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  • Timo's Properties
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  • Newsletters 2020 Archive
  • Newsletters 2019 Archive

November Newsletter 2020

PETALUMA’S POST-ELECTION HOUSING MARKET CONTINUES TO HOLD STRONG

Demand for homes in the Petaluma area has been extraordinarily robust in the months leading up to the election. So how is the local housing market looking now that we have a new incoming  president for 2021?


As reported by Reuters and other major news outlets, the housing market has been one of the few bright spots since the coronavirus pandemic slammed the U.S. economy, one boom that appears to have been beneficial to the financial

wellbeing of local and American homeowners.


But as with so much uncertainty surrounding the pandemic and the country’s recovery, Petaluma real estate clients want to know whether buying and selling homes will remain as fast paced throughout the winter.


The National Association of Realtors reported U.S. existing home sales surged in September to levels not seen in more than 14 years. With such a degree of the average homeowning Americans’ wealth tied up in the home they live in, maintaining home values provides a reassuring financial buffer in a decidedly uncertain economic moment and we’re not seeing any signs of an about-turn in the market locally at this time.


“There continues to be a rush to meet the demands of a severely undersupplied housing market here in Petaluma,” says Timo. “The one thing I feel sure of in this highly desirable area that we live in is a continuing demand for

single family units from starter homes, to ranchers and all the way up to the luxury private estate.”


My big concern is that first-time buyers or those looking for affordable homes are being priced out of the local market,” says Timo. “Our city’s new council leadership will have to be laser-focused on working toward increasing housing units at all levels according to general plan guidelines and within the city boundaries.”


It is too early to predict if homeowners currently in forbearance will be able to resume mortgage payments or if foreclosure moratoriums will be extended.


Historically, presidential elections have tended to slow down home sales while buyers and sellers process the onset of a new government. According to Forbes, housing consultancy firm Meyers Research conducted a study of

13 presidential elections, finding that median new home sale activity declined 15% from October to November in election years.


“The effect of an election is typically temporary, sparking a rebound as fast as December and January as pent-up demand hits the market again,” says Timo. “With property prices spiking a high this summer in the Petaluma

area, I don’t think we will see one at all given the demand in our region.”


While the late spring and summer months saw a surge in home sales, many

analysts have predicted that activity may cool off slightly this fall.


“It will be interesting to monitor,” says Timo. “It remains a seller’s market here in Petaluma, so the key is to price right from the start. That’s where experienced agents come in. It’s key in timing to listen to your agent’s advice.”


Several key issues in the 2020 election result may have a significant impact in the longer-term outlook. President Elect Joe Biden has indicated he will look to bring back AFFH (Affirmatively Furthering Fair Housing) under his administration. His $640 billion housing plan also includes a proposal to offer a down payment tax credit of up to $15,000 for first-time buyers. Additional down payment

support will go to certain members of the workforce, such as teachers and first responders.


“I’d love to help more first-time-buyers get into the local market in 2021,” says Timo. “Don’t hesitate to refer me to friends and family whose dream it is to buy locally.”


Home ownership continues to go up, in large part because interest rates have fallen to levels that have fueled demand for first-time homebuyers.


Thinking of buying or selling at some stage in the Sonoma County area? Call Timo today at 707. 477. 8396

ELECTION RESULTS ON SONOMA COUNTY PROPS 19 & 21

Voters in Sonoma County passed Prop 19 this November, in which homeowners aged over 55 are allowed to sell a home and buy another in the same county without getting hit with a larger property tax bill as long as the new home is less

expensive than the old one. This concept frees up larger homes without penalizing people who are downsizing. A handful of counties have reciprocal agreements, enabling people to move to other areas without a penalty.


Basically, Proposition 19 allows homeowners to buy more expensive homes anywhere in the state, while capping their property taxes. And this maneuver may be repeated three times.


To offset some of the lost revenue, Proposition 19 places a new tax on those who inherit a home or small business from their parents or grandparents.


Previously, property may be transferred between generations without reassessment. Proposition 19 allows such transfers only for residences and only if the recipient moves into the home. Anyone else will get a tax bill, which means that many may have to sell a family home.


The Santa Rosa Press Democrat called for a No on Prop 21 which the majority of Sonoma County voters subsequently agreed with, citing: “Rent control can be a good deal for tenants who stay put for a long time. But there’s no assurance that the benefits accrue to people with the greatest need for low-cost housing. For property owners, rent control creates an incentive to sell their units.”


If these new laws effect you or your friends and family members and you have questions with regards to property sale or rental market strategy, call

Timo today on 707- 477-8396.

Happy Thanksgiving To All ... Dinners To Go

Della Fattoria is offering take-home

turkey dinners for the first time ever!

Savor the Weber Family’s own legendary

menu at $60 a head. Delicious desserts

and breads available separately. Go To:

https://shop.dellafattoria.com/


Alternatively, you can’t go wrong with

Preferred Sonoma Caterers offering of a

Classic Thanksgiving Menu to go, with a

full order (feeds 8 to 10) at $220 and a half

order for four people at $154. Go To:

http://www.sonomacaterers.com/2020Th

anksgiving.pdf


Petaluma Market’s Holiday Dinner menu

choices include a Classic Turkey (6-8) at

$129.99 or Prime Rib Dinner (6) at $199.

99 or a Salmon en Croute (6) at $119.99

Go To: http://www.petalumamarket.com/


Whole Foods Holiday Meal option is

always a good quality, no-fuss deal. Vegan

meal options too. Go To:

https://www.wholefoodsmarket.com/depa

rtments/catering/holiday-catering


In Cotati? Oliver’s Market Holiday Dinners

are delicious and competitively priced

from $129. Go To:

https://www.oliversmarket.com/product/

holiday-dinner-stony-point/


More options on Frances Rivetti's Blog

www.southernsonomacountrylife.com

Warm Artichoke Spinach Dip Paired With McEvoy Ranch Pinot

  • 6 oz cream cheese
  • 1 cup frozen chopped spinach,
  • thawed and squeezed dry
  • 1 - 10.5 oz jar McEvoy Ranch
  • Artichoke Lemon Bruschetta
  • 1/4 cup mayonnaise
  • 1/3 cup parmesan, shredded
  • 1/4 cup fresh mozzarella, shredded


Preheat oven to 350°F.

Combine all ingredients gently in a

bowl. Pour into a baking dish and

bake for 25 minutes or until brown

and bubbly.

Serve with crostini, chips or

crudités. Pairs to perfection with a

McEvoy 2014 Azaya Ranch Pinot Noir

Local Artist Roberta Ahrens

Timo's office is showcasing esteemed Sonoma County artist Roberta Ahrens' stunning pieces. 


 Check out Roberta's website for more of her unique and beautiful gallery work.

Roberta Ahrens Website

October 2020 Newsletter

STAY-AT-HOME WORKERS, SENIORS AND WINE COUNTRY NEIGHBORS EYE PETALUMA PROPERTIES THIS FALL

The stress of not having to endure a pre-COVID-19 pandemic commute has significantly lowered the pressure on those who have been used to enduring round-trip commutes of three hours or more — about the time it takes for a Petaluma resident commuting into San Francisco and back. 


Because stay-at-home orders spurred by the pandemic have kept many of these hard-working folk away from their company desks, many if not most lengthy commutes have largely subsided. “The real estate market here in Petaluma is seeing more homeowners from within the community as well as newcomers reevaluating their priorities for the right home since their proximity to the office matters a lot less right now,” says Timo.


“Now, many of my clients are asking if there is enough room for a permanent home office in their current homes? Do all their family members have enough space for work/study and relaxation? Is there a different location to move to where everyone could be happier or where it’s more affordable to buy extra room?” Several clients are deciding or have taken the plunge to pack up camp and move out of the area or out of state entirely. “It’s across the gamut,” says Timo.


Most working clients say they are hoping for flexible work options to stick around after the pandemic as well. “As more companies continue to extend remote work opportunities in the coming months and as more folk figure out that they’re not tied down to their locale for their jobs, the residential real estate market in Petaluma continues with fast-paced turnaround and high demand,” says Timo. And it’s not just working professionals looking for ideal

work-from-home properties. While first-time and move-up buyers are getting on board and acting fast in a buoyant housing market, I’m seeing a lot of active adult buyers from inside and outside of the area with their eyes on West Petaluma in particular,” says Timo. Indeed, according to Realtor Magazine, older Americans are a key component of housing the demand, nationwide. The 65-and-older population is predicted to increase by 17 million over the next decade, according to industry observers. “Seniors tend

to have larger homes they can sell in order to downsize,” Timo says. But, according to Realtor Magazine, as with all buyer populations, an ongoing lack of housing inventory may continue to pose the biggest issue. That’s why it is vital to work with an experienced agent with stellar negotiation skills. “Desirable properties are snapped up so fast in this market, it’s important to have all your ducks in a row if you are purchasing — loan preapproval and non-contingent status is best,” says Timo. “But if you have to sell in order to

buy, I am happy to strategize to realize the home that works for you, now.”


Properties that feature work-from-home spaces are equally important to the older population. More than 70% of new-home shoppers between the ages of 55 and 69 say they have a household member who works at home at least part-time, recent real estate studies show. “Also, blended indoor and outdoor spaces, porches, covered patios and outdoor living rooms, are premium priorities to those looking for homes in the Petaluma area,” says Timo


“The Petaluma area continues to showcase itself as a welcoming community to neighbors who have experienced repeated evacuations,” says Timo. “It’s no surprise that  more and more people are coming to town with an interest in moving here.” “For every local homeowner who decides to

pack up and sell, there are multiple buyers waiting in the wings to move in,” says Timo. “And it’s encouraging to see properties being carefully and considerately utilized for increased levels of multi-generational living and innovative use of space.” Where once it was the large, sprawling homes that were most coveted, today’s buyers have a whole new set of priorities, including an awareness of the environmental impact of green belt encroachment and living in a smaller footprint. Secondary units offer rental

income for much-needed housing and/or extended family-living options and boost a property’s selling potential exponentially. Low inventory and high demand continue to push prices up this fall as we head into winter making it

a good time for sellers. 


Thinking of buying or selling at some stage in the Petaluma area? Call Timo today at 707. 477. 8396




SUPPORT THE PETALUMA RIVER PARK NON-PROFIT IN ITS COMMUNITY FUNDRAISING EFFORTS TO REACH PURCHASE GOAL

If you haven’t already jumped on board with Petaluma River Park's goal to create an inclusive and vibrant outdoor place that enriches the lives of everyone in our community and revitalizes our river habitat, now’s the time. The group is in the process of purchasing 20 acres of wild waterfront property on the McNear Peninsula, surrounded by the Petaluma River. This is an extremely rare piece of open land in downtown Petaluma that a large group of dynamic community members believe should be preserved and enjoyed by the public as a park. The park site inhabits the bulk of the McNear Peninsula along the Petaluma River, just off D Street through Haystack Landing. The acreage is adjacent to the land where the Friends of the Petaluma River has its headquarters. “Petaluma River Park is close by the SMART train station and bus stops and is within easy walking/cycling distance of downtown,” says Timo, who is

brokering the land sale and would like nothing more than to see this dream become a reality for the entire community. “It’s a brilliant use of historic land,” he adds. “I think we all agree that we need more park space in Petaluma and this is a natural. It’s a once-in-a-lifetime central city game changer for our community.” After the sale goes through and infrastructure is in place, here are the ideas for the property:


North West Site - Most people will enter/exit the park from the west side with informational kiosks and way-finding signage to greet visitors. Oak, Willow and Bay trees will provide shade with area for sculpture and picnics.


North East Site - An outdoor amphitheater and sculpture site make use of the rise in the landscape. Native Oak, Willow, and Bay trees will provide shade and habitat. The ridge trail in the background gently elevates the visitor to the highest part of the property for full views of the river and park. This will be a good spot for a small craft dock to be built during the restoration phase.


South East Site - The tip of the park will include Huru, a sculpture by Mark di Suvero on long term loan from a local family. This area is significantly eroded and needs restoration most urgently. Long views are preserved here and much of the field will remain unobstructed to allow

for picnics and informal field games. This area would be the perfect spot for a small fishing dock.


Petaluma River Park Foundation’s first and most urgent goal is to buy this land and ensure that it remains a publicly-accessible open space. A generous and forward-thinking (anonymous) donor has provided the funds necessary to make a down payment and launch the park initiative, but more funds are needed to complete the deal. In 2019, the foundation entered escrow to purchase the property. Two-thirds of the immediate goal of $1.08 Million needed to conclude the purchase and all entitlement work has already been raised. Now, the remainder of a $5 million-dollar budget must be secured for restoration and building to begin. Park advocates, Ginnie & Peter Haas have bolstered efforts by presenting a challenge grant of $175,000 to help

the group meet its first goal of buying the land. Please join our community in helping this extraordinary vision to become a reality.


Learn more about how you can help or contribute by clicking below. 

www.petalumariverpark.org/landing

The 30-year fixed-rate mortgage neared its all-time low averaging 2.88%.

Low fixed mortgage rates are booming in the housing market. The National Association of REALTORS® reported that housing contract signings in August jumped 24% from a year ago.


Pending home sales are exceeding pre-pandemic levels, with all four major regions of the U.S. posting higher sales

activity. “As a result of low mortgage rates that have stayed under 3% since July, the housing market has seen a strong, upward trajectory during a very uncertain time,” says Sam Khater, Freddie Mac’s chief economist, according to

Realtor.com. “We’re seeing potential home buyers who now have more purchasing power and many current home owners who have the option to refinance their loan for a better rate. However, several factors could disrupt this activity including high home prices, low inventory, and lender capacity.” 


Home prices have climbed as housing inventory remains low in Sonoma County. Whereas NAR recently reported that the national median home sales price was $310,600 in August, up 11.4% compared to a year ago ($278,800). Locally the county-wide August Median home price was recorded at $660,000 for a 3 bed/2 bath and $740,000 for a 4 bed 2/bath home. The West Petaluma median home

price for August is considerably higher than the county average at $888,000 with East Petaluma around $715,000.

Braised Chicken Thighs With Squash and Mustard Greens (by Bon Appetit)

  • 4 pounds skin-on, bone-in chicken thighs (about 12), patted dry
  • Kosher salt, freshly ground pepper
  • 2 tablespoons vegetable oil
  • 8 scallions, white and pale green parts sliced into 1-inch pieces, dark green parts sliced thin
  • 4 dried chiles de árbol
  • 2-inch piece ginger-peeled, thinly sliced
  • 1 cup dry white wine
  • ½ cup low-sodium soy sauce
  • 3 tablespoons dark brown sugar
  • 2 tablespoons toasted sesame oil
  • 2 cups low-sodium chicken broth, divide
  • 1 acorn squash, halved lengthwise, seeds removed, sliced ½-inch thick
  • 1 bunch mustard greens, tough stems removed, leaves torn
  • 2 tablespoons unseasoned rice vinegar
  • 2 teaspoons toasted sesame seeds
  • Cooked white rice (for serving)


Lightly season chicken thighs all over with salt /pepper.

Heat oil in a large Dutch oven or other heavy pot over

medium-high. Working in 2 batches and pouring off all

but 2 Tbsp. fat between batches, cook chicken, skin side

down, until skin is browned and crisp, 8–10 minutes.

Transfer to a plate, placing skin side up (chicken will not

be cooked through at this point).


Cook white and pale green parts of scallions, chiles, and

ginger in same pot, stirring often, until scallions and ginger are golden, about 3 minutes. Add wine, bring to a simmer, and cook until reduced to about 3 Tbsp., 5 minutes. Add soy sauce, brown sugar, sesame oil, and 1 cup broth and bring to a simmer, stirring to dissolve sugar. Return chicken to pot, placing skin side up and overlapping if needed. Partially cover pot, reduce heat, and simmer until chicken is cooked through, 25–30 minutes. Transfer chicken to a plate.


Add squash and remaining 1 cup broth to pot and push in

squash so it’s mostly submerged. Arrange greens on top.

Bring to a simmer, partially cover pot, and cook until squash is barely fork-tender and greens are wilted, 10–12 minutes. Uncover, increase heat to medium, and continue to cook until liquid is reduced by about two thirds and has the consistency of thin gravy, 10–15 min.


Remove pot from heat and drizzle vinegar over vegetables. Taste sauce; it should be plenty salty, but season with more salt if needed. Add chicken back to pot, turning to coat in sauce, then scatter dark green parts of scallions and  sesame seeds over top. Serve with rice.


Chicken can be braised 2 days ahead. Let cool; cover and chill. Reheat covered over 

september 2020 newsletter

Petaluma Area’s Real Estate Market Continues to Ramp Up Welcome to The Seven Day Close

Timo listed a classic, turn-key California walk-to-town West-side bungalow this September. “Coming Soon” alerts on MLS alerted agents in the area to the upcoming opportunity for prospective buyers and the property received multiple, immediate pre-sale offers, including two from highly motivated cash buyers. 

 

“My clients were out of the area and unable to utilize their Petaluma home this year. We discussed strategy of timing for sale and decided this was as hot a market as we have seen in a while,” says Timo.


Executive assistant, Renee' spent several hours in thorough, cross-country video-calls inside the property with the owners at the other end of the screen. Together, they worked out a plan to de-clutter and donate any home goods and furnishings the owners did not wish to have packed and shipped after the house sold. 


“Renee' expertly staged the home and it presented beautifully,” says Timo. “It helped that the owners have great taste in décor and the house was immaculately appointed  to start with.” 

 

For most folk in the position of buying a home, the closing process on a purchase may take anywhere from a week to 60 days, depending on the property type, whether or not they are obtaining a mortgage and what type of loan they’re taking out. The closing process includes two distinct periods:


Escrow is the period of time between when the buyer and the seller sign the contract and the day the buyer closes on their new home.


Closing day is when the buyer is handed the keys and become the official owner of a new home.


Part of what makes closings take so long is the financing requirements, therefore if you are buying a home and are lucky enough to be paying with cash, this generally expedites the process. If you are paying with cash, you may be able to close in as little as seven days after contract execution, assuming you’re willing to waive contingencies.


“Typically, less than 30% of home purchases are cash transactions,” says Timo. “And yet we are currently seeing unprecedented cash offers on properties in the Petaluma area during this first year of a pandemic.”


People with the means to pay cash are showing that they’re highly motivated into making a swift move, putting themselves into a home that suits their exact immediate needs and requirements, at least for the foreseeable future.


“Buyers are not messing around when it comes to getting what they want and savvy sellers are happy to oblige when there’s a swift meeting of the minds,” says Timo. 


One of the top questions I’m being asked as a real estate professional here in the Petaluma area, is: “When should I sell?” Nobody has a crystal ball, unfortunately, I wish I did. But what I will say is that we don’t know if current market conditions will last through the election and the winter, so if selling is in your short-term future, it’s likely a wise move to

tap into the current demand.”


Timo is happy to discuss real estate needs, timing or otherwise. Call him today at 707.477.8396.

Press Democrat on "Bay Area Flocking to Sonoma County"

Top Team Awards for Timo & Renee' — Rivetti Real Estate Ranked Top California Small Team Residential for RE/MAX California and #21 in The Nation

Timo & Executive Assistant extraordinaire, Renee' are extremely proud to put Petaluma firmly on the map as the top producing RE/MAX small team in California residential in sales from Jan-June 2020. 


Timo and & Renee' are ranked as the top producers in the state as well as #21 within the Nation’s Top 50 Small Team Residential RE/MAX Teams.


“It’s been a challenging year for everyone, for obvious reason,” says Timo. “We’ve never hesitated in providing continuing top service to our clients during this time. It’s been more important than ever to work as a professional, cohesive team, covering all the needs of our buyers and sellers.”


Community is key to the team’s on-going success. “We mostly work with our long-time customer-base, friends, neighbors and referral,” says Timo. “We’re incredibly grateful for the support of our close and extended community in putting their on-going trust in Renee' and myself for all of their real estate transactions.


Complex times don’t have to make for complex transactions and the past six months have proved that the real estate market in the Petaluma area is as robust as ever.”

Protecting Our Pets From Wildfire Smoke

 We love our pets and know that they are just as affected by the poor air quality and wildfire smoke as we humans are here in Sonoma County. Smoke irritates animal eyes and respiratory tracts, as it does our own.


It’s important that we protect animals with heart or lung disease and older pets who are especially at risk from smoke and should be kept a close eye on during all periods of poor air quality.


When smoke is present, we should keep animals indoors as much as possible, according to air quality experts. Limit walks. If it’s at all feasible, bring outdoor pets indoors: any place where there is good ventilation, such as a barn, garage, utility room or bathroom. Remove any potentially dangerous products.


Pet birds are especially prone to suffer outside during wildfire season. Don’t forget about an evacuation kit for your pets. If you are forced to leave a pet at during an evacuation, do not tie it up. 


Tips for Protecting Pets from Smoke

Ginger Pear Muffins

  •  ¾ cup packed brown sugar 
  • 1/3 cup canola oil
  • 1 cup buttermilk
  • 2 ½ cups all-purpose flour
  • 1 teaspoon baking soda
  • 1 teaspoon ground ginger
  • ½ teaspoon salt
  • ½ teaspoon ground cinnamon
  • 2 cups chopped, peeled pear 
  • Topping:
  •  1/3 cup brown sugar
  •  ¼ teaspoon ground ginger
  •  2 teaspoons melted butter


Preheat oven to 350°F. 


Beat sugar, oil and egg until well blended. Beat in buttermilk. In a separate bowl, combine flour, baking soda, ginger, salt and cinnamon, gradually beating into buttermilk mixture until blended. Fold in pears. Fill 18 paper-lined muffin cups two-thirds full. 


Make topping by combining brown sugar and ginger and stirring in butter until crumbly. Sprinkle over batter and bake for 18 to 22 minutes.

Tips for Protecting Pets from Smoke

August 2020 Newsletter

RAPID HOME SALES EXPECTED TO CONTINUE THROUGH TO 2021

As Sonoma County’s economy tentatively reopens and shelter-in-place restrictions ease, housing experts anticipate that home sales will likely continue to rise through the fall season. 


The number one issue keeping sales  from going through the roof is the lack of listings available.


There continues to be a huge appetite for homes in this area,” says Timo. “Both from newcomers fleeing urban areas and from locals looking for properties that are more suitable for their current  needs.”


Historically low mortgage rates that are hovering at around 3.03 percent are around 2 percentage points lower than they were this time last year which is further fueling demand.


“These low mortgage rates are a game changer,” says Timo. “And buyers don’t want to miss out.”


According to NAR, nearly 60 percent of homes sold this summer found new owners in less than 30 days. Realtor.com reported a slightly longer lead time, though the company anticipates lead times shrinking as home buyers continue to make offers in an increasingly competitive market.


Home showings, enhanced with face masks, limiting the number of people per showing, six feet distancing and hand sanitizing continue to take place and the numerous services that support the market, such as inspections and escrow closings, have also adapted safety protocol to remain operational. 


Home-buyers enthusiasm is powering the local housing market, despite a dip in mostly all economic indicators.


“Purchasers are making the biggest financial commitment of their lives in most cases,” says Timo. “It’s an uncharted time to buy or sell a home but sales are continuing to happen at an increasingly fast pace.” 


The rapid adoption of work-from-home arrangements has led to a mass exodus of buyers moving farther from more heavily-populated areas, with people leaving big cities for the suburbs, small towns and rural areas such as Petaluma and surrounding countryside. Experts believe this move from urban centers may be a permanent change.


“The balloon in interest locally is pushing prices up,” says Timo. “It will be interesting to see if sales slow down any during the winter months when factors such as a second wave of the pandemic and potential lock-down may soften upward price curves.”


However, as the year moves toward its end and into 2021, experts do predict more ongoing preference changes as buyers seek additional space and amenities in their home.


“This takes us back to the shortage in home supplies,” says Timo. “As the economy gradually opens up, these shortages will become more heightened. The next twelve to eighteen months are a good time to sell, basically.”


Thinking of making a move in the Petaluma area? Call Timo for a consultation and evaluation on your needs today at 707- 477-8396.


“My team is extremely well-versed in handling the listing or purchasing procedure in this current climate for our clients,” says Timo.

HOME OFFICE DESIGN

Nobody knows how the world will look post-COVID-19, yet one thing is for sure, live-work spaces are the number one creative focus in the way we use our

homes.


“Layout, use and design has become far more individual and technical, as we use our homes for work, school, exercise and recreation,” says Timo.


“Homeowners, landlords and renters are becoming ever more conscious and thoughtful about how to make lives better in the spaces we have.”


Home Offices now need to be fully functional with proper seating, work surfaces, lighting, acoustics, and temperature control. “Many clients don’t want to work from the dining room table or a nook in the kitchen if they can help it,” says Timo. “By finding homes with a space that may be differentiated as an office setting, people are able to be as productive as they were in a traditional office environment.”


People who are now working from home full time need to be sure that their home working environment is fully equipped to support them. “Modern life during the

pandemic-era calls for innovation in the use of home space, not just with the home office,” says Timo. “Other needs include arts and crafts areas, meditation nooks and dedicated space for virtual meetings.”


Acoustics have become a higher priority. “Private communication rooms are an important addition moving forward — providing space for family members to use for

digital communications whether for social, business, or educational purposes.” Soundproofing and good lighting are new considerations. Architectural Digest reports that many contract furniture manufacturers are readjusting their business models to sell direct to consumers. “Companies are finding success by pivoting to selling office furniture direct-to-consumer,” says Timo.


“There’s a surge in consumer demand for office furniture, as people realize they need proper work-from-home equipment.” As skyrocketing demand for housing in Sonoma County continues to rise, buyers are eyeing properties with potential for conversion to their specific needs.


“It is certainly one of the most creative times in the housing market,” says Timo. “I welcome the challenge of finding the right property for my client’s unique and specific needs.”


While there isn’t a lot of inventory for buyers to pick from, this is encouraging increased out-of-the-box vision and adaptation of properties and ancillary buildings. “Anything is possible,” says Timo. “If your work-at-home needs are modest or more on a larger scale, there is a solution out there for you.”

Heirloom Tomato, Sweet Peach and Mozzarella Caprese Salad

Fresh mozzarella, juicy, sweet peaches and ripe, seasonal tomatoes. This summery salad is all about simple ingredients, enjoyed at their peak.


  • 1/2 cup white balsamic vinegar
  • 1 garlic clove, minced
  •  3 tbsp brown sugar
  • 3 tbsp olive oil
  • 1/4 tsp Salt
  • 2 fresh peaches, cut into 1-inch pieces
  • 2 lbs heirloom tomatoes, cut into 1-inch pieces        
  • 4 tbsp fresh basil, chopped
  • 8 oz fresh mozzarella cut into 1-inch pieces
  • Fine sea salt/fresh ground black pepper 


In a small bowl, whisk together the vinegar, garlic, sugar, olive oil and 1/4 teaspoon salt until fully incorporated.

Stir the peaches, tomatoes and the basil together with the dressing. Mix in mozzarella. Sprinkle with fine sea salt & freshly ground pepper to taste. 



June/July 2020 Newsletter

No Place Like Home

  

“The ache for home lives in all of us. The safe place where we can go as we are and not be questioned.” 

— Maya Angelou 


Home has taken on a whole new level of significance in all of our lives over the past few months. And so it is not too surprising to us that real estate market activity in Petaluma and surrounding areas has not experienced the slow-down that urban areas are reporting since COVID-19 social distancing restrictions kicked in. 


“Quite the opposite,” says Timo. “The Petaluma area is an idyllic place to be during the current pandemic. And brokers and agents throughout Sonoma County are continuing to respond to a rush to market as motivated sellers see this unprecedented period as an opportunity to reach buyers who are looking to secure their own personal nirvana.”

The beautiful Sonoma County countryside, a deep sense of community and quaint, historic downtown lure of Petaluma is proving itself of enormous appeal to city dwellers looking to make the move north.

“Working from home has taken on a whole new momentum as some of the major tech companies and many smaller businesses in that field have advised their employees that telecommuting is not only permitted, but often-time mandated for the foreseeable future,” says Timo.


Low supply and growing demand are causing a surge in bidding wars and not necessarily in the starter home category. “Demand for homes with walkability and also land and those that are able to accommodate multi-generational living is intense,” says Timo. “Many homebuyers are searching for more space as they figure a home office and room for home schooling may become the norm.”


“Buyers have been locked into their space for three months and they’re evaluating whether they have enough room inside, outside. Is there enough light? Do they have a suitable home office? What is their quality of life outside of the home?”


If the answers to those questions are no, buyers are calling their agent. “Then, let’s factor in the record low interest rates,” says Timo. “Whatever happens to the market, home comes first and if a client secures a low interest rate on their mortgage, it’s proving one of the smartest moves to make right now.”


If the middle of a pandemic-induced recession, with millions of people out of work and the future uncertain does not seem like the greatest time to drop big bucks on a move, it’s not stopping many of Timo’s clients from buying and selling. 


“There are many reasons for my clients to move at any given time. The current situation, in my experience, has heightened many of those motivations and it has been reassuring to be able to facilitate numerous seamless sales and purchases since the outset of the pandemic.”


Safety protocol in real estate ramped up remarkably quickly in response to these needs and buyers and sellers have been extremely cooperative. 


“I’m impressed by the level of care and consideration that ushers through a home sale and purchase currently,” says Timo. “From initial consultation to listing, photographs, limited showings, title and escrow and move out/in.”


Wealthy city dwellers seeking large properties with pools and plenty of acreage have led to a sharp rise in interest and pricing in the luxury home market, locally. 


"COVID-19 and the recession have not affected everyone equally," says Javier Vivas, realtor.com's director of economic research. "We're coming off a great economic boom — and home buyers in the luxury tier have accumulated wealth for these types of purchases. This is not atypical, as high net worth individuals are traditionally less affected by recessionary blips, and some see it as an opportunity to invest or offload cash into real estate."


Many less wealthy urban dwellers are reassessing their expensive rents during Covid-19. “Many folk who have been furloughed, laid off, suffering from reduced wages, or other financial difficulty, have had or are having a conversation with their landlords about reducing their lease or getting an abatement,” says Timo. “We’re seeing this play out in the Petaluma area as young people move back in with their parents and families figure out a way forward with housing needs, together.”


In a time where it may have seemed more likely that the housing market would remain stagnant, its buoyancy is reflected in the desirability of the regional location in balance with affordability in the greater Bay Area. 


“If you’re thinking of buying or selling, I am happy to talk through your needs and prospective options,” says Timo. “Establishing a solid strategy is key to making it happen.” 


“Home is the nicest word there is.” 

— Laura Ingalls Wilder

TIPS FOR SAFE & SANE FOURTH OF JULY CELEBRATIONS

Remember when Fourth of July was all about managing fireworks and sparklers? Nowadays, the bigger question is whether it’s safe or sane for friends and family to gather during a pandemic. With more and more people venturing out, the parties are going to be happening this summer, so 

we’re sharing these tips from the LA Times, health and catering experts to help keep us all safe. Tips have been broken into the eight most common party-planning hurdles: communication, timing,  seating, food, drinks, mingling (or not), bathroom breaks and whether to jump into the pool.


Here is the link to the full article and a few of our favorite tips below  ...    

https://www.latimes.com/lifestyle/story/2020-06-24/get-together-safely-4th-of-july-more-summer-party-fun


TIPS FOR SAFE & SANE FOURTH OF JULY CELEBRATIONS:


  • Talking with guests before the party is critical to its success, make sure everyone knows  expectations ahead of time and what is non-negotiable, (ie wearing a mask if mingling).
  • Ease the tension around wearing face coverings by buying white masks for all your guests and providing fabric markers or stickers at each household table for decorating them. Another option is acrylic face shields as party favors.
  • Inform everyone that the party is outdoors only (except for bathroom, see full article). 
  • Don’t take offense. Give people the freedom to politely decline. Accept gracious refusal. 
  • Last year’s Fourth of July party lasted until the wee hours, but this year, it’s best to limit exposure to other people, so set a start and end time on your invite ... “Noon to 4 p.m.”   6. Set a specific time when food will be served and let people know ahead. Even in non- pandemic times, it’s unsafe to keep food sitting outside for long.
  • Tell your guests the schedule ahead of time. That way, everyone knows when the food will be put away and when you plan to move chairs into a safe-distance circle for people to talk and mingle, masks on. Some might prefer to come for just the mingling part.
  • The party size should be decided by how many people can safely be six feet apart in yard. 
  • Ideally, people from the same household should be assigned to their own table for eating, so they can comfortably take off their masks to eat.
  • Place disposable plates, cutlery, napkins, cups and straws on each table, so a household has what it needs, or put wrapped cutlery and straws at each place. You’re trying to minimize the need for guests to get up looking for and handling items they need or want. 
  • Table decor can still be fun. Be creative and add masks, hand sanitizer, and red, white and blue straws to your centerpieces.
  • Choose your designated servers before the party and make sure your recruits are willing to do the job. Asking people after they arrive can be awkward and unreliable.
  • If your guests are bringing side dishes or salads, request that they bring them covered. Once they arrive, those dishes should be managed by only one designated server, who handles all the serving spoons and keeps food covered until it’s served. You don’t want multiple people touching the same utensils.
  • Designated servers should wear masks and disposable gloves while they’re serving food, the caterers say, so have an ample supply, such as inexpensive food-handler/vinyl gloves. 
  • Appoint a designated server for each area BBQ, sides/salad table, appetizers, desserts, drinks, even chips and salsa, etc. to minimize the handling of communal items.
  • The easiest and safest drink options are labeled open coolers or tubs, one with bottled waters, another with sodas and another with beer or canned alcoholic beverages, so people don’t have to open a lid and root around.

482 Scenic Drive - Fairfax

Fantastic in Fairfax! Located on the Edge of Tamarando Open Space this Exquisitely Remodeled 4 Bed 2 Bath

Approx 1680 Sq Ft Has Been Refurbished Throughout & Sits in a Majestic Setting with Filtered Views Of Marin Hills. Upgrades Include Integrity Marvin Windows, Refinished Oak Floors, New Kitchen w/Kohler Farmhouse Sink, Silestone Countertops, LED Lighting, Bathroom w/ Clawfoot Tub, Master Bathroom w/ Walk In Shower, Solid Cherry Vanities, Fitted Elfa Closet Systems in Bedrooms, Door Pine Casings, Baseboards & Crown Molding, Upgraded Electrical to Support Generator, Rare 2 Car Garage New Cedar Fencing &

Stairs plus Cedar Deck & Balcony to Enjoy Soaking in the New Jacuzzi Tub. This Home has it All Plus Large Level Flat Lot Below to Enjoy & Relax in Your Own Forest.

Individual Very Berry Cream Tartlets (Good Housekeeping)

Ingredients Crust:

  • 3/4 c. (11/2 sticks) butter, softened
  • 3 tbsp. granulated sugar
  • 1/4 tsp. salt
  • 1 large egg yolk
  • 1 1/3 c. all-purpose flour

Ingredients Pastry Cream:

  • 6 large egg yolks
  • 3/4 c. granulated sugar
  • 6 tbsp. cake flour (not self-rising)
  • 1/4 tsp. salt
  • 2 1/4 c. whole milk
  • 1 vanilla bean, split
  • 1/2 tsp. almond extract
  • 1/2 c. sliced almonds, toasted

Ingredients Topping:

  • blueberries
  • blackberries
  • raspberries
  • small mint leaves
  • edible chamomile flowers
  • confectioners' sugar


Directions

1. Make Crust: Preheat oven to 350°F. Spray 6 (4 1/2-inch-wide) mini tartlet pans with removable bottoms (see Editor’s Note, below) with baking spray.

2. In medium bowl with mixer on high speed, beat butter, granulated sugar and salt until smooth and creamy. Beat in egg yolk, then flour until just combined. If dough is too soft to handle, wrap in plastic and refrigerate 5 to 10 minutes.

3. Divide dough into 6 equal mounds. With lightly floured hands, press into bottoms and up sides of prepared tartlet pans in even layer; place pans on cookie sheet.

4. Cover each tartlet with small sheet parchment; add enough dried beans or pie weights to fill bottoms. Bake 15 to 20 minutes or until golden. Remove parchment and weights; bake another 5 to 8 minutes or until golden brown. Cool tartlet shells completely on wire rack.

5. Make Pastry Cream: Meanwhile, in large bowl, whisk egg yolks, granulated sugar, cake flour and salt until smooth.

6. In 3-quart saucepan, heat milk on medium-high until steaming and bubbles form around edge; remove from heat. To egg mixture, add splash of hot milk until smooth, whisking. Continue slowly adding and whisking in hot milk until half of milk is incorporated. Whisk in remaining hot milk until mixture is smooth. Return egg mixture to saucepan. Cook on medium 5 to 7 minutes or until very thick and bubbling, whisking constantly. Remove from heat.

7. Scrape seeds from vanilla and whisk into pastry cream, along with almond extract. Using med-mesh sieve, strain pastry cream into medium bowl, pushing through with rubber spatula. Discard any solids. Cover cream with plastic, pressing against surface. Refrigerate until cold, about 2 hours.

8. Divide almonds among bottoms of tartlet shells. Spread or pipe chilled pastry cream into tartlet shells. Top one-third of surface of tartlets with berries, mint and flowers. Dust lightly with confectioners’ sugar.

May 2020 Newsletter

DESPITE STAY-AT-HOME MANDATE, THE SPRING 2020 SONOMA COUNTY REAL ESTATE MARKET HOLDS STEADY

Home prices are holding their own here in Sonoma County as we move towards summer, despite COVID-19 selling restrictions. “Casual showings have moved online, with strict regulations for pre-screened, in-person viewings according to new, state and county-wide real estate guidelines,” says Timo, who reports an unexpected Spring season surge in calls from all over the State with regards to properties he has listed in the Petaluma area.


“Although I wasn’t anticipating this level of interest in real estate during the early stages of the lock down, it is not surprising to me that our Sonoma County communities and surrounding area is looking better than ever these days. Prices are holding their own as a consequence of supply and demand.”


Many recent sales in the south county were already in contract before the stay-at-home orders came into place, but it didn’t take long for real estate professionals to adapt to strict new guidelines in order to respond to a continuing strong market.


Despite an economy that has ground to a halt in most businesses and industries, real estate has emerged as being a continued necessity for people who have valid reasons to move. And aside from marriages, divorces, multi-generational home shares, births, job relocation and reasons for downsizing, many others are re-evaluating their lives right now, with housing being at the top of their list.


We are all redefining in one way or another,” says Timo. “A major consideration I’m keeping busy in response to with local clients as well as potential clients calling on my listings, is narrowing down property needs and desires. Buyers and sellers both are redefining what works best for them right now and going forward into the new

normal.” 


It’s one thing to define your “dream home” and another to figure out how to make this in any way a realistic viability. “It’s a different set of criteria for each client. It’s my job to help them figure out what is at the top of the list and how to find the right home that fits the bill for the best price.” 


“There’s no low-balling or bargain hunting taking place,” says Timo. “Inventory remains fairly low, so my sellers are not taking a bath at this point.”


From a buyer’s perspective: “Sales are moving fairly swiftly, as buyers recognize the value of location in this current market.” 


Nobody is able to predict what the market will be like going forward. “Though, I continue to take my lead from real estate analysts and financial advisors in that real estate should remain a long-term investment,” says Timo.


Realtor.com reports the Corona virus has Americans window shopping real estate like crazy: “Nothing delivers like a listing photo of a spacious cabin on a remote, wooded 10 acres with a lush garden overlooking a private lake,” reports Janet Siroto from her New York apartment in a high-rise building in a May 5th article. “My anxiety craves an escape hatch.” Window shopping for real estate fills folks with a sense of calm.


“Many are seeing this pandemic era as a sign that we shouldn’t be living in too close quarters,” says Timo. “Online views for Petaluma area properties are ticking up. Some maybe are looking to escape to the country and small-town life, while others wonder if they may need to relocate from more expensive areas if they don’t have the financial resources to stick it out in high rent/real estate

communities. A lot more people are figuring out if they can work from home indefinitely, why pay the price for cramped accommodations?” 


There are a lot of real estate plan B’s being formulated in real time.


“Whatever your reason to be in the market at this time, it’s important to remind yourself that having the freedom to take the reins and make a fresh start is still within your reach. “We all want to live our best lives right now and going forward,” says Timo. “I’m expecting more inventory to come onto the market and I am happy to take your call.”

GREENING OUR HOMES

In celebration of the 50th anniversary of Earth Day this Spring, there’s no time like the present for us to do more

than just clean our homes. Reducing waste, toxic chemical and energy use is more important than ever as we adapt toward a greener way of living, both for the planet and our pockets.


We’ve taken some tips from AAA Via Magazine to get us started ...


1. Turn Down the Heat & AC — If we keep our thermostats no higher than 68 degrees in winter and no lower than 78 degrees in summer, we’ll maintain maximum efficiency. Don’t forget to switch it all off at night. Smart device investments such as Google Nest are handy tools for programming and controlling indoor climate intelligently.


2. Invest in Smarter Bulbs — If we switch five or more of our home’s most heavily used lights from traditional incandescent bulbs to Energy star-certified CFLs, LEDs or halogens, we’ll cut light energy use up to up 80 % and save up to $75 a year per household. These newer bulbs last up to 25 times longer which is an added bonus.


3. Seal Drafts — Do our homes have adequate insulation? Hire a pro to crawl into attic spaces and find drafts around doors and windows.


4. Unplug Energy Sucking Appliances — Those that draw in power even when not in use. TV, stereo, cable box, console, laptop, printer, microwave, toaster oven, coffee maker, blow dryer should all be unplugged when not in use.


5. Go Solar— A big investment initially, around $12,500 after tax credits, but solar panels are one of the greenest moves we can make. The price of home solar has dropped

significantly over the past decade. Most homeowners break even with solar panel investment within seven years and it is estimated will save up to $20,000 over the next 20.


6. Check Heater — Maintaining our HVAC system is key to aiming for a greener home. Call a pro to inspect and clean or change filters as needed.


7. Waste Less — Buy only what you need in the kitchen and elsewhere in the home. Cook what you need for now and left overs and freeze the rest. Compost food scraps for the

garden. Reduce the amount of food packaging that comes into the home by opting for bulk items stored in reusable jars and bags.


8. Clean Green — Try natural solutions and bio-friendly brands including Clorox Green Works, Dr. Bronner’s, Method, Mrs. Meyers Clean Day and Seventh Generation, or good old

one-part vinegar to three parts water. Buy in bulk and refill plastic bottles when empty. 


9. Rethinking Our Diet — Meatless Mondays is a great way to incorporate more plant-based eating into our diets.


10. Wipe Wisely — toilet paper jokes aside, the world destroys 27,000 trees each and every day and here in the U.S. we use more t.p per capita than any other country. If you don’t like the recycled paper brands in your bathroom, think of how many trees you’ll be saving by using less sheets per session!


11. Don’t Be A Drip — Water is our precious resource. Swap old shower heads for low-flow models. Turn off the tap when brushing teeth and shaving. Take shorter showers to

compensate for all the hand-washing we’re doing.


12. Cool the Load — Try the cold-water wash with laundry. Today’s machines and detergents are optimized for cold-water washing, which is better for our clothes. Wait until there’s a full load for doing laundry and try out a detergent that is free of phosphates.


13. Skip the Dryer — Hang a washing line. Clothes dryers are one of the biggest energy hogs in our homes.


14. Print Judiciously — Use both sides of recycled paper if we must have a printed copy. Look for printers that are Energy Star certified when replacing an old model.

Feature Property Coming Soon!

3451  Parker Hill Road in Santa Rosa features 5 bedrooms, 3 baths and 3153 sq ft of beautifully remodeled living space.  Set behind a gated entry on a private 30,600+ sq ft lot with a gorgeous new kitchen remodel, swimming pool, entertaining areas, 2-car garage, additional 2 car garage/workshop and more!


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Grilled Mushrooms and Sausages with Pimentón Vinaigrette

  • 1/2 cup plus 3 tablespoons extra-virgin olive oil, plus more for brushing
  • 2 pounds mixed wild mushrooms, such as hen-of-the woods, cremini and chanterelles, cut into large pieces
  • Kosher salt
  • Pepper
  • 1 1/2 pounds mixed sausages (soft Spanish chorizo, Italian pork sausage)
  • 3 tablespoons sherry vinegar
  • 3 garlic cloves, minced
  • 1 1/2 teaspoons pimentón
  • 4 ounces frisée, torn into large pieces (4 cups)
  • Crusty bread for serving


Preheat a griddle or 2 large cast iron

skillets and lightly brush with olive oil. In a large bowl, toss the mushrooms with 3 tablespoons of the olive oil and season with salt and pepper. Cook the mushrooms and sausages on the griddle over moderate heat, turning occasionally, until golden and cooked through, about 10 minutes for the mushrooms and 10 to 15 minutes for the sausages.

April 2020 Newsletter

WHAT BUYING OR SELLING LOOKS LIKE THIS SPRING

The coronavirus pandemic continues to impact us all. The real estate industry has been deemed an essential service to help home buyers and sellers navigate one of the most important purchases or sales they will ever make. There are many reasons why people will buy and sell properties during this unprecedented time. Everything, from brokerage operations to how listings are being marketed and the ability to close transactions, is requiring REALTORS® to adapt to these extraordinary circumstances. “Now more than ever, we are here to support our real estate clients and to see you through this crisis.” 


We are helping clients adapt to home-buying and sales under social distancing orders. “We’re not seeing nearly as much of a slowdown in real estate related calls, online searches, emails and texts as may have been expected,” says Timo. “Renee and myself work remotely many hours a week, so we are well prepared for taking calls and responding to clients’ questions from our homes as we all practice our shelter in place routines.


” Buyers and sellers were ramping up for a strong Spring market prior to this crisis and we are committed to discussing every option for purchases and sales according to your precise needs and timeline. “Experience counts especially right now and adaptability is key to any real estate transaction that needs to take place in the current climate. We are adept at handling complex situations,” says Timo. "Steps are in place for virtual open homes, virtual tours, limited showings, longer contingencies and with stellar collaboration between buyers, sellers and agents, we are confident we’re able to continue working together fulfilling safe and successful transactions.” A Covid-19 Addendum is in place for any real estate transactions this spring, allowing greater flexibility for extensions on closing; For instance, should a loan office be closed on a particular day because of low staffing or other unforeseen circumstance.


There is pent-up demand for properties in Petaluma and surrounding area right now. Most people are putting plans on hold, but many are deciding not to sit it out in a competitive market even though no one can accurately predict what the market will do next. “We are advising that you continue to focus on your personal goals and take a long-term approach in real estate, as opposed to getting too caught up in the short-term mindset,” says Timo.


We believe in putting our clients first by limiting all in person activity, adhering to CDC health and hygiene guidelines and adhering to transaction guidance during COVID-19 by the National Association of Realtors. 


Everyday life and Real Estate has made some changes, but we are here to support you. Together we will get through this. We wish you and your families all the best. 



Looking For Book Suggestions?

Frances Rivetti shares her picks by friends, family and fellow Sonoma County Authors. Order from Bookshop to support brick and mortar bookstores. 

Click Here for Book Suggestions

MORTGAGE RELIEF

Governor Gavin Newsom announced recently that four of the five big banks Citigroup, JPMorgan Chase, U.S. Bank and Wells Fargo along with almost 200 state-chartered banks and credit unions agreed to put off collecting mortgage payments for up to 90 days from borrowers who can document they’ve been affected by the crisis. 


He said the financial institutions also agreed not to report the late payments to credit agencies and wouldn’t start foreclosure sales or evictions. If you are a homeowner experiencing financial hardship directly or indirectly related to Coronavirus (COVID-19) and your mortgage is owned by Freddie Mac, contact your loan servicer (the company listed on your mortgage statement) to discuss your options. Whether you’re facing job loss, reduced income, illness or other issues that impact your ability to make your monthly mortgage payment, Freddie Mac is working to ensure you are protected. The company has directed your loan servicer to provide mortgage relief options that include: 


  • Ensuring payment relief by providing forbearance for up to 12 months. 
  • Waiving assessments of penalties or late fees 
  • Halting all foreclosure sales and evictions of borrowers living in homes owned by the company until at least May 17, 2020.
  • Suspending reporting to credit bureaus of past due payments of  borrowers who are in a forbearance plan as a result of hardships attributable to this national emergency. 
  •  Offering loan modification options to provide mortgage payment relief  or keep those payments the same after the forbearance period. 

 

Borrowers are eligible for forbearance regardless of whether their property is owner occupied, a second home or an investment property. If you are struggling to make your mortgage payments or believe you may fall behind on payments soon, don’t wait – contact your loan servicer now. 

MORTGAGE RELIEF

Governor Gavin Newsom announced recently that four of the five big banks Citigroup, JPMorgan Chase, U.S. Bank and Wells Fargo along with almost 200 state-chartered banks and credit unions agreed to put off collecting mortgage payments for up to 90 days from borrowers who can document they’ve been affected by the crisis. 


He said the financial institutions also agreed not to report the late payments to credit agencies and wouldn’t start foreclosure sales or evictions. If you are a homeowner experiencing financial hardship directly or indirectly related to Coronavirus (COVID-19) and your mortgage is owned by Freddie Mac, contact your loan servicer (the company listed on your mortgage statement) to discuss your options. Whether you’re facing job loss, reduced income, illness or other issues that impact your ability to make your monthly mortgage payment, Freddie Mac is working to ensure you are protected. The company has directed your loan servicer to provide mortgage relief options that include: 


  • Ensuring payment relief by providing forbearance for up to 12 months. 
  • Waiving assessments of penalties or late fees 
  • Halting all foreclosure sales and evictions of borrowers living in homes owned by the company until at least May 17, 2020.
  • Suspending reporting to credit bureaus of past due payments of  borrowers who are in a forbearance plan as a result of hardships attributable to this national emergency. 
  •  Offering loan modification options to provide mortgage payment relief  or keep those payments the same after the forbearance period. 

 

Borrowers are eligible for forbearance regardless of whether their property is owner occupied, a second home or an investment property. If you are struggling to make your mortgage payments or believe you may fall behind on payments soon, don’t wait – contact your loan servicer now. 

KEEPING YOUR HOME FREE OF GERMS

Staying safe from the new coronavirus means staying home. But infectious germs can live inside our houses, also.


To minimize the risk of sickness, the Centers for Disease Control and Prevention recommend we frequently disinfect high-touch surfaces, including counter-tops, doorknobs, cellphones and toilet flush handles, since some pathogens may live on surfaces for several hours or more. 


Are we disinfecting properly? First, we need to clean—removing grease or grime—before we disinfect. Second, the disinfectant must remain on the surface for several minutes, before it dries or is wiped off. “Check the label for wait times to make sure the virus kill is effective,” Sansoni says. 


Bleach and other cleaning products are in short supply. We have to be careful not to overuse chemical cleaners and, worse, mixing cleaning products in hopes of boosting their effectiveness. 


Here are some other tips for staying safe at home: The CDC recommends washing hands vigorously with soap and water for at least 20 seconds. If you don’t have alcohol-based hand sanitizer, any soap will do the job as long as we wash our hands thoroughly and as instructed. 


For a homemade disinfectant, the CDC recommends mixing a quarter-cup of household chlorine bleach with one gallon of cool water. After disinfecting food-prep surfaces such as cutting boards and counter-tops, rinse them with water before use. For laundry, use detergent and bleach (for white loads) or peroxide or color-safe bleach (for colors) to kill germs. (Be sure to read clothing labels to avoid damaging garments.) To boost the effect, some washing machines have sanitize or steam settings that kill germs. Drying laundry on the dryer’s hot cycle for 45 minutes also is effective. If possible, operate dishwashers on the sanitizing cycle. 

Spiced, Marinated Lamb Chops With Garlicky Yogurt

Recipe Of the Month

Spiced, Marinated Lamb Chops With Garlicky Yogurt 


  •  2 garlic cloves 1½ C whole-milk Greek yogurt 
  • Juice of 1/2 lemon 
  • Kosher salt 
  • Freshly ground black pepper 
  • 2 teaspoons ground cumin 
  • 1 teaspoon ground coriander
  •  ¾ teaspoon ground turmeric
  •  ¼ teaspoon ground allspice 
  • 8 rib lamb chops (1–1¼"thick) 
  • 2 tablespoons veg. oil, divided 


Peel 2 garlic cloves & finely grate into a medium bowl. Add 1½ cups yogurt to bowl with garlic. Squeeze lemon into yogurt mixture. Season yogurt mixture with salt and pepper and whisk to combine. Transfer ½ cup yogurt mixture to a small bowl; set aside for serving. Whisk 2 tsp. cumin, 1 tsp. coriander, ¾ tsp. turmeric, and ¼ tsp. allspice into remaining yogurt mixture; set aside. Season both sides of 8 lamb chops with salt and pepper on a rimmed baking sheet or large plate. Using your hands, evenly coat all meaty surfaces of chops with spiced yogurt mixture. Let chops sit at room temperature 30 minutes, or cover and chill up to 12 hours. Heat 1 Tbsp. oil in a large skillet over medium high. Wipe off excess marinade from lamb chops. Working in 2 batches, cook lamb until nicely browned, about 3 minutes per side (the yogurt in the marinade will help them take on color quickly). Transfer chops to a plate. Pour off fat from skillet (no need to wipe it out). Repeat with remaining 1 Tbsp. oil and chops. Serve with reserved yogurt.  Spiced, Marinated Lamb Chops With Garlicky Yogurt  

March 2020 Newsletter

Don’t Leave Tax Breaks on The Table After You’ve Sold Your Home

 One of the big tax deductions you may qualify for after a home sale are the selling costs. “Be sure to check in with your financial advisor about any tax deductions you may be eligible for after selling your home,” says Timo. Costs that are directly tied to the sale of the home qualify for tax breaks. Also, if you’ve lived in your home as your principal residence for at least two out of the five years prior to selling you may earn tax advantages.  You can deduct any costs associated with selling the home—including legal fees, escrow fees, advertising costs, and real estate agent commissions,” says Joshua Zimmelman, president of Westwood Tax and Consulting in Rockville Center, N.Y in February’s edition of Realtor Magazine. However, tax experts do warn that these costs are not deducted in the same way that mortgage interest is. Instead, they are subtracted from the sales price of the home, which turns into a capital gains tax. Other potential deductions for sellers include home improvement and repair costs. “If you undertook renovations to make your home more marketable, you may be able to deduct these costs from your taxes,” says Timo. Renovation projects may include exterior and interior house paint, roof repairs or a or new water heater, for example. “Deduct these kinds of expenses as selling costs, if they were made within 90 days of the closing,” Timo says.

Organizing Your Home After the Annual Spring Clean

We start out with good intentions of keeping things neat and tidy at home after a spring clean but how long does it last before we’re digging through the junk drawer looking for tape, safety pins, or that lone, last paperclip? 


Toiletries quickly pile up in bathroom cabinets, spilling out on  counter-tops every time we open the doors. When is the last time we went deep into the linen stash other than pulling the same bedding and towels out for re-use over and over?


We looked to Elle Décor for fresh organizing tips to reduce clutter build up.

1.    Re-purpose trays, bowls and dishes to tame junk drawers or purchase a drawer organizer. Place a non-slip mat underneath to stop it all from sliding around when you open and close a drawer.

2.    Re-arrange shelf risers in bathrooms cabinets to make more sense of what you store by bottle and jar size. 

3.    Add tiered shelving to your pantry for better access to staples.

4.    Add a towel rack to the inside of the linen closet. Great for out-of-sight storage of table linens, throws and extra towels. Over-the-door racks are great for inside closets in every room.

5.    Ditch the manila folders. Go for color-coded files for household documents.

6.    Employ the one-in one-out rule for clothing and household items. Establish a donation box for your favorite non-profit thrift store.

7.    Hang pots and pans and other clutter on your counter-top on wall space. A towel bar over the sink is another good idea for towels, mugs, handy utensils.

8.    Stock up on clear glass containers and refill with bulk items instead of boxed goods.

9.    Add cord-keepers to appliances.

10.  Store shoes heel top to toe to maximize space.

11.  Designate a drop zone space for everyday items to prevent clutter spreading.

12.  Maximize freezer space with bins.

13.  Hang gift wrap in a garment bag.

14.  Transfer an entryway with hooks/shelves to streamline front door pileup. 

15.  When in doubt, throw it out. Use it or lose it. Better still, recycle or donate

Co-Buying Trend Growing

Cash-strapped millennials who don’t have access to financial support are teaming up with friends for an entryway into home-ownership. 


According to data from the National Assoc. of Realtors ®, those faced with rising home prices and student loan-debt are figuring out how to get into the housing market by thinking outside of the typical single-family box. 


Co-buying is a business transaction, even among friends. “It’s no longer the unusual avenue and it's inspiring to be working with creative people who have the tools to collaborate and make home-ownership possible for themselves, their partners and friends” says Timo.


Interested in co-buying as a potential option for yourself or a family member? Give Timo a call or send him an email to set up a time to explore the idea further.


Big Green Country

Culling from her research as an independent reporter at home at the gateway to the country's largest cannabis growing region, Frances has painted a gritty, graphic fictional portrait of the contemporary Green-Rush from one women-driven family's unique perspective — the lure, the benefits, the potential for boom and bust, but most importantly, its impact on the human condition and the real and present danger posed to young women attracted by large cash earnings. 

 

Big Green Country is a controversial crisis of rural poverty, environmental degradation, addiction, a broken health care system, alternative medicine and the stark reality of human trafficking within the region known as the Emerald Triangle.

Order directly for $19.99 from the author via the PayPal button on her blog at www.southernsonomacountrylife.com


Buy four or more books for volume discounts. Frances will sign and ship/deliver for free in the U.S. Books are available online at Barnes & Noble and Amazon and on Kindle. We're hoping local bookstores will be stocking her books this holiday season, please ask your favorite bookseller to order a copy, Big Green Country is available to booksellers through Ingram distributing.


Recipe of the Month

 Slow Cooked Irish Stew


  • 1 tbsp sunflower oil
  • 8 oz streaky bacon
  • 2 pounds stewing lamb chunks
  • Small bunch of thyme
  • 2 onions, chopped
  • 5 carrots, diced
  • 6 medium potatoes cubed
  • 3 cups lamb or vegetable stock
  • 3 bay leaves
  • 3 ounces pearl barley
  • 2 Lg. leeks washed/cut into chunks
  • 1 Tablespoon of butter
  •  Salt & pepper to taste


Sizzle bacon in a pan over medium heat and place into a Dutch Oven or similar. Brown the lamb chunks in the bacon fat in the pan and place into the Dutch Oven with chopped thyme, onions, carrots, potatoes, stock, bay leaves and just enough water to cover the meat. Cover and bake in oven on a low heat for seven hours. Stir in pearl barley and leek and cook on a higher heat for another hour or so until the pearly barley is tender. Stir in butter, season and serve hot with a hearty bread.


Jan/Feb 2020 Newsletter

REAL ESTATE WIRE FRAUD SCAMS

Beware of Real Estate Wire Fraud Scams — How to Protect Yourself From Being Tricked Out of Huge Amounts of Money During Final Stages of Property Transactions.


Home buyers are being tricked into wiring large down payments on the transaction closing day by criminals

spoofing or co-opting real estate industry email accounts.


Sonoma County home buyers beware. This is a real and current trend of cyber-crime, a new variant of wire fraud that is something everyone involved in real estate transactions must be made fully aware of in order to protect buyers, sellers and professionals in the real estate, loan and brokerage business from being extorted. 


"Don’t be caught in this nightmare scenario in which a scammer expertly times tricking you into wiring your down payment to an offshore account ,” says Timo. "The so-called business email compromise targets people who are involved in a pending real estate transaction and are expecting to be wiring money that day or week.”


The Federal Bureau of Investigation has been called into our region early this year to investigate cyber-crimes in this arena. “Crimes of this kind have reportedly risen to a level 14 times higher than last year,” says Timo. “Be informed and be on alert.” 


How do they get away with it? Someone in the loop, be it a loan offer, real estate attorney or broker has their email account compromised by malicious software, malware, sent by a criminal over email. Unbeknownst to the email account holder, the fraudster monitors unprotected emails in search of pending transactions.


“As the closing date approaches, the fraudster sends a legit looking email message to the buyer, informing him or her of a change of plans in that the down payment must be wired before the closing date to an account reportedly belonging to the seller,” explains Timo. “The account, in fact, belongs to a criminal, generally outside of the country and beyond the reach of law enforcement.” Fraudsters even follow up with phone calls and texts reassuring the wire transfer is for real.


Once the money is gone from an account for 24 hours it is near impossible to get it back. To be tricked by this sophisticated scam is to lose life savings in many cases along with the dream house purchase. 


Steps to Take to Protect Yourself:


Vigilance. Be aware that these scams are a possibility. Verify any suspicious email with phone calls to a double-checked contact number on record.


Voice Verify. Voice verification first when logging into new websites, transacting money or supplying any kind of financial info.


Talk to Your Bank. Ask your banker not to allow any wire transfers from you without a voice verification and add a note to primary accounts to put additional steps in place before allowing transfers to go through.


Don’t React Straight Away to Email. Always follow up with a call to the escrow/title company, attorney, your realtor, bank, lawyers or others for confirmation to an email requesting a financial transaction.

REAL ESTATE WIRE FRAUD SCAMS

Beware of Real Estate Wire Fraud Scams — How to Protect Yourself From Being Tricked Out of Huge Amounts of Money During Final Stages of Property Transactions.


Home buyers are being tricked into wiring large down payments on the transaction closing day by criminals

spoofing or co-opting real estate industry email accounts.


Sonoma County home buyers beware. This is a real and current trend of cyber-crime, a new variant of wire fraud that is something everyone involved in real estate transactions must be made fully aware of in order to protect buyers, sellers and professionals in the real estate, loan and brokerage business from being extorted. 


"Don’t be caught in this nightmare scenario in which a scammer expertly times tricking you into wiring your down payment to an offshore account ,” says Timo. "The so-called business email compromise targets people who are involved in a pending real estate transaction and are expecting to be wiring money that day or week.”


The Federal Bureau of Investigation has been called into our region early this year to investigate cyber-crimes in this arena. “Crimes of this kind have reportedly risen to a level 14 times higher than last year,” says Timo. “Be informed and be on alert.” 


How do they get away with it? Someone in the loop, be it a loan offer, real estate attorney or broker has their email account compromised by malicious software, malware, sent by a criminal over email. Unbeknownst to the email account holder, the fraudster monitors unprotected emails in search of pending transactions.


“As the closing date approaches, the fraudster sends a legit looking email message to the buyer, informing him or her of a change of plans in that the down payment must be wired before the closing date to an account reportedly belonging to the seller,” explains Timo. “The account, in fact, belongs to a criminal, generally outside of the country and beyond the reach of law enforcement.” Fraudsters even follow up with phone calls and texts reassuring the wire transfer is for real.


Once the money is gone from an account for 24 hours it is near impossible to get it back. To be tricked by this sophisticated scam is to lose life savings in many cases along with the dream house purchase. 


Steps to Take to Protect Yourself:


Vigilance. Be aware that these scams are a possibility. Verify any suspicious email with phone calls to a double-checked contact number on record.


Voice Verify. Voice verification first when logging into new websites, transacting money or supplying any kind of financial info.


Talk to Your Bank. Ask your banker not to allow any wire transfers from you without a voice verification and add a note to primary accounts to put additional steps in place before allowing transfers to go through.


Don’t React Straight Away to Email. Always follow up with a call to the escrow/title company, attorney, your realtor, bank, lawyers or others for confirmation to an email requesting a financial transaction.

THINKING OF DOWNSIZING?

According to Realtor Magazine, many homeowners who opt to downsize into a smaller place report that saving money is

their chief motivator, along with having to manage less space after the kids are raised.


“However, some home buyers do have downsizing regret as they transition into a smaller home,” says Timo. “It’s a good

idea to consult with an experienced agent when taking this important leap. I’ve worked with many clients over the years as they navigate this life transition, often times when parents become grandparents and wish to relocate to be

closer to the grandkids.”


There are many aspects to take into consideration to be happy with a downsizing decision. Pairing down possessions is a major challenge when downsizing to a smaller home, and the loss of space is one of most people’s

greatest challenges. “If your move takes you farther away from family or friends, it can be difficult,” says Timo. Many empty nesters who downsize make sure that a smaller home has room for their adult kids to return for the occasional overnight if the new location is not based on their proximity to one or more of their children.


“Less square footage generally means lower utility bills and less space for clutter to rebuild,” says Timo. “It may seem daunting to embark on a downsizing plan, but I recommend starting early with taking one room at a time in your current home and going through your belongings to decide what

you’d like to keep, what you are going to donate or sell and what needs to go to the dump.” Consider taking photos of items you think someone in the family or a friend may like or need and send out an email with a firm timeline to pick

up. “Take measurements of furniture you’re hoping to move with you and keep a note of these dimensions to have on hand when you start looking at smaller properties.”


“Moving is stressful, but if you’ve done the work of pairing down ahead of time, it can be rejuvenating and exciting to start afresh,” says Timo. According to the National Association of Realtors, the average home size in 1950 was

1,000 square feet. “Families were bigger back then,” says Timo. “Today’s average size home is 2,600 feet. Moving towards a smaller square footage may well boost your retirement fund, cut costs and reduce maintenance for the future. A more intimate living space has a lot of appeal.”

40 Things no person over 40 should ever have in their home (but no judgement . . . )

We had a good chuckle reading the linked article in Elle Décor online and given the fast approaching Spring Cleaning season, it seems appropriate to share this month. Whenever we amass years of stuff and don’t know where to start on a clear-out, it’s time to Marie Kondo our lives. And you don’t have to be over 40 to be guilty of hoarding. Number one, the dust ruffle, is as good a place to start as

any. Yucky towels, shoes that hurt . . . shot glasses and orphan socks . . . .  Click Here for the entire article.



Recipe of the Month

Grilled Fennel, Nectarine, Pomegranate & Herb Salad


After all the excess of the holidays, what could be more delicious and nutritious than a zingy and colorful winter salad? Serve with grilled salmon or roast chicken.


Ingredients: 

  • 6 nectarine oranges
  • Lemon juice
  • Olive oil
  • Salt
  • 2 Lg. fennel bulbs, trimmed,
  • sliced into thin rounds & grilled
  • Tarragon leaves, roughly
  • chopped
  • Coriander leaves, roughly
  • chopped
  • Mint leaves
  • 8 oz. Pomegranate Arils


Top and tail the peeled nectarines with a sharp knife and slice into a wide salad bowl. Add grilled fennel, herbs and pomegranate arils with lemon juice, oil, a tablespoon of salt and toss. Serves four to six.

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