Get Your Mortgage Phil

FHA Approved Condos in Burlingame

Fri, 13 Aug 2010 16:21:14 -0400

There are two FHA approved condos in Burlingame. If you want to use FHA financing to purchase a condo, it must be an FHA approved condo.

Parc Newlands is located at 107 El Camino Real. It is on the southwest corner of Newlands Avenue and El Camino Real. There are 17 units in this complex.

Pershing Park is located just west of this complex. It's a nice park for little kids.

Downtown Burlingame is nearby. Burlingame Avenue has many shops and restaurants that are enjoyed by mant residents and visitors.

The FHA maximum loan amount in San Mateo County is $729,750. The FHA down payment requirement is 3.5%

Before you make an offer on an FHA approved condo, have your Burlingame loan officer double-check to make sure that the condo is still FHA approved. The approval status can change.

The other FHA approved condo complex in Burlingame is located at 777 Morrell Avenue. The cross street is Rollins Road. There are 28 units in this condominium complex. Burlingame High School is very close by.

Broadway Avenue, the other "main" street of Burlingame, is another street that draws many from the local neighborhoods for shopping and dining.

Broadway Avenue is a good walk from 777 Morrell Avenue.

Do you need help structuring a loan, or getting a rate quote? Call me at (650) 222-0386, or e-mail me

Jumbo Loans

The Elements Of An Awesome Loan Package! Part 1 - The Application

Tue, 22 Jun 2010 20:34:11 -0400

In my opinion, the number one way to make a loan transaction fly through the process is by submitting an Awesome Loan Package! An Awesome Loan Package is actually very easy to put together. All it takes is a little attention to detail.

Let's start with the loan application. The key idea I want you to remember is to be accurate and complete. Some items are extremely important to be accurate with. Others are very important to be complete.

You want to be extremely accurate with:

The number of units
Occupancy (is it your primary residence, vacation home, or investment property)
Length of time at address (if any less than 2 years supply the former address(es) for a complete 2 year history
Time on job (any less than 2 years supply former employer(s) with accurate dates of employment. If you have any gaps in employment, prepare a letter explaining the reasons for the gap
Checking the Self Employed box if you owned 25% or more of a company

It is extremely important to be accurate with this information on the application because YOUR LENDER WILL FIND OUT IF IT IS NOT ACCURATE! They have extremely good quality control systems these days. If you are not accurate with this information, you will have some explaining to do! Explanations take time, and time is your enemy, especially on purchase transactions.

You want to be extremely complete with:

Sources of your down payment and/or settlement charges
All addresses where you have resided in the last two years
All employment in the last two years
All sources of income
Listing all of your accounts that hold liquid assets (don't forget about the cash value of life insurance)
List all real estate owned, even if there is no mortgage on a property

Being complete with these parts of the loan application is important not only because it speeds the process, but also because it can make the difference in qualifying for the loan. For example, your lender wants to know that your cash reserves are enough to make the payments if times get tough for you income-wise. Listing all of your liquid assets is a simple step to take that answers this question.

Once again, accuracy and completeness are the two key ideas to remember when completing your application. Part 2 of the Awesome Loan Package will focus on income documentation - stay tuned!

Do you need help structuring a loan, or getting a rate quote? Call me at (650) 222-0386, or e-mail me

Jumbo Loans

FREE entrance day to our National Parks

Mon, 08 Nov 2010 11:53:25 -0500

Everyone likes free, right? And we're in luck. This Thursday, November 11, 2010, entrance fees are being waived at our country's national parks. That's right, you can visit your favorite national park at no charge on Veterans' Day.

Some of the parks here in California include Yosemite National Park, Sequoia-Kings Canyon National Park and Joshua Tree National Park.

Closer to San Mateo County and the Silicon Valley are Muir Woods National Monument and Pinnacles National Monument.

This is a great opportunity to enjoy a day exploring some of nature's grandeur, and save on entrance fees to boot.

For more information, go to the National Park Service's web site.

--- Just another benefit of living in San Mateo County and the Silicon Valley!

Lottie Kendall, Realtor

Today | Sotheby's International Realty

San Carlos, California, 94070

DRE#01215160; 650-465-4547; Lottie@LottieKendall.com; www.LottieKendall.com

Peninsula Living: San Mateo County and Silicon Valley Real Estate

Home Maintenance Reminders for Homeowners

Thu, 21 Oct 2010 11:17:34 -0400

Home Maintenance Reminders for Homeowners

Whether you've just bought that first house, or have been a homeowner for many years, there are some household tasks that shouldn't be overlooked just because they aren't urgent.

We've seen squirrels actively preparing for winter, and now that we've had our first chilly days here in San Mateo County and the Silicon Valley, it's time for us to do to same.

Here's a list of some important tasks that shouldn't be overlooked:

change batteries in all smoke detectors
put fresh batteries in your flashlights
change/wash all filters -- aerators on faucets, kitchen fan filters,
furnace filters (check furnace filters monthly during heating season)
inspect your household emergency kit (you do have one, right?) and refresh the supplies -- don't forget pet and baby supplies, too, as well as medicine)
inspect your garage door -- tighten nuts that might have worked loose, make certain the automatic sensors are positioned and work properly
clear leaves and debris from gutters
check downspouts to be certain they aren't clogged, and water can flow freely away from the house
inspect your fireplace and have your chimney cleaned if you use a wood-burning stove
check for needed touch ups to caulking on exterior siding and around bathtubs inside
have your furnace checked and serviced
walk around your home, checking for and removing overgrown shrubs, tree limbs touching the roof, etc.

After attending to tasks like these, you can sit back and enjoy the chilly evenings and our occasional rain storm, knowing your home is, indeed, a haven.

--- Just another benefit of living in San Mateo County and the Silicon Valley!

Lottie Kendall, Realtor

Today | Sotheby's International Realty

San Carlos, California, 94070

DRE#01215160; 650-465-4547; Lottie@LottieKendall.com; www.LottieKendall.com

Peninsula Living: San Mateo County and Silicon Valley Real Estate

How does a stock loan work?

Tue, 05 Oct 2010 11:44:01 -0400

A client asked me the other day, "How does a stock loan work?" A stock loan works differently than a mortgage loan, but can serve the same purpose of financing real estate.

Instead of real estate as collateral for the loan, the stock portfolio (bonds and other marketable securities can work also) serves as the collateral. Generally speaking, the amount you can borrow depends on the quality of the portfolio.

For example, a portfolio of highly liquid stocks, such as those listed on the S&P 500, will allow for a higher loan-to-value percentage, than a portfolio of thinly traded penny stocks. Loan-to-value percentages can be as high as 80%.

One of the most important details of how a stock loan works is that the lender will usually require that you move the portfolio of stock that you are borrowing against to their institution. You don't have to move your entire portfolio - just the portion of the portfolio you are using as collateral.

Now that you know how a stock loan works, you may be wondering why someone would get a stock loan instead of a mortgage loan. Stock loans have many benefits.

Qualifying for a stock loan is based solely on the value and quality of the portfolio. Income, credit history, and property value play no role!

Is a stock loan an alternative to a stated income loan? Yes!

Is a stock loan an alternative to the old sub-prime loans? Yes!

Is a stock loan an alternative for someone who can't refinance their mortgage because of a lack of equity? Yes!

Another benefit of how a stock loan works is speed. If you pretend that a stock loan and a mortgage loan were horses, you would bet on the stock loan winning the race 99 times out of 100! The reasons the stock loan horse wins is because there is no property appraisal and no credit underwriting of the borrower.

Another benefit of a stock loan is its flexibility. There are no loan amount limits. It can be used to finance any type of real estate, so it can be used for residential and commercial loans. It can be used to finance those properties that mortgage lenders won't touch with a ten foot pole!

A huge benefit of how stock loans work is that they can be written as non-recourse. Non-recourse means that if the borrower stops making payments, the lender cannot recover other assets from the borrower if they fail to make the payments. They keep the securities, but that is it!

The payments on a stock loan are generally interest-only. An interest-only payment makes the payment lower than if it is amortized to be paid off in a certain amount of time.

Another benefit is that you are able to keep your portfolio the same. You may have been contemplating liquidating part or all of your portfolio to buy a piece of real estate. If you use a stock loan instead, you are able to continue to participate in the gains and losses, and you do not incur a capital gains tax that you may have to pay if you liquidate your stocks and/or bonds for the purchase.

Now that you know how a stock loan works, do you see any scenarios where it might work for you or your clients?

Do you need help structuring a loan, or getting a rate quote? Call me at (650) 222-0386, or e-mail me

Jumbo Loans

FHA changes effective October 4, 2010 in San Mateo County

Tue, 07 Sep 2010 14:11:28 -0400

FHA loans are becoming more important in San Mateo County. The maximum loan amount is $729,750. There are many homes that can be marketed with FHA financing being available, or purchased utilizing FHA financing.

There are some changes being implemented for FHA loans beginning in October. This article is an excellent summary of the changes and what the impact will be on transactions utilizing FHA financing in San Mateo County.

Via Ken Cook, 678-439-8683:

Effective for FHA loans for which the case number is assigned on or after October 4, 2010 the Upfront Mortgage Insurance will decrease from 2.25 to 1.00 (100 basis points) on all FHA insured loans except Home Equity Conversion (HECM - "reverse mortgage"). Chances are you have heard this or some version of it but until yesterday, September 1, 2010, it was not in writing in the official form from HUD.

When are FHA case numbers assigned?

Case numbers must be assigned prior to ordering third party services such as the appraisal. Appraisals are not ordered until there is a fully executed sales agreement in the lender's possession. The lender orders the FHA case number and assigns it to the loan application where it becomes permanent record.

Monthly Mortgage Insurance also changing.

With UFMIP going down MMIP is heading up. Much more dangerous to the industry because it impacts monthly payment and thus debt-to-income ration (DTI). Currently on loans of over 95% the MIP is .55% annually and from 95% and lower it is .50% annually. Effective October 4, 2010 those numbers will be .85% and .90% which results in an increased monthly payment.

Contrary to some reports there has been no notification of change in the amount of closing contributions by the seller which can be contributed to cover closing costs which is 6% and has not (yet) changed. The buyer must contribute 3.5% of their own money but it can be a gift.

This information applies to 203b and 203k loans.

Examples - top row is now, second row is after 10/4 and the $43.39 is the monthly payment increase:

Sales Price Down Loan Amt UFMIP Total Loan P&I Pmt MIP P&I&MIP 200,000 7,000 193,000 4,342.50 197,342.50 1,054.98 88.46 1,143.44 200,000 7,000 193,000 1,930.00 194,930.00 1,042.08 144.75 1,186.83 43.39

Questions? Don't hesitate, ever, to contact me.

COMMENTS ARE GOLDEN - this is about you so sound off ...

Ken Cook - Community Outreach Leader Southeast Region (I make friends, that's my job :) - FHA, USDA, VA and Conventional Home Loans (678) 439-8683 NMLS ID 208452

My employer: AmericaHomeKey, Inc., 2300 Windy Ridge Parkway, 8th Floor North Tower - 840N, Atlanta, GA 30339. NMLS ID 102930. Georgia residential mortgage licensee 23191. Equal housing lender.

Do you need help structuring a loan, or getting a rate quote? Call me at (650) 222-0386, or e-mail me

Jumbo Loans

FHA Approved Condo For Sale in Burlingame

Wed, 01 Sep 2010 17:26:01 -0400

Are you looking at condos for sale in Burlingame that are FHA approved? There is a condo for sale that is FHA approved located at 107 El Camino Real Unit 103.

FHA financing offers many benefits:

The down payment can be as low as 3.5%
The entire down payment can be a gift
Co-signers that do not occupy the property are allowed
The maximum loan amount in San Mateo County is $729,750
Fixed rates are available
Adjustable rates are available that have an initial fixed rate term
Credit history requirements are typically more flexible than what is required with a conventional loan

Burlingame real estate agent Dave Tapper describes this condo for sale - "It is in a great location, just two blocks from Burlingame Avenue." People love being this close to downtown!"

"This one level unit has three bedrooms and three baths. In addition, it has two master bedroom suites, a marble entry way, and gorgeous hardwood floors."

"There is a fireplace, and a washer and dryer in the unit. There is two car parking in this secured building with tons of extra storage."

"This condo is one of only a few that offer earthquake insurance. This is an upscale, classy building that is 10 years young."

In order to use FHA financing for a condo, the complex must be FHA approved. In Burlingame, there are only two condo complexes that are FHA approved as of the date of this post.

If you plan on using FHA financing to purchase a condo for sale, it's probably a good idea to contact an FHA lender to find out what complexes are FHA approved in the area that you are interested in. And it also makes sense to get pre-approved prior to making an offer. It will make your offer look stronger!

Do you need help structuring a loan, or getting a rate quote? Call me at (650) 222-0386, or e-mail me

Jumbo Loans

What's going on in the real estate market today in San Carlos, CA 94070?

Thu, 26 Aug 2010 13:11:57 -0400

What's going on in the real estate market today in San Carlos, CA 94070?

While gathering information today for a potential seller, I included what's going on in the real estate market in San Carlos, California.

Today, in the single-family home market, there are:

62 Active listings
28 Pending sales
11 Transactions that have closed in the last 6 weeks

Looking at the condo/townhouse market, we see:

34 Active listings
10 Pending sales
1 Transaction that has closed in the last 6 weeks

These are simply the bare statistics. You might like to know the trends we're seeing, what types of properties are selling, which are receiving multiple offers, and which are examples of what not to do when listing a home today.

If you'd like information about your particular neighborhood or type of property, I'm happy to provide it -- just shoot me an email or give me a call.

--- Just another benefit of living in San Mateo County and the Silicon Valley!

Lottie Kendall, Realtor

Today | Sotheby's International Realty

San Carlos, California, 94070

DRE#01215160; 650-465-4547; Lottie@LottieKendall.com; www.LottieKendall.com

Peninsula Living: San Mateo County and Silicon Valley Real Estate

How Real Estate Agents Can Improve Video and Images for Higher Ranking in Search Engines

Thu, 29 Jul 2010 10:00:46 -0400

Brad Andersohn constantly provides great content about how to imrove our social media marketing for us in the real estate industry. Here is his latest article about improving our SEO for the video and images we use in our social media marketing. I am going to post this on my Facebook page that focuses on social media marketing for real estate agents.

Via Brad Andersohn ~ Community Manager (ActiveRain):

How To Improve your Video and Images for Higher Ranking in the Search Engines.

Acquiring SEO and traffic to your Blog or Website using great content, titles, descriptions, and keywords etc. has always been a subtle yet powerful strategy in the Blogging community. Many new businesses and individuals don't start off blogging or creating websites with the understanding of how SEO (Search Engine Optimization) works, or why it might be important to their success. In time... they learn. We all do.

In my travels around the country teaching SEO, Blogging, and Social Networking, the one thing that is least talked about or questioned is the power of video and images. You hear "Content is King" but you won't hear or learn that video and images are the most viewed and sought after items on the Internet. Could this be one of the reasons Google has links to them at the top of every search results page?

How do you get YOUR Video and Images to show at the Top of the Search Engine Results?

Matt Cutts from Google explains a few ways you can accomplish this. He shares some great ideas and tips on using and adding meta-data and user generated content. The idea of using captioning in Video is brilliant! You provide the transcripts and youtube will auto-align the text.

Creating captioning is easier than you may think, Matt and others do this on every video and I can show you how.

Matt also shares some great ideas on how to use flickr, he gives some great examples and says “it’s almost like crowd sourcing!” Flickr has great SEO but you need to understand how to use tags, descriptions and some of the tips in this video will assist you in knowing how and why.

If you create and use your own pictures, images, or video, and you want to get views, traffic, and ultimately generate leads and business, it's important to know a few key things including the SEO tips Matt shares in this video. It's also important to know that SEO isn't the only key ingredient that gets your material found on the web. Apply the concept that "Content Is King" to images and video, along with these tips and you've won 90% of the battle.

Download The ActiveRain "HELP" Toolbar for your Browser

ActiveRain University Calendar Real Estate RainCamp The ActiveRain Manual

Do you need help structuring a loan, or getting a rate quote? Call me at (650) 222-0386, or e-mail me

Jumbo Loans

San Francisco Ca-389 Baltimore Way~Open House Sunday 6/27/10 2-4 pm

Sat, 06 Mar 2010 04:26:58 -0500

San Francisco California, Welcome to 389 Baltimore Way, Price to sell, Warm and cozy home!

Price to sell, Warm and cozy San Francisco detached single family home . This well kept home offers two stories with 3 bedroom 1 bath upstairs including cozy fireplace, hardwood floors, nearly remodeled kitchen with oak cabinets, marble floor and granite countertops, updated bath. Complete 1 bedroom 1 bath with spacious full kitchen in-law unit downstairs with separate entrance (W/O PERMIT) Double pane windows crown moldings, 2-car garage. Call for a private showing today

Property Features • Single Family Property • Year Built: 1960 • 3 bedroom • 2 bath(s) • Approximately 1168 sq. ft. • Two story • Style: Traditional • Basement • Hardwood floors • Fireplace(s) •Fireplace features: Wood burning • 2 car garage • Attached parking • Heating features: Central Forced Air • Exterior construction: Stucco Exterior • Roofing: Shingle • Lot is 2944 sq. ft.

Mayra Espinosa
CDPE|SFR|HAFA Certified

Foreclosure(REO)/Short Sale Certified Realtor

McGuire Real Estate
360 Primrose Road
Burlingame, CA 94010

Cell: 650-996-8961

Website: http://www.livingbayareahomes.com/
Website: http://www.mycalhomes.com

Free Credit Score

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IMPORTANT NOTICE:McGuire Real Estate, Mayra Espinosa is/are not associated with the government, and it services have not been approved by the government or the consumer’s lender. Your lender or mortgage servicer may not agree to change your loan and/or agree to a Short Sale. If you stop paying your mortgage, you could lose your home and damage your credit rating. You can stop doing business with McGuire Real Estate at any time. You can accept or reject any offer McGuire Real Estate obtains from your lender. If you reject the offer, you do not have to pay the company’s real estate commission as outlined in the listing agreement. There is no guarantee you will get the results you seek from a short sale. McGuire Real Estate does not provide Legal or Financial Advice. Please seek legal counsel. Should you hire McGuire Real Estate you may still communicate with your own lender. McGuire Real Estate will not charge upfront fees under any circumstances to the homeowner.

Work at Google or other close-by companies? Take a look at this new listing!

Wed, 02 Jun 2010 22:30:57 -0400

New Listing - 1963 Rock Street, Unit #12, Mountain View, CA 94043
Open Sunday, June 6, 2010 1:00 - 4:00 PM

Just listed for sale and ready to make its debut at the Brokers' Tour on Friday, June 4, 2010 is this very spacious 2-story upstairs end unit condo. Close to the Google campus and other high-tech employers, you can say good-bye to tedious freeway commutes!

Living is easy, tucked amidst the treetops in a quiet spot away from the street, overlooking the pool and lush landscaping. Enjoy the in-unit laundry with full-size machines, loads of storage, a pellet stove for chilly evenings and room A/C and ceiling fans on the warm days. Life is good here, with 3 decks with 3 different exposures--spots to dine, entertain, garden and simply kick back and relax! Garage parking plus additional off-street parking is an added bonus.

More information and a floor plan available at: www.1963RockStreet.com

--- Just another benefit of living in San Mateo County and the Silicon Valley!

Lottie Kendall, Realtor

Today | Sotheby's International Realty

San Carlos, California, 94070

DRE#01215160; 650-465-4547; Lottie@LottieKendall.com; www.LottieKendall.com

Peninsula Living: San Mateo County and Silicon Valley Real Estate

This house, 2448 Coronet in Belmont, CA 94002, is listed for sale at only $988,000

Thu, 03 Jun 2010 00:30:06 -0400

2448 Coronet Boulevard, Belmont, CA 94002
Open Saturday, June 5, 2010 1:00 - 4:00 PM
Priced at $988,000

On the market for only one month, 2448 Coronet Boulevard, Belmont, California, 94002 has just had a substantial price reduction. Close to the Oracle campus, with easy access to freeways leading to San Francisco and the Silicon Valley, this 4-bedroom home in the Belmont hills enjoys both a bay and city lights view and a usable back yard, right off the family room dining area.

This is an easy home to love, from its location within walking distance of Carlmont Shopping Center and the beautiful Belmont public library, to Belmont's highly desired schools. Living is easy here, with 1 bedroom and 1 full bath on the entry level, an upstairs master suite to answer your dreams, and 2 additional bedrooms upstairs. Huge patio off the dining/family room--spots to dine, entertain, garden and simply kick back and relax! A 2-car garage plus additional parking on the driveway is an added bonus, as is easy freeway access to 101, 280 and 92.

More information and a floor plan are available at: www.2448CoronetBlvd.com. Join us at the Open House on Saturday, June 5, 1:00 - 4:00 PM, or the brokers' tour on Tuesday, June 8, 9:30-12:30. Or--you or your agent can call for an easy-to-schedule appointment.

--- Just another benefit of living in San Mateo County and the Silicon Valley!

Lottie Kendall, Realtor

Today | Sotheby's International Realty

San Carlos, California, 94070

DRE#01215160; 650-465-4547; Lottie@LottieKendall.com; www.LottieKendall.com

Peninsula Living: San Mateo County and Silicon Valley Real Estate

Finding Unclaimed $$$$ Money $$$$ in California

Tue, 25 May 2010 20:22:05 -0400

Finding unclaimed money in California has been made much easier than in years past.

And who wouldn't like to learn they have a forgotten stash, large or small, waiting for them?

California's Unclaimed Property Law requires corporations, businesses, associations, financial institutions and insurance companies to report and deliver property to the California State Controller's Office. This must be done annually after there has been no activity on the account of contact with the owner for a period of time specified in the law, generally three years or more.

To start your search, simply go to the web site of the California State Controller's Office and follow the simple directions outlined there.

Best of luck!

--- Just another benefit of living in San Mateo County and the Silicon Valley!

Lottie Kendall, Realtor

Today | Sotheby's International Realty

San Carlos, California, 94070

DRE#01215160; 650-465-4547; Lottie@LottieKendall.com; www.LottieKendall.com

Peninsula Living: San Mateo County and Silicon Valley Real Estate

Real Estate Dinosaurs Of San Mateo County: We Are Going To Drive You Into Extinction!

Thu, 04 Mar 2010 07:31:23 -0500

Dear Real Estate Dinosaurs Of San Mateo County,

I, a fellow real estate agent, am writing this letter to you as fair warning, you are soon going to be extinct!

You know who you are. You spend thousands of dollars on your advertising. In your advertising you tell us how you are in the top 1% in the universe in sales. There's a picture of you next to your fancy car. You have pictures of homes that you have sold with a red CLOSED banner draped across to impress us.

Your office is a testimony to yourself. Your top producer trophies are spread throughout your expansive office. Your certificates with alphabet soup designations are perfectly placed to impress us.

Who am I, you may ask? I'm that agent down the hall in that small cubicle. It may not be real impressive, but it is where I am implementing my plan to drive you and others like you into extinction!

It is here where I am sharpening my tools to begin the assault. Don't worry, it won't be bloody, but it will be painful!

I won't be conducting this operation alone. I have teamed up with Phil Caulfield. He is a social media assassin. He has been trained in the art of social media warfare. And to be quite honest, he does not like you! He has called you in the past to introduce himself, but you have not returned his call. He has a chip on his shoulder. He wants you extinct as much as I do.

We are going to fight fair, so I am going to tell you the tools we are going to use to see your demise.

First, we are going to strike you with our ActiveRain blog. We are going to post content that buyers and sellers are looking for. As a matter of fact, we are going to hit you with content from page one of Google!

Next, we are going to poison you with a viral infection. We are going to post our content on our Facebook Fan Page. Our Fans are going to share this with their friends to make sure your virus spreads.

We've knocked you down, and you are staggering! As you are convulsing with your last breaths, we are going to psychologically destroy you by Tweeting our valuable content right in your face! I told you it was going to be painful!

Your days are numbered, Real Estate Dinosaur - I'm coming to get you.

Sincerely,

That Agent Down The Hall In The Small Cubicle

Do you need help structuring a loan, or getting a rate quote? Call me at (650) 222-0386, or e-mail me

Jumbo Loans

A Feel-good San Carlos, California story for a Sunny Sunday

Sun, 23 May 2010 15:22:57 -0400

San Carlos, California, 97070, is a real down-home kind of place, located on the Peninsula in San Mateo County, mid-way between San Francisco and San Jose. The motto of our town is "The City of Good Living."

Well, this story I came across today shows that is more than empty words--San Carlos really is the City of Good Living!

Last month a Good Samaritan found several $100 bills dancing along a downtown sidewalk, in the heart of our shopping area; looking further, he saw a whole stack of bills, totaling $2,000. He immediately took the money to the Police Department, where it was held for safekeeping.

Meanwhile, the woman who had withdrawn the cash from the local Wells Fargo Bank discovered a hole in her jacket pocket and the cash gone. After properly identifying herself, and with the assistance of the bank teller, the police were able to turn the money over to her. The thankful woman not only gave the finder some award, but made a donation to the police department's Juvenile Diversion Program. The police also acknowledged the Samaritan with their Citizen Appreciation Coin.

If you want to learn more about living on the Peninsula, log onto the Facebook page, Peninsula Living. San Carlos might just be the place you want to call home. Our real estate market is strong and active, and it's the people who help make it so great, not to mention the hiking, biking, trail running, schools, youth sports, rec center classes, concerts, farmers' markets, shops, libraries, etc.!

--- Just another benefit of living in San Mateo County and the Silicon Valley!

Lottie Kendall, Realtor

Today | Sotheby's International Realty

San Carlos, California, 94070

DRE#01215160; 650-465-4547; Lottie@LottieKendall.com; www.LottieKendall.com

Peninsula Living: San Mateo County and Silicon Valley Real Estate