On February 9, Attorney General Kamala D. Harris announced thatCaliforniasecured up to $18 billion for its distressed homeowners as part of a $25 billion national multistate settlement with the country’s five largest loan servicers. More than $12 billion will be used to offer short sales or write down loans over the next three years for about 250,000 underwater homeowners inCalifornia, according to the attorney general. Relief will go to areas hardest hit by the foreclosure crisis within the first year of the settlement.

Although the actual settlement has not yet been released, the attorney general has stated that other financial benefits for California include $849 million for refinancing 28,000 borrowers who are underwater but current on their payments; $279 million restitution for 140,000 homeowners who were foreclosed upon between 2008 and 2011; $1.1 billion for unemployed homeowners, transitional assistance, and repairing blight; $3.5 billion to extinguish unpaid loans that remain after foreclosure for 32,000 homeowners; and $430 million to the state attorney general’s office for costs and fees. As part of aCaliforniaguarantee, if the lenders fail to reduce principal balances by a minimum of $12 billion, they will be required to pay fines up to $800 million to the state.

The loans involved in this settlement are those owned or serviced by Bank of America, JPMorgan Chase, Wells Fargo, Citigroup, and Ally Financial Inc. The settlement releases the five named lenders from certain federal and state claims pertaining to robo-signing and other foreclosure misconduct by the lenders. It does not affect any individual’s rights to bring legal action against a lender. It also does not apply to the majority of mortgage loans, which are those owned by Fannie Mae or Freddie Mac.

This mortgage settlement does not change any homeowner’s existing financial relationship with a settling lender. It does not relieve homeowners from any obligation. It does not require a settling lender to stop any foreclosure.

Homeowners seeking relief under the settlement agreement should contact their loan servicer or a HUD-approved housing counselor. More information including detailed FAQs is also available from the California Attorney General’s website, or visit the National Mortgage Settlement website.

Brought to you by the CALIFORNIA ASSOCIATION OF REALTORS®. 

http://money.cnn.com/2011/12/01/real_estate/fannie_mae_foreclosure/index.htm?iid=HP_River

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After a temporary closure, the Hetch Hetchy Road in Yosemite National Park has reopened to the public at 11:00 a.m. today, Friday, December 02, 2011. The Hetch Hetchy Road was temporarily closed on Wednesday, November 30 due to a high wind warning in the Yosemite area.  Several trees fell along the roadway during the event, causing blocked access to the Hetch Hetchy Dam and the Hetch Hetchy area.  Forestry crews were able to access the area this morning and clear the roadway of any remaining debris.

The Tioga Road, previously closed due to the high wind event, remains closed at this time.  The area experienced gusts of wind up to 75 miles per hour, causing dozens of trees to uproot and fall across the roadway. Forestry crews continue to work in the area to remove debris from the road. Work on the roadway and fallen trees will continue throughout the weekend
and an announcement will be made upon the opening of the Tioga Road.

All roads within the Yosemite National Park are subject to temporary closures due to hazardous driving conditions.  For updated 24-hour road and weather conditions for Yosemite National Park, please call 209-372-0200.

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The lake is now at 3347+/- which is as low as PG&E can legally go.  We
plan to keep it at this level as long as we can thru the winter and
early spring.  Weather systems will dictate how well we do.  FYI – we
just extended the Pines boat ramp to allow boat trailers to be able to
launch with the lake at this lowest level.

This current information was provided by

John Magyar
Construction Director
PARSONS

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The Tioga Road (Highway 120 east of the Crane Flat Gas Station) and the Hetch Hetchy Road in Yosemite National Park will be temporarily closing tonight, Wednesday, November 30, 2011 at 8:00 p.m. A high wind warning has been issued for the Yosemite area starting tonight, through Friday morning, December 2, that may impact driving conditions along the roadway. The Tioga Road and the Hetch Hetchy Road will remain closed until further
assessments can be made. An announcement will be made pending additional road closure changes.

Winds are expected to be between 20 and 40 miles per hour, with localized gusts up to 60 miles per hour in Yosemite Valley. Winds at the higher elevations of the park are expected to be between 50 and 60 miles per hour with localized gusts in excess of 75 miles per hour. The strongest winds are expected in the area between 4:00 a.m. and 11:00 a.m. tomorrow,
December 1.

There is the potential for very strong damaging winds with down trees and power lines and potential structure damage throughout the park. Visitors are urged to use caution while in Yosemite National Park during this high wind warning.

All roads within the park are subject to temporary closures due to hazardous driving conditions. Additionally, all roads are subject to potential closure without advanced notice due to safety concerns.

For updated 24-hour road and weather conditions for Yosemite National Park, please call 209-372-0200.

The Pines Village will become Santa’s Village, and everyone is welcome to enjoy caroling, hot chocolate & hot cider, and of course the delightful parade!  Santa will light the 100 foot pine tree, and he will be available for photos with kids of all ages.

Raffle tickets are on sale now until Saturday evening November 26th at 6:30 pm at the Pines Registration desk and The Pines Market.  Bass Lake Water Sports is providing two bicycles to raffle, and Bass Lake Realty has provided two Ipods as raffle prizes.  All proceeds will go to Toys For Tots.

The Pines Resort and Bass Lake Event Center will collect coats and new winter accessories to benefit those who may not be able to afford them.

There may still be time to register your entry into the Parade of Lights by calling Tammie at (559) 692-8865.

Come celebrate the beauty of the holidays this Saturday evening!

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Badger Pass Ski Area, operated by Delaware North Companies Parks & Resorts, offers the Oakhurst shuttle service running between Miller’s Mountain Sports located at 40343 Highway 41 and Badger Pass Ski Area on December 26 – 31, 2011, January 7, 14, 15, 21 and 28, 2012 and February 4, 11, 18, 19 and 25, 2012.

The ski shuttle’s scheduled departure time from Miller’s Mountain Sports is 7 a.m. The shuttle will make a routine pick-up at Tenaya Lodge at Yosemite at 8 a.m. en route to Badger Pass. The Oakhurst shuttle will arrive at Badger Pass Ski Area at approximately 9 a.m. The pick-up time from Badger Pass Ski Area will be at 3:30 p.m. with arrival at Tenaya Lodge at 4:30 p.m. and arrival at Miller’s Mountain Sports at 5:30 p.m. The Oakhurst shuttle service is $10 per person, round trip, which includes park entry through the south gate of Yosemite.

In addition to the Oakhurst shuttle, courtesy shuttle buses from Yosemite Valley to Badger Pass Ski Area are offered daily to make it convenient for guests to relax and enjoy a day of fun in the snow. The Yosemite Valley and Oakhurst shuttle provides skiers with an environmentally-friendly and affordable mode of transportation to Badger Pass Ski Area. Click here for the complete schedule for Badger Pass shuttles.

For the most up-to-date information regarding snow conditions and operations at Badger Pass Ski Area, please call 209-372-8430 or visit www.YosemitePark.com. The Daily Snow Report is available by calling 209-372-1000. For Yosemite National Park road and weather information, call 209-372-0200.

Founded in 1935, Yosemite’s Badger Pass Ski Area enjoys the distinction of being California’s first ski resort. Badger Pass is the gateway to some of the most beautiful vistas in the High Sierra, offering five convenient lifts and spacious groomed runs for downhill skiers and snowboarders, in addition to snowshoeing, snow tubing and cross-country ski trails. The Yosemite Ski School was established in 1928 and has trained generations of first-time skiers, snowboarders and telemarkers. Badger Pass Ski Area is operated by DNC Parks & Resorts at Yosemite (DNC), an affiliate of Delaware North Companies and the authorized National Park Service concessionaire responsible for lodging, dining, guest recreation and transportation in Yosemite. For online lodging reservations and details regarding lift tickets, visit www.YosemitePark.com or call 801-559-4884.

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They sell water tanks, underground cisterns, portable pickup tanks, pumps & pressure systems, as well as other accessories. 

I have not heard of this company, and I have no direct information on how they do business, but it could be worth looking into.  The brochure indicates they’ve been in business since 1975.

WaterTanks.com
1-800-655-9100

Please send me feedback if you decide to contact them!

Check it out Saturday and Sunday from 10am – 5pm in the Oakhurst Community Park!

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Topics Covered:

• What are the 5 components of the FICO Score?

• How much positive credit should a consumer have? How much is too much?

• Learn how to remove bankruptcies completely from the credit profile!

• How do most Consumer Credit Counseling organizations damage credit scores?

• How do inquires really affect the credit score?

• What’s the “truth” about the mortgage inquiry shopping day window for consumers?

• How are Loan Modifications affecting credit scores?

• How are Short Sales & Foreclosures affecting scores?

• How does paying collections hurt credit scores, and why is it a bad idea to pay them?

• Learn how to remove 90% of all collections!

• What are the actual strategies behind successful credit restoration?

• Why is it a bad idea to close old accounts and open up new accounts?

• Why could it be a bad idea to pay off your accounts?

• What’s the truth behind credit card debt?

• What is the best way to start rebuilding credit?

Co-sponsored by Yosemite Brokerage and Continental Credit

ADDITIONAL QUESTIONS?  CALL ONE OF OUR REALTORS AT BASS LAKE REALTY & WE WILL FIND OUT THE ANSWERS FOR YOU:
800-819-2114
559-642-4474

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• kevin@continentalcreditllc com