I Love You A Latte II

Last year, I held my inaugural “I Love You A Latte” event at the Capital One Cafe in downtown Walnut Creek. This year, we had a great turnout of about 25 people and collected a ton of donations for the Paradise fire victims (see this Thursday’s blog for more information on the donation and drop-off!).

This event is about community, connecting people, and taking a moment out of our day to interact and meet old and new friends. I am very grateful to everyone who donated items, as I saw firsthand how the Paradise area is anything but paradise these days – the effects of the devastating fire continue to show.

Below are a few pictures of the event along with the Valentine goody bags and giveaway prizes. Thank you to Robert Ring at Cross Country Mortgage for co-sponsoring, and to Fidelity National Title for a few of the prize giveaways, along with my awesome team – Lilly Lares and Denise Flor!

Capital One is a great place to host this event as it has a large space that isn’t very crowded and serves Peet’s Coffee. I really appreciate each and every one of you who came out and for all the donations brought! For those who missed it, I hope to see you at one of my future events.

Event Round-Up: Feb. 16th

Isn’t it great to live in a place that is so packed full of events that you can’t even go to all of them if you wanted to? Sometimes we all stay firmly planted in Walnut Creek instead of exploring what’s outside our doors. Here is a collection of fun, late-winter events to take part in within Walnut Creek city limits, and in a few of our neighboring Bay Area cities!

1. 2019 Bay Area International Children’s Film Festival – Chabot Space &  Science Center (Oakland): Feb. 16-17

Sorry for the late notice on this one, everybody. The Bay Area International Children’s Film Festival is an opportunity to get your kids out for the day, taking classes on movie-making, and watching films made just for them! If you’re a Chabot member, it’s free! More details.

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2. 2019 Lunar New Year Celebration – History Park (San Jose): Feb. 17

You can probably find a lot of different Lunar New Year (Chinese New Year) celebrations happening around the very diverse Bay Area, but this is the one I’m choosing to highlight. It’s free, family-friendly, has a dragon-led parade, and will have arts and crafts available! Happy Year of the Pig! (Did you know the pig represents luck, wealth, and honesty and symbolizes a hard-working, peace-loving, generous person. Other traits include truthful, patient, reliable, trusting, sincere, giving, sociable, and a good sense of humor. If you were born in 1947, 1959, 1971, 1983, 1995, or 2007, you are a Pig zodiac!)

3. Makers Market Craft Fair – Broadway Plaza (Walnut Creek): Feb. 23

Come check out an awesome craft fair right in the heart of downtown Walnut Creek! According to the event website, there will be more than 20 local artists selling jewelry, candles, organic body and home goods, clothes, and more! And, naturally, live music and food vendors will be present!

4. First Caturday – Lake Merritt (Oakland): Mar. 2

I couldn’t help myself on this one! How funny is this? On Sat., Mar. 2, you can bring your cat to Lake Merritt in Oakland and take part in “First Caturday.” It looks like it’s literally just a meet-up for cat lovers to bring their cats out on leashes, like dogs. Better not show up to the lake with a dog that day!

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5. Sunrise Tour of Muir Woods – Muir Woods (Mill Valley): Mar. 3

Okay, there is no bad time to visit Muir Woods. It’s one of the most beautiful semi-hidden gems of the Bay Area. But you can get up early and do a sunrise tour of this breathtaking park for FREE! Reservations are still required, and you might have to pay for parking, but seeing the sun shining through those old redwoods on a brisk morning will be well worth it.

Art Town: Wowhaus

This week, we’re going to The Orchards for our art! Husband and wife team Scott Constable and Ene Osteraas-Constable created three “Story Vanes” for The Orchards in 2016. They really catch the eye, and are interactive!

They used a process known as radial moiré, which means a fixed image appears when you rotate a disk, pierced with slits over a pattern. You can rotate the veins to make the disk move and the pattern change. It’s quite remarkable!

Of the three Vains, there is California Buttercup, Great Horned Owl (this one has a sound element to it!), and Ammonite. This Orchards area is actually a hotbed for unique Walnut Creek art. There will be more to come!

The funniest run you’ll ever hear of!

I get a lot of cool event emails around the Bay Area. It’s how I keep you all up-to-date! But I can’t say I’ve seen one that made me laugh out loud like this: Cupid’s Undie Run in San Francisco!

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via: SF Station

According to the website, the “run” is the largest pantless party and mile-ish run in the nation. It takes place this Saturday, Feb. 9th in San Francisco and raises money (100% of the proceeds) for neurofibromatosis.

If you’re brave enough to take part, go to Pedro’s Cantina on King St. in the city at 12 p.m. this Saturday. Right now, you can go to this website and save 20% on tickets right now by using the promo code “TIMEOUTSF20.”

I have run the Bay to Breakers in normal attire, but I am not sure how I feel about my body to expose it to the public – as you can see by the pictures it is a fairly young crowd that participates and it seems more like a party, but it does sound hilarious and has a great cause attached to it. Not a bad excuse for a few drinks, very little clothing, and a short workout!

Road Trip: Fifty Fifty Brewery in Truckee

As you well know by now, I love to go up to Truckee and Tahoe to ski in the winters. Especially when we have snow like we have this winter! But there are a lot of other places to check out that are off the mountain.

For example, there’s Fifty-Fifty Brewery in Truckee. It’s bound to be packed these days since everyone should be going up to take advantage of all the snow we’ve been getting. I recently was recommended to try it out on a stay at Northstar with my son and a family friend, who are in these photos with me.

My son got an Eclipse which is a whiskey Barrel-Aged Imperial Stout that was over 11% and cost a whopping $22 for a big bottle (he purchased one after the glass I bought), ohhh but it was really smooth and tasty! They also have burgers and other food there, and it’s a really great place to stop on your way home from skiing or to enjoy while staying at Squaw or Northstar.

It has a cozy atmosphere with twinkle lights tucked off the main road in Old Town Truckee at 1197 Brockway Rd. It gives another option for an quick meal and a good beer other than Bar America or some of the more touristy places on the main street of Old Town Truckee! Enjoy!

Congrats on the closing!

I met Lisa and Grant in the middle of November and by the middle of January, we closed on their new home. They lived in Daly City, work in San Francisco and just had a baby and decided it was time to buy a house – the East Bay is more affordable than the city or the Oakland area.

They were initially not in a hurry, but were very active right out of the gate; then I found out that it made sense for them to purchase before Lisa’s maternity leave was over in February, thus a couple of weeks later we were in contract! There was one other offer, we got a Seller Multiple Counter and in the end their offer was accepted.

After all the inspections were completed, they received a credit and a slight price reduction because of a couple of unfinished portions of a recent remodel job. I have to give a big shout-out to Tobi, the Escrow Officer at Fidelity, on this transaction. She went above and beyond to work through a title issue. Overall, the process was smooth, JVM (the lender) was on point, and they got the house before Lisa goes back to work.

They now are in the process of doing some repairs prior to moving in and putting their personal touches on the home. They were so excited! I wish them many wonderful memories and happiness.

Why I only refer clients to lenders I trust!

I won’t be pasting the entirety of Jay Vorhees of JVM Lending’s blog about this here. I’ll just hit the major points. But this is a perfect example of why I only refer clients to lenders I trust. Read on:

Last week, a borrower came to us to discuss her refinancing because she had lost trust with the lender she was working with (America’s largest non-bank lender). She was trying to refinance the house she lived in but it was owned by her Dad and she was not on the title, so a refinancing was impossible.

In any case, she was trying to refinance the house she lived in but it was owned by her Dad and she was not on title.  So a refi was impossible – something the other loan officer failed to comprehend – and it had to be structured as a purchase.

Further complicating things was a “gift of equity” down payment, the need for “cash out” for improvements, and the need to avoid capital gains taxes for the seller – all issues that the other loan officer had zero understanding of.

In any case, one of our Mortgage Analysts quickly figured out how to structure the loan and then re-locked the same borrower with the same lender via our correspondent relationship but at a 1/2 percent lower rate. 

I share this story not to make JVM the hero but to once again warn buyers away from the big call center mortgage companies. The call centers stuff bodies into cubicles to do nothing but sell.

Those “bodies” often do not have the skill to close transactions when there is even a small amount of complexity, and…their rates are way higher to boot.  

That’s Jay’s horror story about call centers. It does a great job of explaining why I prefer to refer specific lenders I know who will always get the job done. It creates a smoother process for everyone that way. Most banks or Quickens of the world don’t fully underwrite upfront; it requires a lot of paperwork initially, but it creates a very smooth process to closing. This way the buyers are aware of any potential issues before you ever write an offer. They also don’t tell you that once you are in contract, you are handed off to loan processor who you have never spoken with and many loan agents are on to the next approval and are no longer in the immediate loop. Communication often falls apart at this point. Your loan officer may be local, but the processor could be in a different state.

I currently have a new home buyer who is shopping three different lenders looking for the best rate. With two of them, I expect possible delays and a questionable overall experience for my buyers. One is fantastic, but a first-time home-buyer doesn’t understand those nuances far outweigh an eighth of a point difference in an interest rate. Hopefully whoever they choose will do right by them and it will be smooth sailing.

I just closed on a house (blog to come on Thursday). When we first met, they were talking to one of the largest non-bank lenders. I recommended they speak to JVM and just compare the experience and decide who they would like to work with. They closed with JVM and when I handed them the keys, they remarked at how smooth the overall process was for them and when compared to their friends who recently purchased and had a loan with one of the big banks, they said their lending experience was horrible.

Did you know you can get raw, affordable dog food delivered to Walnut Creek?

Okay, I have two secrets to tell you. First, this is a repeat of a blog I posted more than three years ago on this very same site. I know, I know, but it’s because I feel like this information needs to be recycled once in a while. A service this great needs to be showed off to my readers new and old!

Secret number two is the service itself! Creston Valley Meats is essentially a traveling butcher in that they come up to NorCal from the SLO area every couple of weeks with a white freezer van full of dog food deliveries, park in the Rudgear Park and Ride, and wait for clients to come to meet them!

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Creston Valley offers raw diet options for dogs and humans (with a specialty in wild game!). They post real-time delivery updates on Twitter, and they’ll call or text you about 30 minutes before arrival. It’s a really smooth, awesome service, and Bodie LOVES his Creston Valley food!

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I joke that it’s my canine drug deal, as they open the back of their van, say your name, and hand you a box in exchange for a check. It must look hilarious from an outsider’s perspective! For Bodie, I get a combo patty of chicken and banana or pork and anchovies. You can also get 20 buffalo bones for $10!

I just mix two patties with Honest Kitchen Base Mix and top it off with yogurt or cottage cheese (whole fat).  Yes, my dog eats better than me.

This last time when I went to pick up the food, I saw some very interesting “art” at Rudgear Park & Ride, some teenagers must have left behind. It’s beautiful, isn’t it? LOL!