 Apr 2011 03:34:14 +0000 Rod Herman http://homesection.com/?p=7264 Want A Few Free Tomato Seedlings? Read On…

About a year ago, I posted pictures of my just-planted tomato garden and had every intention of posting periodic photos so you could watch my Benicia vegetable garden grow.

Well, the garden grew and grew and grew and we enjoyed tomatoes and peppers well into October.

But despite those “best laid plans,” aside from a few early-season posts, my garden’s progress never made it all the way to blog.

Well this year, I’m making the same pledge, only this time, I plan to post my garden photo updates with a lot more regularity.

This year’s garden just got off the “ground” today. Well I use “today” loosely.

If you really want to know the truth, it really got off the ground about 10 weeks ago, when I purchased about a dozen and half heirloom seed packets from a place called the Seed Bank in Petaluma.

A week later, on President’s Day, Richard Bortolazzo (who owns our Coldwell Banker franchise) & I spent the morning filling up three 72-cell seedling trays. We put 2-3 seeds in each cell, as the directions said, figuring that only a small portion of the seeds would “take.”

Well, boy were we wrong!

Just about every cell in each tray ended up with a seedling. And most of the cells ended up with 2-3 seedlings. Do the math…72 cells x 3 seeds/cell x 3 trays = a LOT of seedlings.

Feb. 27, 2011 - seedlings have sprouted

Within a few weeks, we had over 400 little seedlings – 300+ tomatoes (10 varieties) and almost 100 bell peppers (5 varieties).

In mid-March we transplanted them into 4″ peat pots. But since the tender little seedlings weren’t yet ready for the harsh outdoors, most of them took up residence in my living room and dining room.

Everyday, I checked to see if they needed a little more water and rotated them, since they like to bend towards the window.

Mar. 29, 2011 -- seedlings hanging out in the dining room

By mid-April, some of the plants were 8″-12″ tall and definitely ready for planting. But along my seedling journey I discovered that you can’t just take them from indoors to the garden. You first must “harden” them, which I discovered is the official gardener’s term for acclimating the seedlings to the outdoors.

So the first day, they got a few hours outside and then it was back inside to the comfy 70-degree living room. The next day, they got a few more hours and so on.

Today, I planted the tomatoes in my yard (not directly in the ground, but rather in EarthBoxes, which I have in my side yard). The red covers on them which you can see in the photo are supposed to increase the tomato yield by about 20%, according to some university study).

April 28, 2011 -- Planted 10 tomato plants today

My peppers aren’t quite ready to plant just yet. They’re still in the midst of that “hardening” process right now and I hope to get them in my EarthBoxes either this weekend or early next week.

When I started this seedling project, I only wanted to end up with 10 tomato plants and 10 pepper plants. I knew I’d end up with some extras, but I sure wasn’t expecting to end up with 400 little seedlings.

April 28, 2011 -- Over 125 tomato seedlings looking for a good home

After Richard & I selected our “picks of the litter” and discarded about 30-40 weaklings, we still had well over 250 plants that were looking for a good home. So over the past 4-5 days, I’ve been in serious giveaway mode, doling out tomato plants to just about everyone I know.

But even after giving out seedlings to family, friends and neighbors, we still have around 125 tomato seedlings that are looking for a good home. If you’d like a few, let me know and unless there’s a sudden seedling stampede, I’m sure I can accommodate you.

All the seedlings I planted are heirloom varieties:  San Marzano, Green Doctors (cherry),  Riesentraube (grape),  Black Prince, Costoluto Genovese,  Pink Brandywine, Mortgage Lifter,  Paul Robeson, Sungold (cherry) and Pineapple. I’m  about out of the last three, but have around 15-20 of all the others right now.

If you don’t want to grow your own, keep checking beck and watch my garden grow.  Or, better yet, subscribe to my blog and receive email updates whenever there’s a new post. For, come summer, I’ll probably be looking to give away plenty of tomatoes.

Gazpacho soup anyone?

In other words, 7 out of every 10 U.S. homes that the banks already own haven’t even hit the market yet.  That’s the “shadow inventory” that you may have heard people talk about.

It prompted me to look at our local market a little closer and see how big our own shadow inventory is right now. The numbers were pretty startling. Not quite as large as the nationwide figures that Mr. Sharga talked about, but still pretty shocking nonetheless.

I looked at all five cities in our primary market area (Benicia, Vallejo, Fairfield, Suisun City & Vacaville) and found that about 3 of every 5 foreclosed homes have not yet come on the market.

Overall, 1,830 homes show up as bank-owned (REOs)  in my foreclosure database right now, yet the banks have kept 59% of them (1,079) off the market.

Individually, here’s how the cities shape up:

• Vallejo has 804 REOs, but 64% (515) haven’t come on the market.
  

• Fairfield has 449 REOs, with 59% (263) yet to hit the market.

• Vacaville has 332 REOs and 173 (52%) haven’t come on the market.

• Benicia has the fewest REOs (83), yet 45 of them (54%) haven’t come on the market.

• Suisun has 162 REOs, with a shadow inventory of 83 (51%).

But that’s only half the story.

In addition to those 1,800+ REOs, twice that number of homes are currently in the midst of the foreclosure process in those same five cities. And out of 3,500+ such homeowners, less than 1,400 have put their homes on the market.

In other words, another 2,100 homes are headed directly to foreclosure right now.

And to take it one step further, that doesn’t include those who’ve stopped paying their mortgage (or are about to do so), but who haven’t yet received an official Notice of Default, which formally starts the foreclosure clock.

So if you add it all up, right now more than 5,300 homes in Benicia, Vallejo, Fairfield, Suisun and Vacaville have either already been foreclosed upon or are heading that way. And only about 2,100 of those — or 40% — have come onto the housing market so far.

All of which means that we still have a ways to go before the local housing market turns itself around.

Recent Real Estate Posts

• Why Local Short Sale Buyers ‘May’ Be Surprised
  
• California Short Sale Success Rate Seems Too Low
• 10 Key Short Sale Elements You Can’t Overlook
• Chase Offering $20,000 To Solano Short Sellers?
• Has Bank of America Turned The Short Sale Corner?
• Loan Mods Soon A Thing Of The Past?
• Obama’s Mortgage Plan: A Bitter Pill
  
• What Obama’s Plan Means To Solano Buyers & Sellers

That’s because in another month or so, we’ll be at the end of the rainy season, which means that the yards of many of those short sale listings will go from lush and green to dry and brown — and often within a matter of days.

Green Today, Brown Tomorrow

While the hills are still green and the ground is still moist from last week’s downpours, the warm, sunny weather of the last few days reminds us that we’re nearing the end of the rainy season.

In another month or so, it will be time to start watering, mowing and pruning on a regular basis, which often doesn’t happen when the responsibility falls on the shoulders of a short sale homeowner who’s already moved out.

If you buy and close escrow on a short sale between October and April, you usually get a free pass, since mother nature keeps things moist. But when the warmer weather arrives, unless someone’s there to water, fertilize, trim, mow, edge and pull the weeds, that lush green lawn you saw in March can quickly turn to a dry brown carpet by early May.

And if you’re buying a short sale, where you might be waiting two, three, four months or more for the seller’s lender to approve the sale, you could end up in a situation where a big chunk of the money you had allocated for carpet, paint, cabinets or appliances might end up going to unexpected landscaping instead.

It’s In The Contract, However…

On page 4 of the standard California purchase contract, it says that the seller shall maintain the property “in substantially the same condition as on the date of Acceptance.” But I can tell you from experience that many sellers lose interest in maintaining the property the moment they stop making their payments.

And while a buyer may have contractual recourse against a seller who lets the lawns die and the weeds grow three feet tall, most buyers realize that the odds of getting any money from of a judgement against a seller who can’t even make their mortgage payments are pretty slim.

Some buyers, therefore, ask the seller for permission to take care of the yards until escrow closes. But others are reluctant to spend time and money on yard care without any certainty that the seller’s lender is even going to approve the sale.

As the rainy season draws to a close, buyers who are nearing the close of escrow on a vacant short sale find themselves in a race against the clock — hoping that escrow closes before the yards die off completely.  And those who are just starting out either have to resign themselves to possibly maintaining the yard themselves or realize that the nicely landscaped yard they see today may not be what it’s going to look like a few months from now.

Lawns & Trees Instead Of Granite & Windows

Last year, a client of ours purchased a home from a short sale seller which took over a year from the time the offer was accepted until it closed. In the spring of 2009, when he wrote his offer, the house was occupied and the lawns were lush and green. By the time he closed, the house had long been vacant and weeds were the only thing growing in the front and back yards.

To make matters worse, when we did the final walk-thru, we found a weed abatement citation stapled to the house. The seller willingly paid for the citation, but the buyer was still faced with an arduous landscaping job. He definitely wasn’t planning to landscape when he wrote his offer a year earlier, but it became an unfortunate necessity along the way, thanks to the seller’s lack of maintenance.

I wish I could say that this was the exception, but unfortunately, with vacant (and even some owner-occupied) short sale properties, yard maintenance is often not on the seller’s to-do list.

Don’t Let Today’s Green Hills Fool You

Right now, there are 56 vacant singly family home short sale listings on the market in Vallejo and Benicia. Plus another 75 such short sales are presently in escrow.

Today, thanks to the recent rainfall, there’s enough moisture in the ground to keep these yards green. But if you’re planning to buy a short sale and either aren’t yet in contract or don’t expect to close before mid-May, don’t fall in love with the landscaping unless you’re sure the seller is going to maintain or you’re planning to do that work yourself.

Otherwise, there’s a good chance that you’ll be in for a big and potentially costly surprise by Memorial Day.

Recent Real Estate Posts

• California Short Sale Success Rate Seems Too Low
• 10 Key Short Sale Elements You Can’t Overlook
• Chase Offering $20,000 To Solano Short Sellers?
• Has Bank of America Turned The Short Sale Corner?
• Loan Mods Soon A Thing Of The Past?
• Obama’s Mortgage Plan: A Bitter Pill
  
• What Obama’s Plan Means To Solano Buyers & Sellers