HLC Housing e-Agenda is a very useful newsletter from Housing Leadership Council of San Mateo County.
The Housing e-Agenda is the email newsletter from the Housing Leadership Council of San Mateo County (HLC). We send this on an occasional basis as a way to keep members and supporters informed about housing issues. Please add grichane@hlcsmc.org to your spam filter so you continue to receive these updates.

CONTENTS
Housing Leadership Day Wrap up
Upcoming Events
Volunteer

Housing Leadership Day 2007Building Great Communities for the 21st Century

Upcoming EventsVolunteer With HLC
HLC is engaged in an ongoing effort to gather and publish key information about housing-related policies, ordinances, and project sites. With this information, we’ll be able to create a comprehensive picture of how we’re doing on housing in San Mateo County, and find out where we need to improve. This effort is a critical step in resolving our local housing shortage, but we can’t make make it work without volunteer assistance. HLC needs volunteers to help us collect and organize this information, which will be published on our web site, www.hlcsmc.org. If you’d like to help collect information, please contact HLC Program Organizer Greg Richane for more details.

Join HLC and Support Housing at All Affordability LevelsHLC depends on the participation and support of its members to advance our housing agenda. We now have over 100 organizational and 70 individual members. If you’re a member and haven’t already done so, please renew your membership now. If you’re not a member yet, please consider becoming one in 2007. You can also give online through our web site if you’d like to invest in our mission to accelerate production of new homes at all affordability levels to create opportunities and a viable quality of life. Join HLC today!

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Housing Leadership Council of San Mateo County
T: 650-872-4444
F: 650-872-4411
http://www.hlcsmc.org
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Our postal address is
139 Mitchell Ave
Suite 108
South San Francisco, California 94080
United States

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A short sale of real estate happens when the owner of the home or property owes more on the property than what it sells for. This can happen when a home owner chooses to sell when property values have dropped drastically or when an owner has taken out equity loans on top of the mortgage loan and the loans equal more than the value of the home. A short sale can also occur when a homeowner is forced into foreclosure and the bank sells the house for less than the amount still owed. In any case, when all is said and done, the owner comes out owing money instead of earning a profi t after the sale of the property.

The credit implications for a short sale are very different for those voluntarily selling their property and those forced into foreclosure. If the property owner voluntarily selling the property can pay off the amount owed out of pocket by using assets already owned there should be no credit implications. If the property owner needs to take a new loan from a bank in order to make up the difference from the short sale, then the credit implications would be the same as the credit implications of taking out any loan. In fact, sometimes taking out a loan can improve a credit rating. Whether the new loan raises a credit score or lowers a credit score, most likely the new credit score will not be drastically different than the property owner’s credit score before the short sale.

However, if the short sale is due to foreclosure, the property owner’s credit could be negatively and severely affected. Here is why. Say the homeowner owes $100,000 on the foreclosed property, but the lender only gets $70,000 from the sale. The lender can then sue the homeowner for the $30,000 difference. But, the homeowner won’t have the $30,000. If he did, he most likely wouldn’t have gone into foreclosure in the fi rst place. If the lender chooses to sue, and the homeowner cannot pay, a deficiency judgment would appear on the homeowner’s credit report, negatively affecting the homeowner’s credit.

Often, the bank chooses not to sue, but to take the loss as a write-off. In this case, there would be no deficiency judgment on the homeowner’s credit report; however, there is another implication. The $30,000 that the homeowner did not have to pay would be considered by the IRS to be income. The lender will send a 1099 to the homeowner at the end of the year, and the homeowner will be required to pay taxes on that $30,000. Even when the bank chooses not to sue, the foreclosure can end up showing up in credit checks because it is a public record.

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CALENDAR OF EVENTS

Home & Family Disaster Preparedness
November 14, 2007
Where: Gardner Senior Program, 520 W. Virginia St., San Jose
The Office of Emergency Services is offering a FREE two-hour Home and Family Disaster Preparedness class to San Jose senior center participants.
For more information call: 408-277 - 4598 or email sjpprepared@sanjoseca.gov

Golden Guardian 2007
November 14, 2007
Where: San Jose Municipal Stadium, 588 E Alma Ave., San Jose, CA
Event starts at 8:30, and runs through 3:30 pm.
The Volunteer Center of Silicon Valley will simulate an emergency and/or disaster situation at a public venue. No experience is necessary. FREE BBQ lunch. Pre-registration is required.
For more information call: 408-247 - 1126, or visit:
www.vcsv.us

Martial Cottle Master Plan Community Workshop
What: Learn about the County Parks and Recreation Department’s plans for Martial Cottle Park and provide your input on how the park should be designed.
When: Nov. 15 from 6:30 to 8:30 p.m.
Where: Almaden Winery Community Center, 5730 Chambertin Dr., San Jose
More Information: Contack Jane Mark at 355-2237 or jane.mark@prk.sccgov.org.

Transportation 2035: Change in Motion Workshop
What: Join the Metropolitan Transportation Commission for a workshop to develop policies for the Transportation 2035 plan. The commission would like the public’s input on the climate protection, focused growth, expansion, and social justice needs of a future transportation system in the Bay Area.
When: Nov. 15 from 5 to 7 p.m.
Where: Dr. Martin Luther King Jr. Library, Rooms 225/229, 150 E. San Fernando St., San Jose
More Information: To RSVP, e-mail info@mtc.ca.gov or call (510) 817-5757. For more information on the Transportation 2035 plan, visit www.mtc.ca.gov/T2035.

Migration Mysteries
What: Children ages 5 to 10 are invited to join Friends of the Guadalupe River Park & Gardens for an afternoon of discovering the mysteries behind animal migration. Children become the detectives to learn why salmon return to the Guadalupe River every fall and why monarch butterflies spend their winters on the West Coast. Cost is $10 for members and $15 for non-members.
When: Nov. 16 from 3:30 to 5 p.m.
Where: Guadalupe River Park & Gardens Visitor & Education Center, 438 Coleman Ave., San Jose
More Information: To register, e-mail education@grpg.org or call 298-7657.

United Neighborhoods of Santa Clara County 2007 Conference
What: Join representatives of neighborhood groups from all over Santa Clara County for a day of workshops and discussions on topics ranging from land use to emergency preparedness. Cost is $15 per person.
When: Nov. 17 from 8 a.m. to 12:30 p.m.
Where: San Jose City College, 2100 Moorpark Ave., San Jose
More Information: E-mail unsccconf@yahoo.com or call Michael LaRocca at 564-2374.

Domino’s Festival of Giving
November 18, 2007
Where: Eastridge Mall, San Jose - 6pm to 9pm
Eastridge Mall is holding a shopping event called “Domino’s Festival of Giving.” The mall will be open after hours for a private evening of shopping for customers who have purchased a $5 ticket from a participating nonprofit organization or school. This year, the East Side Schools CHI Collaborative has been invited to be a beneficiary of this event. Special features of this shopping event include discounts to over 50 Eastridge retailers, a silent auction to benefit Habitat for Humanity Silicon Valley, door prizes to the first 200 guests, live music, and photos with Santa (to help kick-off the holiday shopping season).
Tickets are $5 for each individual (children up to the age of 5 are free). 

3rd Annual Applied Materials Silicon Valley Turkey Trot, What: Participate in a 5K walk/run or a 10K run to benefit the Second Harvest Food Bank, the Housing Trust of Santa Clara County, and the Children’s Health Initiative. November 22, 2007, check-in begins at 7:30 a.m. Where: Guadalupe River Park, between Autumn Street and Highway 87 in San Jose
When: 9 am Start for the 5K run or walk and 10K run.
5K run or walk, and 10K run,
Benefits the Second Harvest Food Bank, Santa Clara Family Health Foundation, and Housing Trust of Santa Clara County,
Registration through Nov. 19 is $30.
For more registration information please visit: www.svlg.net 

Sunday - December 2, 2007
5:00PM - Annual Carol of Lights Festival in Downtown Campbell
 One of the most popular Campbell traditions is back! Following tradition, the first Sunday of December will bring the Carol of Lights Festival to Downtown Campbell. This year, the event will feature Santa visits, bounce houses, pony rides, a petting zoo, and a snow zone with real snow for kids to play in. It’s a true family event with tons of community spirit not to be missed.The festivities will begin at 5pm, and the traditional parade down East Campbell Avenue will begin at 5:30pm - if you’d like to participate, please meet at Ainsley Park to line up for the procession (Ainsley Park is at East Campbell Avenue next to the railroad tracks). Time: 5:00pm - 8:00pm - Cost: free

Thursday - December 6, 2007 6:00PM - Campbell Community Toy Program Annual Charity Benefit. Don’t miss the Campbell Community Toy Program’s Annual Charity Benefit in Orchard City Hall at the Campbell Community Center! The $15 admission price includes hors d’oeuvres, desserts, prizes, and entertainment. The event will be emceed by Gary Scott Thomas of KRTY and Carl San Miguel, President of the Campbell Chamber of Commerce. Please be sure to bring an unwrapped toy and/or monetary donation for the fund. Gifts will be accepted at the door for all ages of children, infants through teens.Since 1984, the Campbell Community Toy Program has served economically disadvantaged families. The program, with the support of the citizens and businesses of Campbell, brings the joy and spirit of the holidays to low income children in Campbell and to all the children of the Eastfield Ming Quong Foundation.If you can not make it to the event, all Santa Clara County Fire Department stations will be accepting donations of new, unwrapped toys, books, educational, creative, and athletic gifts for kids ages infant through teens. For more information, please contact the Campbell Chamber of Commerce. Campbell Community Cente, Time: 6:00pm - 9:00pm - Cost: $15

Friday evenings & Saturday afternoons, Dec. 7-22: Christmas in Campbell, featuring music and festivities as well as extended shopping hours

Friday evenings, Dec 7-21: Santa will be at the corner of 1st and E. Campbell to visit with children. Local firefighters will bring a reserve fire engine for the kids to enjoy and will be collecting donations for the Toys for Tots Program.

Friday - December 14, 2007  7:00PM - Downtown Campbell Holiday Songfest  In the mood to sing Christmas carols? Gather your friends and family and head over to the 2nd Annual Downtown Campbell Holiday Songfest, where we’ll be singing Christmas carols together as a community! Everyone is welcome to join in, and no preparation is needed.  Dan Naylor, Music Director at Westmont High School, will be leading the singing in front of Trailsloggers Outdoor Discovery Gear. Sheet music will be provided.  This event is sponsored by the Downtown Campbell Business Association. Trailsloggers  220 East Campbell Ave, Campbell, Time: 7:00pm - 9:00pm - Cost: free

Fantasy of Lights
What: Celebrate the season with a visit to the Santa Clara County Parks and Recreation Department’s Ninth Annual Fantasy of Lights, where visitors will be greeted with spectacular light arrangements and animated displays. Cost is $12, but early birds who visit between Nov. 26 and Dec. 13 receive a $10 admission price and a gift bag with valuable coupons.
When: Open from 6 to 10 p.m. from Nov. 23 to Dec. 31.
Where: Vasona Lake County Park, off Blossom Hill Road in Los Gatos
More Information: Visit www.parkhere.org and click on the Fantasy of Lights logo. 

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Popularity: 88% [?]

The very popular Supervisor Ken Yeager has just emailed me his useful District 4 Newsletter that was published on November 13,2007. His newsletter is a great way to find out what is going on in the County of Santa Clara. I highly recommend subscribing to his newsletter.

In this issue there is a message from Supervisor Yeager, Local Leaders and Media Conquer Third Annual Stair Challenge, Public Health Department Offers Ways to Limit Staph Infections, a very useful Calendar of Events and Five tips on preparing for an earthquake.

You can contact John Myers at  john.myers@bos.sccgov.org to subscribe to this useful newsletter. Here is the full information for the Supervisor:

Supervisor Ken Yeager
County Govt. Center, E. Wing
70 W. Hedding St., 10th Floor
San Jose, Calif. 95110
Phone: 408-299-5040
Fax:     408-299-2038
Supervisor.Yeager@bos.sccgov.org
http://www.supervisoryeager.org

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The information being provided is for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Popularity: 93% [?]