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	<title>Santa Clarita Real Estate Blog</title>
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	<link>http://www.santaclaritarealestateblog.com</link>
	<description>Santa Clarita real estate updates, market trends and neighborhood information.</description>
	<pubDate>Mon, 10 Nov 2008 16:24:17 +0000</pubDate>
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		<title>Los Angeles County Foreclosure Report for October 2008</title>
		<link>http://www.santaclaritarealestateblog.com/los-angeles-county-foreclosure-report-for-october-2008/</link>
		<comments>http://www.santaclaritarealestateblog.com/los-angeles-county-foreclosure-report-for-october-2008/#comments</comments>
		<pubDate>Mon, 10 Nov 2008 16:24:17 +0000</pubDate>
		<dc:creator>Linda Slocum</dc:creator>
		
		<category><![CDATA[Foreclosures and Short Sales]]></category>

		<category><![CDATA[Santa Clarita Real Estate]]></category>

		<category><![CDATA[foreclosure]]></category>

		<category><![CDATA[loan modification]]></category>

		<category><![CDATA[los angeles county foreclosures]]></category>

		<category><![CDATA[santa clarita foreclosures]]></category>

		<category><![CDATA[short sale]]></category>

		<category><![CDATA[trustee sale]]></category>

		<guid isPermaLink="false">http://www.santaclaritarealestateblog.com/?p=690</guid>
		<description><![CDATA[
Los Angeles County Foreclosures for October decline 51% from September&#8217;s numbers.
The October foreclosure numbers for Los Angeles County show a steep decline in new foreclosures, or trustee sales, for the month, with 2,389 foreclosures for the entire region. This represents a decline of 51% from September&#8217;s foreclosures, which is the largest decline for the last two [...]]]></description>
			<content:encoded><![CDATA[<h3 class='post-summary'></h3>
<h3 class="post-summary">Los Angeles County Foreclosures for October decline 51% from September&#8217;s numbers.</h3>
<p>The October foreclosure numbers for Los Angeles County show a steep decline in new foreclosures, or trustee sales, for the month, with 2,389 foreclosures for the entire region. This represents a decline of 51% from September&#8217;s foreclosures, which is the largest decline for the last two years according to <a href="http://PropertyShark.com" target="_blank">PropertyShark</a>.</p>
<p style="text-align: center;"><img class="aligncenter" src="http://lindaslocum.com/graphics/PropertyShark/Oct08/ForeclosureChartOct08.jpg" alt="Foreclosure Chart October 2008" width="513" height="242" /></p>
<p>October foreclosures follow the same pattern as in prior months, with the Palmdale / Lancaster area leading the region in the number of foreclosures for the month.  Palmdale&#8217;s zip code 93550 tops the list of new foreclosures with 98, with the other areas rounding out this month&#8217;s Top 15 zip codes significantly lower. To summarize the Top 15 for the month, the Palmdale / Lancaster area has 303 of the total 640 foreclosures in the Top 15, Norwalk comes in at number 4 with 49, Pacoima is at number 5 with 47, and the rest of the list is rounded out by Southgate, Sylmar, Long Beach, Los Angeles and Baldwin Park, with zips 91706 in Baldwin Park and 90002 in Los Angeles at the bottom of the Top 15 list with 30 foreclosures each.</p>
<p>The Palmdale / Lancaster area fortunately was able to share in the downward trend for foreclosures this month, with declines of 50% or more in many of their zip codes. Compared to the August 2008 foreclosures, Palmdale&#8217;s zip code 93550 had 196 foreclosures in August vs 98 in October, for a 50% decline. Lancaster&#8217;s zip code 93535 had 162 foreclosures in August vs 73 in October, for a 55% decline.</p>
<p style="TEXT-ALIGN: center"><img class="aligncenter" src="http://lindaslocum.com/graphics/PropertyShark/Oct08/LACountyFCOct08.jpg" alt="Los Angeles County Foreclosures October 2008" width="362" height="367" /></p>
<p> For Santa Clarita, foreclosures remain relatively low with 100 foreclosures for the entire region. Valencia&#8217;s zip code 91355 leads the region in foreclosures with 15 for the month, followed by a tie at 14 for Valencia&#8217;s zip 91354 and Canyon Country&#8217;s zip 91387. Foreclosures continue to hit the low-to-middle priced homes the hardest, with an average loan of $445,424 for foreclosures in the Santa Clarita area.</p>
<p style="TEXT-ALIGN: center"><img class="aligncenter" src="http://lindaslocum.com/graphics/PropertyShark/Oct08/SCVFCOct08.jpg" alt="Santa Clarita Foreclosures October 2008" /></p>
<p>If you are behind on your mortgage payments, remember that there are options available to you that may help you to either save your home or at least have less impact on your credit report than a foreclosure would. Ask your lender about the possibility of a loan modification, which would help you to stay in your home, or a short sale, which would allow you to sell your home for less than the current mortgage balance. A qualified Realtor® should be able to help you to work through either of these options. Need help? Call Santa Clarita Realtor® Linda Slocum at 661.670.0349.</p>
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		<item>
		<title>Builders Create Layaway Plans for Homes</title>
		<link>http://www.santaclaritarealestateblog.com/builders-create-layaway-plans-for-homes/</link>
		<comments>http://www.santaclaritarealestateblog.com/builders-create-layaway-plans-for-homes/#comments</comments>
		<pubDate>Wed, 05 Nov 2008 17:43:20 +0000</pubDate>
		<dc:creator>Linda Slocum</dc:creator>
		
		<category><![CDATA[First Time Homebuyers]]></category>

		<category><![CDATA[Santa Clarita Real Estate]]></category>

		<category><![CDATA[beazer]]></category>

		<category><![CDATA[buy &amp; save]]></category>

		<category><![CDATA[calhfa]]></category>

		<category><![CDATA[christmas club]]></category>

		<category><![CDATA[down payment assistance]]></category>

		<category><![CDATA[downpayment assistance]]></category>

		<category><![CDATA[home buyer]]></category>

		<category><![CDATA[homebuyer]]></category>

		<category><![CDATA[hovnanian]]></category>

		<category><![CDATA[layaway]]></category>

		<category><![CDATA[passbook to the american dream]]></category>

		<guid isPermaLink="false">http://www.santaclaritarealestateblog.com/?p=689</guid>
		<description><![CDATA[
Desperate for sales, builders are creating department store copies of layaway plans for prospective homebuyers.
Builder layaway plans will be rolling out shortly, encouraging buyers to commit to new home purchases before they have enough down payment funds to actually purchase the home. Plan names range from &#8220;PASSBOOK to the American Dream&#8221; from Hovnanian to &#8220;Buy [...]]]></description>
			<content:encoded><![CDATA[<h3 class='post-summary'></h3>
<h3 class="post-summary">Desperate for sales, builders are creating department store copies of layaway plans for prospective homebuyers.</h3>
<p>Builder layaway plans will be rolling out shortly, encouraging buyers to commit to new home purchases before they have enough down payment funds to actually purchase the home. Plan names range from &#8220;PASSBOOK to the American Dream&#8221; from Hovnanian to &#8220;Buy &amp; Save&#8221; plan from Beazer, but all work basically the same.</p>
<p>These plans are supposed to keep buyers on a &#8221;steady savings track&#8221; and &#8220;act as a motivational time line&#8221; so potential homebuyers can accumulate their down payment funds by saving on a regular schedule. Should you save for a home with a department store Christmas club-like program run by a builder? &#8220;We kind of tagged on to that idea,&#8221; says Klinger of Hovnanian Mortgage. &#8220;We&#8217;re saving for a house the old-fashioned way, the way that it was always supposed to be.&#8221;</p>
<p>Hmmm&#8230; my B.S. detector is spiking out at this point&#8230;</p>
<p>First of all, you can save on your own by creating a Christmas club-type account at your bank. If you have automatic payroll deposits, you can have a portion of each paycheck automatically allocated to this account, and voila! you have a home purchase fund that&#8217;s fully under your control. Secondly, in California there are still down payment assistance programs through CalHFA. While not available to all buyers, these programs are available to many who will be financing under the various FHA programs. And lastly, why would you want to be committed to a builder for some future build date, unless they&#8217;re offering you some sort of additional incentives to do so?</p>
<p>Yeah, I&#8217;m a Realtor and I sell homes, but puleeeeze don&#8217;t insult my buyers&#8217; intelligence!</p>
<p>If you&#8217;re working to save up that 3% FHA-required down payment, here are a few simple steps to help out:</p>
<ul>
<li>Set up a separate bank account as your &#8220;House Fund&#8221;. You can open an account normally called a Christmas Fund account at your bank, and use it for your house instead. DON&#8217;T TOUCH this account, other than for the purchase of your new home!</li>
<li>Set up automatic deposits into your House Fund through your payroll department at work. They&#8217;ll let you allocate a specific dollar amount or a specific percentage of each check to this new House Fund bank account. If you&#8217;re an independent contractor, make a commitment to deposit a certain amount (or percentage) of each check into your House Fund.</li>
<li>Monitor ALL of your expenses, including Starbucks and doughnuts, and cut the fat (no pun intended) out of your budget. You&#8217;ll be amazed at how much the small things add up! Use a debit card instead of cash so all of your expenses are recorded and easily monitored. You can use Quicken or Money to track your expenses to make this process a lot easier.</li>
<li>Set a time line, and work backwards from there. If you want to purchase a home 6 months from now and need a $7,500 down payment for a $250,000 home, how much will you need to save from each paycheck to get there? If you&#8217;re starting with $1,000 in savings, you&#8217;ll need to save $6,500 in down payment funds, or $1,083 per month. If this is too much for your budget to handle, plan on extending that time line a bit so you won&#8217;t end up living off of Kraft Mac &#8216;n Cheese for the next several months.</li>
<li>Talk with a lender about the availability of down payment assistance programs through CalHFA. It could be that you won&#8217;t need to save up all those down payment funds after all&#8230; wouldn&#8217;t that be nice? Your Realtor can help you with the rest&#8230; closing costs can often be negotiated as part of the purchase contract, whether you&#8217;re buying from the builder or from a regular seller.</li>
</ul>
<p>Need help figuring this all out? Call me! You can reach me at 661.670.0349 or email me at Linda@SantaClaritaRealEstateBlog.com.</p>
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		<title>RIP Jeremiah Finton Lasater: 14-Year-Old Bullied to Death at Vasquez High</title>
		<link>http://www.santaclaritarealestateblog.com/rip-jeremiah-finton-lasater-14-year-old-bullied-to-death-at-vasquez-high/</link>
		<comments>http://www.santaclaritarealestateblog.com/rip-jeremiah-finton-lasater-14-year-old-bullied-to-death-at-vasquez-high/#comments</comments>
		<pubDate>Wed, 22 Oct 2008 21:35:37 +0000</pubDate>
		<dc:creator>Linda Slocum</dc:creator>
		
		<category><![CDATA[Editorial]]></category>

		<category><![CDATA[bullying]]></category>

		<category><![CDATA[discrimination]]></category>

		<category><![CDATA[intolerance]]></category>

		<category><![CDATA[proposition 8]]></category>

		<guid isPermaLink="false">http://www.santaclaritarealestateblog.com/?p=685</guid>
		<description><![CDATA[
Student commits suicide in high school restroom after being tormented and bullied on a daily basis because he was &#8220;different&#8221;.
Caution: This post may be considered to be controversial by some, as it includes some straight-talk about various types of intolerance. If you think you may be offended, you have five seconds to click away&#8230; one&#8230; two&#8230; [...]]]></description>
			<content:encoded><![CDATA[<h3 class='post-summary'></h3>
<h3 class="post-summary">Student commits suicide in high school restroom after being tormented and bullied on a daily basis because he was &#8220;different&#8221;.</h3>
<p><em>Caution: This post may be considered to be controversial by some, as it includes some straight-talk about various types of intolerance. If you think you may be offended, you have five seconds to click away&#8230; one&#8230; two&#8230; three&#8230; four&#8230;</em></p>
<p>Students at Vasquez High School in Acton, which sits on the border between the Santa Clarita and Antelope Valleys, got to witness the consequences of bullying and intolerance first-hand this week, when Jeremiah Lasater committed suicide in a school restroom. Jeremiah had apparently reached his limits after being subjected to daily tormenting by his fellow students.</p>
<p>Jeremiah had reportedly been tormented by his classmates in middle school (High Desert School) as well, but it seems the administrators at both schools, the middle school and high school, didn&#8217;t see the need to intervene. Why was Jeremiah so &#8220;special&#8221; that he deserved this treatment? Apparently he was a special-needs student, standing 6 feet, 6 inches tall and weighing nearly 300 pounds. He didn&#8217;t fit into the so-called &#8221;norm&#8221;, so his classmates went out of their way to make sure he knew that&#8230; day, after day, after day&#8230; until he finally broke down and took his own life to end his misery.</p>
<p>Says Stan Halperin, Acton-Agua Dulce Unified School District&#8217;s superintendent, &#8220;We have a zero-tolerance policy, and when we have an incident of bullying or taunting we address it immediately. We call in the parents and follow the policy, which included suspension and following the suspension with a learning pattern to teach the kids that bullying is wrong.&#8221; Uh, huh&#8230; Other parents have indicated that schools in the Acton area have long been known for not taking enough action regarding bullying on campus. I&#8217;ve had calls from parents living in Acton who didn&#8217;t want to give up their house and acreage there, but desperately wanted to find somewhere inexpensive in the Santa Clarita Valley to call &#8220;home&#8221;, at least on paper, so their kids didn&#8217;t have to go to their local schools.</p>
<p>So, now the school district is paying for grief counselors for these bullying kids, while Jeremiah&#8217;s parents plan for his funeral&#8230; What&#8217;s wrong with this picture?</p>
<p>This has been a week chock-full of intolerance, as election day is just around the corner and Proposition 8 supporters are gearing up by announcing their intolerance of the gay lifestyle. In my opinion, intolerance is intolerance, no matter how you attempt to justify it. It doesn&#8217;t matter what the target is, whether it&#8217;s calling a homosexual a &#8220;sinner&#8221;, referring to a person of color by the &#8220;N-word&#8221;, calling an overweight person &#8220;fatty&#8221;, or referring to the low-income Latino women in the Newhall area as &#8220;those stroller-pushing mamas&#8221;&#8230; all of these examples are derogatory and represent an intolerance of those who are different from yourself. And if you&#8217;re a parent, your children are likely picking up on this &#8220;vibe&#8221; and may be using it as a weapon against others in the schoolyard.</p>
<p>The question that many are asking is, &#8220;How do our children learn intolerance?&#8221; Well, it would seem that they learn it first at home, and then at school from their peers. Not all of us had the luxury of growing up in a household free of intolerance, but we do have the opportunity to make the choice as to whether we&#8217;re going to perpetuate that intolerance in our children and in our own lives. Can people change the way they act (and react) around people who are &#8220;different&#8221; than them? Of course they can! But will they, or will we continue to hear stories of kids either being murdered (as was the 14-year-old in Oxnard recently) or committing suicide as the result of bullying and intolerance?</p>
<p>See if you can catch yourself in the act of being intolerant, and then reflect on whether you really like that type of behavior or not, or if it&#8217;s just an old &#8220;reaction&#8221; that you&#8217;d like to change. It can start with something as simple as refraining from giving someone &#8220;the bird&#8221; when they cut you off in traffic. Think about it&#8230; how much do you do on a daily basis that is a result of your earlier &#8220;programming&#8221;, and how does that fit who you are today? Do you like the way you feel when you&#8217;re acting intolerant, or does it leave behind a feeling of anger or resentment that then follows you like a black cloud for the rest of the day? It takes effort to change years of patterning, but it&#8217;s definitely possible if you&#8217;re persistent.</p>
<p>Fortunately, it seems many of today&#8217;s children are choosing to make their own decisions to some extent, often going against their parents&#8217; examples of intolerance, and instead are just accepting people for who they are. Let&#8217;s hope that Santa Clarita&#8217;s parents and school administrators will quickly learn how to end bullying and tormenting in our schools, instead of turning the other way and acting as if it didn&#8217;t happen. We are all aware that administrators and staff on certain campuses will watch bullying happen and do nothing to stop it&#8230; it&#8217;s time to either reassign or retrain those people so no more parents are burying children who were killed on our school campuses as a result of intolerance.</p>
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		<title>SoCal Home Sales up 65% in September</title>
		<link>http://www.santaclaritarealestateblog.com/socal-home-sales-up-65-in-september/</link>
		<comments>http://www.santaclaritarealestateblog.com/socal-home-sales-up-65-in-september/#comments</comments>
		<pubDate>Tue, 21 Oct 2008 15:29:32 +0000</pubDate>
		<dc:creator>Linda Slocum</dc:creator>
		
		<category><![CDATA[Foreclosures and Short Sales]]></category>

		<category><![CDATA[Real Estate Market Activity]]></category>

		<category><![CDATA[Santa Clarita Real Estate]]></category>

		<category><![CDATA[foreclosure resales]]></category>

		<category><![CDATA[foreclosures]]></category>

		<category><![CDATA[home sales]]></category>

		<category><![CDATA[market statistics]]></category>

		<category><![CDATA[median price]]></category>

		<category><![CDATA[socal]]></category>

		<category><![CDATA[southern california home sales]]></category>

		<guid isPermaLink="false">http://www.santaclaritarealestateblog.com/?p=675</guid>
		<description><![CDATA[
Homes sales in Southern California area are up 65% for September 2008 as compared to the same period last year.
The good news for the Southern California economy is that homes are selling once again. September 2008 home sales in the Southern California region were higher than in any month since December 2006. and the year-over-year gain [...]]]></description>
			<content:encoded><![CDATA[<h3 class='post-summary'></h3>
<h3 class="post-summary">Homes sales in Southern California area are up 65% for September 2008 as compared to the same period last year.</h3>
<p>The good news for the Southern California economy is that homes are selling once again. September 2008 home sales in the Southern California region were higher than in any month since December 2006. and the year-over-year gain was the highest for any month since 1988 according to <a title="DataQuick" href="http://DataQuick.com" target="_blank">DataQuick</a>.</p>
<p>Although this increase is astounding, everything must be looked at in context to get the true picture of the real estate market. September 2007 sales represented a record low, since changes in the lending industry had bumped up the rates for jumbo mortgages the month before. And 50% of the homes sold in September 2008 had been foreclosed on sometime within the prior year.</p>
<p>&#8220;More impressive was that this September&#8217;s sales volume bucked the seasonal norm and rose above August,&#8221; says <a title="DataQuick" href="http://DataQuick.com" target="_blank">DataQuick</a> president John Walsh. Foreclosure resales by county continues to tell an interesting story, as Riverside County once again tops the list at 68.9%. Los Angeles County is near the bottom of the list this month, with foreclosure sales at 39.1%.</p>
<table style="width: 290px; height: 230px; text-align: center; border-width: 2px; border-color: #cbb034;" border="1" frame="border" align="center">
<caption>
<h3>Foreclosure Resales By County for September 2008</h3>
</caption>
<tbody>
<tr>
<td><span style="font-size: x-small;">County</span></td>
<td><span style="font-size: x-small;">% of Sales</span></td>
<td><span style="font-size: x-small;">Sales Volume for All Homes</span></td>
</tr>
<tr>
<td><span style="font-size: x-small;">Los Angeles</span></td>
<td><span style="font-size: x-small;">39.1%</span></td>
<td><span style="font-size: x-small;"> 6,274</span></td>
</tr>
<tr>
<td><span style="font-size: x-small;">Orange</span></td>
<td><span style="font-size: x-small;">36.8%</span></td>
<td><span style="font-size: x-small;"> 2,667</span></td>
</tr>
<tr>
<td><span style="font-size: x-small;">Riverside</span></td>
<td><span style="font-size: x-small;">68.9%</span></td>
<td><span style="font-size: x-small;"> 4,551</span></td>
</tr>
<tr>
<td><span style="font-size: x-small;">San Bernardino</span></td>
<td><span style="font-size: x-small;">63.1%</span></td>
<td><span style="font-size: x-small;"> 2,831</span></td>
</tr>
<tr>
<td><span style="font-size: x-small;">San Diego</span></td>
<td><span style="font-size: x-small;">47.3%</span></td>
<td><span style="font-size: x-small;"> 3,366</span></td>
</tr>
<tr>
<td><span style="font-size: x-small;">Ventura</span></td>
<td><span style="font-size: x-small;">44.0%</span></td>
<td><span style="font-size: x-small;"> 808</span></td>
</tr>
<tr>
<td><span style="font-size: x-small;">SoCal Region</span></td>
<td><span style="font-size: x-small;">64.6%</span></td>
<td><span style="font-size: x-small;">20,497</span></td>
</tr>
</tbody>
</table>
<p>With the higher level of foreclosure resales comes a decline in prices. The median price for the SoCal region dropped to $308,500, which is the lowest since May 2003. However, the median price never tells the complete story, since it is affected by regional price depreciation, relatively slow high-end sales, and the rising market share of foreclosure resales, which tend to sell at a discount. Also, remember that the Palmdale-Lancaster area continues to dominate the foreclosures in the Los Angeles County region. For 3rd quarter foreclosure (trustee sale) stats, <a title="3rd Quarter 2008 Foreclosures" href="http://www.santaclaritarealestateblog.com/foreclosure-report-for-los-angeles-county-3rd-quarter-2008/" target="_blank">click here</a>.</p>
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		<title>California Homebuyer Down Payment Assistance Programs are Still Available</title>
		<link>http://www.santaclaritarealestateblog.com/california-homebuyer-down-payment-assistance-programs/</link>
		<comments>http://www.santaclaritarealestateblog.com/california-homebuyer-down-payment-assistance-programs/#comments</comments>
		<pubDate>Tue, 14 Oct 2008 22:29:29 +0000</pubDate>
		<dc:creator>Linda Slocum</dc:creator>
		
		<category><![CDATA[First Time Homebuyers]]></category>

		<category><![CDATA[Money Saving Tips]]></category>

		<category><![CDATA[Santa Clarita Real Estate]]></category>

		<category><![CDATA[calfha]]></category>

		<category><![CDATA[calhfa]]></category>

		<category><![CDATA[down payment assistance]]></category>

		<category><![CDATA[fha loans]]></category>

		<category><![CDATA[first time homebuyer]]></category>

		<category><![CDATA[santa clarita lenders]]></category>

		<category><![CDATA[teacher loans]]></category>

		<guid isPermaLink="false">http://www.santaclaritarealestateblog.com/?p=670</guid>
		<description><![CDATA[
California Housing Agency offers down payment assistance to qualified first time homebuyers.
One of the biggest challenges facing first time homebuyers is coming up with enough money for a down payment. Fortunately, first time homebuyers in California may be able to take advantage of the down payment assistance programs offered by CalHFA (California Housing Finance Agency). These [...]]]></description>
			<content:encoded><![CDATA[<h3 class='post-summary'></h3>
<h3 class="post-summary">California Housing Agency offers down payment assistance to qualified first time homebuyers.</h3>
<p>One of the biggest challenges facing first time homebuyers is coming up with enough money for a down payment. Fortunately, first time homebuyers in California may be able to take advantage of the down payment assistance programs offered by <a title="CalHFA California Housing Finance Agency" href="http://www.calhfa.ca.gov" target="_blank">CalHFA</a> (California Housing Finance Agency). These programs provide either low-interest or no-interest loans for qualified first time homebuyers to cover their down payment or closing costs, and are considered to be &#8220;junior&#8221; loans (2nd mortgages). Payments are generally deferred on the 2nd mortgages created by these programs.</p>
<h4>Homebuyer Qualifications</h4>
<ul>
<li>In order to qualify for the CalHFA down payment assistance program, you must be a first time homebuyer. For purposes of CalHFA, a first time homebuyer is someone who has not owned and occupied their own home during the last 3 years. However, this requirement may not be necessary if you are buying in a Federally-designated Targeted Area.</li>
<li>Certain income requirements must also be met for the CalHFA program. For Los Angeles County, the moderate income limits are $90,960 for 1-2 person households and and $106,120 for households with 3 or more occupants. The low income limits are $54,576 and $62,762, respectively.</li>
<li>The home purchased must be within certain purchase price limits for the county. For Los Angeles County, the maximum purchase price is $729,750 for most areas, and may be as high as $734,891 for new construction purchases in Targeted Areas.</li>
<li>CalHFA down payment assistance funds are only available for owner-occupied homes. You must live in the home for the entire term of the loan, or until the home is sold or refinanced.</li>
<li>The homebuyer must meet the lender&#8217;s credit, income and loan requirements.</li>
<li>The homebuyer must a citizen or other national of the United States or a qualified alien. </li>
<li>The homebuyer must complete homebuyer education counseling and received a certificate of completion through an eligible homebuyer counseling organization. </li>
</ul>
<h4>Available Down Payment Assistance Programs</h4>
<p>Be sure to check with a qualified CalHFA lender for updates to any of the program requirements. As of the time of this writing, the available down payment assistance programs are as follows:</p>
<ul>
<li><a title="Affordable Housing Partnership Program AHPP" href="http://www.calhfa.ca.gov/homebuyer/programs/ahpp.htm" target="_blank">Affordable Housing Partnership Program (AHPP)</a>
<ul>
<li>A joint effort by CalHFA and cities, counties, redevelopment agencies and housing authorities. A deferred payment subordinate loan from a locality assists first-time homebuyers with down payment and/or closing costs. </li>
</ul>
</li>
<li><a title="California Homebuyers Downpayment Assistance Program CHDAP" href="http://www.calhfa.ca.gov/homebuyer/programs/chdap.htm" target="_blank">California Homebuyer&#8217;s Downpayment Assistance Program (CHDAP)</a>
<ul>
<li>Creates a deferred-payment junior loan of an amount up to the lesser of three percent (3%) of the purchase price or appraised value. </li>
</ul>
</li>
<li><a title="Extra Credit Teacher Home Purchase Program ECTP" href="http://www.calhfa.ca.gov/homebuyer/programs/ectp.htm" target="_blank">Extra Credit Teacher Home Purchase Program (ECTP)</a>
<ul>
<li>A low interest rate CalHFA first loan, together with a forgivable interest CalHFA junior loan to assist eligible teachers, administrators, staff members and classified employees to purchase their first home. </li>
<li>Amounts range from $7,500 to $15,000, depending on the location of the property, or 3% of the purchase price, whichever is greater. This junior loan is only available when combined with a CalHFA first mortgage loan. Interest on the junior loan is deferred and may be reduced to zero if the borrower meets continued eligibility requirements. </li>
<li>This program may be combined with other CalHFA-approved down payment assistance loans or grants (with the exception of CHDAP) to help in the purchase of the home.</li>
<li>In order to qualify for this program, the homebuyer must be employed by a High Priority K-12 public school. High Priority schools are those with API scores in the bottom 50%, have no API scores and 70% of the student are eligible for free or reduced cost lunches, or are county continuation schools. In the Santa Clarita Valley, Bowman High School is the only continuation school.</li>
</ul>
</li>
<li><a title="School Facility Fee Down Payment Assistance Program SFF" href="http://www.calhfa.ca.gov/homebuyer/programs/sff.htm" target="_blank">School Facility Fee Down Payment Assistance Program (SFF)</a>
<ul>
<li>A conditional grant program that provides assistance to buyers of newly constructed homes throughout California. </li>
</ul>
</li>
</ul>
<h4>Finding a Lender</h4>
<p>If you&#8217;re a first time homebuyer wanting to take advantage of the California down payment assistance programs, you must use a lender who is qualified by the CalHFA. You can search for lenders <a title="CalHFA Lenders" href="https://wp11.calhfa.ca.gov/ApprovedLenders/Default.aspx" target="_blank">here </a>for an updated list. Santa Clarita area lenders qualified for these programs include the following:</p>
<ul>
<li>First Mortgage Corp (661) 964-0700</li>
<li>Universal American Mortgage (661) 702-0140</li>
<li>CTX Mortgage (661) 255-1854</li>
<li>Wells Fargo Mortgage (661) 284-6446 and (661) 799-4682</li>
<li>Washington Mutual Mortgage (661) 254-8700</li>
<li>National City Bank (661) 260-2751</li>
<li>Wescom Credit Union (888) 493-7266 x5900</li>
</ul>
<p>Happy house hunting! If you need a qualified Realtor to help you find your home, please contact Linda Slocum at (661) 670-0349.</p>
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		<item>
		<title>Homesteading as Protection Against Creditors</title>
		<link>http://www.santaclaritarealestateblog.com/homesteading-as-protection-against-creditors/</link>
		<comments>http://www.santaclaritarealestateblog.com/homesteading-as-protection-against-creditors/#comments</comments>
		<pubDate>Sun, 12 Oct 2008 22:32:12 +0000</pubDate>
		<dc:creator>Linda Slocum</dc:creator>
		
		<category><![CDATA[Money Saving Tips]]></category>

		<category><![CDATA[Santa Clarita Real Estate]]></category>

		<category><![CDATA[automatic homestead]]></category>

		<category><![CDATA[bankruptcy]]></category>

		<category><![CDATA[declared homestead]]></category>

		<category><![CDATA[home equity]]></category>

		<category><![CDATA[homestead]]></category>

		<category><![CDATA[homestead declaration]]></category>

		<category><![CDATA[overextended credit]]></category>

		<category><![CDATA[ray bulaon]]></category>

		<guid isPermaLink="false">http://www.santaclaritarealestateblog.com/?p=665</guid>
		<description><![CDATA[
Homestead protection may save your home and your home equity from unsecured creditors.
Homesteading in California can provide up to $150,000 in protection against creditors who may sue to force you to sell your home to pay the amounts that you owe them. The amounts owed can be as the result of lawsuits, or just from having overextended [...]]]></description>
			<content:encoded><![CDATA[<h3 class='post-summary'></h3>
<h3 class="post-summary">Homestead protection may save your home and your home equity from unsecured creditors.</h3>
<p class="post-summary">Homesteading in California can provide up to $150,000 in protection against creditors who may sue to force you to sell your home to pay the amounts that you owe them. The amounts owed can be as the result of lawsuits, or just from having overextended credit.</p>
<p class="post-summary">There are two types of homesteads available: an automatic homestead and a declared homestead. An automatic homestead protects some of your home equity until you sell your home, as long as you live in the home (you cannot homestead an investment property). A declared homestead can protect your home equity for up to 6 months after you sell your home, as long as you use the proceeds to buy a new home within 6 months and declare a homestead on that home.</p>
<h4 class="post-summary">Automatic Homestead</h4>
<p class="post-summary">An automatic homestead is in place if you live in the home that you own. You do not have to complete any forms, and it protects your home equity until you sell your home. However, an automatic homestead does not provide the same level of protection as a declared homestead. </p>
<p class="post-summary">A homeowner who is overextended financially and is being dunned by creditors or debt collection agencies should consult an attorney for advice on the need for filing a homestead declaration. If you are in financial trouble, or expect to be in financial trouble, you may want to consider filing a declared homestead.</p>
<h4 class="post-summary">Declared Homestead</h4>
<p class="post-summary">A declared homestead is filed at the <a title="County Recorder's Office" href="http://www.lavote.net/RECORDER/Document_Recording.cfm" target="_blank">County Recorder&#8217;s Office</a> on a properly signed and notarized form that you can either buy in an office supply store or <a title="Homestead Declaration" href="http://www.lavote.net/GENERAL/PDFS/HOMESTEAD_DECLARATION.pdf" target="_blank">download</a> for free. According to the <a title="California Department of Consumer Affairs" href="http://www.dca.ca.gov" target="_blank">California Department of Consumer Affairs</a>, &#8220;A properly prepared and recorded homestead declaration immunizes the home (and the land on which it is situated) from many (but not all) legal enforcement measures. For example, if a homeowner files a petition in bankruptcy, it may be possible, because of a homestead declaration, to retain the home, or at least a portion of the equity in the property, instead of losing it to creditors.&#8221;</p>
<p class="post-summary">In other words, if you sell your home voluntarily without a declared homestead in place, the protection of your home equity may be lost. This means that the proceeds of the sale of your home will go to the judgment creditor or creditors rather than to you, the owner, to use in purchasing another home. Remember that you must purchase a replacement home within 6 months and file a declared homestead on that new home in order for your homestead protection to remain in place.</p>
<p class="post-summary">A declared homestead will NOT protect you from foreclosure by your mortgage lender if you are behind in your payments. Nor will it protect you from a mechanic&#8217;s lien or if you are behind in child or spousal support. If you are unsure as to how to complete the Homestead Declaration form, you may wish to hire a homestead filing service. By law, these services cannot charge more than $25, including notary and filing services. You can also find various do-it-yourself guides that will provide examples as to how to complete the form.</p>
<p class="post-summary">At the County Recorder&#8217;s Office, the documents presented will be reviewed and recorded, with the original document being mailed back to you within 4-6 weeks. The base fee for recording documents is $7 for the first page, and $3 for each additional page. Certified copies can be requested for $6 for the first page and $3 for each subsequent page.</p>
<p class="post-summary"><strong>NOTE:</strong> The Van Nuys County Recorder&#8217;s Office will be closed until November 30, 2008. If you need to file a declared homestead before then, you&#8217;ll need to travel to the Lancaster office instead. Documents may also be mailed to: Document Analysis and Recording, P.O. Box 53115, Los Angeles, CA 90053-0115. Be sure to include the proper filing fees with each document to be recorded. For more information, call (562) 462-2125 in Los Angeles County.</p>
<h4 class="post-summary">How Much Equity Does a Homestead Protect?</h4>
<p class="post-summary">A homestead can protect your home from unsecured creditors in the following amounts (there is no difference in amounts for automatic or declared homesteads):</p>
<li>$50,000 for an individual;</li>
<li>$75,000 if the homeowner lives with at least one family member who has no interest in the house;</li>
<li>$150,000 if the homeowner is 65 years of age or older, or is physically or mentally disabled;</li>
<li>$150,000 if the homeowner is 55 years of age or older and single with an annual income of $15,000 or less;</li>
<li>$150,000 for a married couple with a combined annual income of $20,000 or less.</li>
<p class="post-summary"><em>Disclaimer: This information is not intended as a substitute for legal advice. Be sure to consult an attorney if you are having financial difficulties or if you are unsure of the homestead process. If you are considering filing bankruptcy or need assistance with foreclosure prevention, contact attorney </em><a title="Bulaon Law Offices" href="http://bulaonlaw.com" target="_blank"><em>Ray Bulaon</em></a><em> at 818.243.7745.</em></p>
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		<item>
		<title>Homebuilders to Standardize Features and Build Smaller Homes to Increase Profits</title>
		<link>http://www.santaclaritarealestateblog.com/homebuilders-to-standardize-features-and-build-smaller-homes-to-increase-profits/</link>
		<comments>http://www.santaclaritarealestateblog.com/homebuilders-to-standardize-features-and-build-smaller-homes-to-increase-profits/#comments</comments>
		<pubDate>Sun, 12 Oct 2008 20:12:54 +0000</pubDate>
		<dc:creator>Linda Slocum</dc:creator>
		
		<category><![CDATA[New Construction]]></category>

		<category><![CDATA[Santa Clarita Real Estate]]></category>

		<category><![CDATA[flex space]]></category>

		<category><![CDATA[kb]]></category>

		<category><![CDATA[kb home]]></category>

		<category><![CDATA[lennar]]></category>

		<category><![CDATA[mcmansion]]></category>

		<category><![CDATA[new construction]]></category>

		<category><![CDATA[new homes]]></category>

		<category><![CDATA[rivervillage]]></category>

		<category><![CDATA[santa clarita homes]]></category>

		<category><![CDATA[west creek]]></category>

		<category><![CDATA[west hills]]></category>

		<guid isPermaLink="false">http://www.santaclaritarealestateblog.com/?p=661</guid>
		<description><![CDATA[
Builders cut home sizes and building costs in hopes of selling more homes and increasing their bottom line.
KB Home has announced plans to introduce smaller homes with simplified designs in an effort to attract first-time homebuyers and to increase their sagging bottom line. Gone are the McMansions of a few years ago, to be replaced by [...]]]></description>
			<content:encoded><![CDATA[<h3 class='post-summary'></h3>
<h3 class="post-summary">Builders cut home sizes and building costs in hopes of selling more homes and increasing their bottom line.</h3>
<p class="post-summary">KB Home has announced plans to introduce smaller homes with simplified designs in an effort to attract first-time homebuyers and to increase their sagging bottom line. Gone are the McMansions of a few years ago, to be replaced by homes with smaller square footage and less wasted space.</p>
<p class="post-summary">KB will also be standardizing a lot of features, much as Lennar has already done in the Santa Clarita area. If you visit any of the Lennar homes in the West Hills, West Creek or RiverVillage developments in Valencia, you&#8217;ll notice similar cabinets, countertops and flooring in all price levels. The Lennar homes are virtually move-in ready, with designer paint on the walls and refrigerators included (earlier models included washer and dryer as well). KB has been known for the exact opposite&#8230; everything was NOT included, with items such as fireplaces and separate tub and shower in the master bath treated as extras, and no designer touches whatsoever without paying an extra fee to their design center.</p>
<p class="post-summary">Builders can save a lot of money by bulk-ordering a lot of the components used in building a home, such as windows, cabinets, countertops and more. This process can be even more effective by ordering only standard-sized windows, for example, so all homes use the same windows and no extra fees are paid for custom sizes.  Buyers will still be able to visit the KB design center to customize their new homes&#8230; the design center will still provide thousands of options for carpet, floor tile and more, and will remain a large profit center for the builder.</p>
<p class="post-summary">What the smaller homes will be lacking will primarily be the formal living spaces, to be replaced by &#8220;flex&#8221; space instead. With flex space, the main features of the house, such as kitchens, stairways and plumbing, remain the same, but certain areas can be either added or altered to be used as bedrooms, lofts or dens without adding significant cost to the home. As KB&#8217;s president and chief executive Jeffrey Mezger said, &#8220;You can&#8217;t sit and wait for the market to come back to you. You have to retool your product.&#8221;</p>
<p class="post-summary">I don&#8217;t know why builders continue to include the formal living spaces in many homes anyways&#8230; these are areas that most homeowners don&#8217;t use very often, and many would prefer to have usable square footage instead of rooms that just collect dust. Could it be that the change in the real estate market has also brought about a builder&#8217;s reality check in the way that people really use their homes? While some families do use formal dining rooms once or twice a year, the use of formal living rooms have gone the way of the dinosaur for the most part, at least in the Southern California area.</p>
<p class="post-summary">It&#8217;s funny that the home-buying public tends to be brainwashed into thinking that they must have a formal dining room that will accomodate their existing oversized dining room table, even though they haven&#8217;t used that table in the last 10 years. Quite an expensive room, and a waste of square footage in many cases, just to house a special table! It&#8217;s not uncommon to see single-guy homes where they&#8217;ve converted the formal living spaces into screening rooms and home gyms, or to see formal living or dining rooms converted into playrooms in homes with small children.</p>
<p class="post-summary">The upside to this standardization is that in many cases new home buyers will start out with nicer flooring, countertops and other features than they would if they were required to pay extra in the builder&#8217;s design center for these upgrades. The downside is that while the homes are generally nicer overall, they all look pretty much the same. Generic homes will be replacing McMansions, and hopefully consumers will begin to have more control over their discretionary spending as well.</p>
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		<title>Energy Tax Credits Extended for 2009</title>
		<link>http://www.santaclaritarealestateblog.com/energy-tax-credits-extended-for-2009/</link>
		<comments>http://www.santaclaritarealestateblog.com/energy-tax-credits-extended-for-2009/#comments</comments>
		<pubDate>Thu, 09 Oct 2008 19:22:41 +0000</pubDate>
		<dc:creator>Linda Slocum</dc:creator>
		
		<category><![CDATA[Green Living]]></category>

		<category><![CDATA[Money Saving Tips]]></category>

		<category><![CDATA[Santa Clarita Real Estate]]></category>

		<category><![CDATA[economic stabilisation act]]></category>

		<category><![CDATA[energy efficient]]></category>

		<category><![CDATA[energy star]]></category>

		<category><![CDATA[energy tax credit]]></category>

		<category><![CDATA[federal tax credit]]></category>

		<category><![CDATA[go solar california]]></category>

		<category><![CDATA[solar energy]]></category>

		<category><![CDATA[solar power]]></category>

		<category><![CDATA[solar water heater]]></category>

		<guid isPermaLink="false">http://www.santaclaritarealestateblog.com/?p=654</guid>
		<description><![CDATA[
Federal tax credits for energy efficient home improvements have been extended into 2009.
The recently-signed &#8220;Emergency Economic Stabilisation Act of 2008&#8243; included an extension of the residential tax credits for energy efficient improvements. The previous tax credits expired at the end of 2007.
The new tax credits for installing energy efficient improvements are only good for 2009 installations [...]]]></description>
			<content:encoded><![CDATA[<h3 class='post-summary'></h3>
<h3 class="post-summary">Federal tax credits for energy efficient home improvements have been extended into 2009.</h3>
<p>The recently-signed &#8220;Emergency Economic Stabilisation Act of 2008&#8243; included an extension of the residential tax credits for energy efficient improvements. The previous tax credits expired at the end of 2007.</p>
<p>The new tax credits for installing energy efficient improvements are only good for 2009 installations - there will be no tax credits for improvements installed during 2008. So, if you&#8217;re doing some tax planning for 2009, it may be best to hold off on doing these types of improvements until after January 1!</p>
<p>Tax credits are available for insulation, replacement windows, water heaters, and certain high efficiency heating and cooling equipment. However, be aware that not all Energy Star rated improvements are eligible for the tax credit. Be sure to check <a title="EnergyStar" href="http://EnergyStar.gov" target="_blank">EnergyStar.gov</a> for rules and more details.</p>
<p>Here are some examples of the federal tax credits that are available to homeowners:</p>
<ul>
<li><strong>Windows:</strong> 10% of cost, up to $200, for qualified ENERGY STAR windows, skylights and storm windows</li>
<li><strong>Doors (exterior):</strong> 10% of cost, up to $500, for qualifying doors (most ENERGY STAR doors will qualify)</li>
<li><strong>Roofs (metal):</strong> 10% of cost, up to $500, for qualifying ENERGY STAR metal roofs</li>
<li><strong>Insulation:</strong> 10% of cost, up to $500, for qualifying insulation (not vapor retarders or siding)</li>
<li><strong>Air Conditioning (split or package systems):</strong> $300 for qualifying systems, not all ENERGY STAR systems qualify</li>
<li><strong>Water Heaters (tankless only):</strong> $300 for qualifying systems</li>
<li><strong>Cars:</strong> Credits are available for certain cars, and is limited by 60,000 per manufacturer before a phase-out period begins</li>
<li><strong>Solar Water Heating:</strong> 30% of cost, up to $2,000, not available for water heaters used for pools or spas</li>
<li><strong>Solar Power (Photovoltaic):</strong> 30% of cost, up to $2,000, must provide electricity for the home</li>
<li><strong>Fuel Cells:</strong> 30% of cost, up to $1,000 per kW of power that can be produced</li>
</ul>
<p>Please be aware that California may provide similar credits as well! See <a title="Go Solar California" href="http://GoSolarCalifornia.org" target="_blank">Go Solar California</a> and <a title="California Solar Initiative" href="http://www.sce.com/rebatesandsavings/CaliforniaSolarInitiative/" target="_blank">California Solar Initiative</a> for more information on solar power and available tax credits for California homeowners. Currently the California solar water heating credit is only available as a pilot program in San Diego. <a title="Southern California Edison" href="http://sce.com" target="_blank">Southern California Edison</a> (SCE) is also offering 90-minute <a title="California Homeowner Solar Information Sessions" href="http://www.sce.com/RebatesandSavings/CaliforniaSolarInitiative/Training/Residential.htm" target="_blank">Homeowner Solar Information Sessions</a>, with upcoming sessions in Santa Barbara and Santa Monica. You can also take SCE&#8217;s <a title="SCE Online Home Energy Survey" href="http://www.sce.com/_Tools/Residential/HomeEnergySurvey.htm">Online Home Energy Survey</a> to learn more about saving energy in your home.</p>
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		<title>Foreclosure Report for Los Angeles County 3rd Quarter 2008</title>
		<link>http://www.santaclaritarealestateblog.com/foreclosure-report-for-los-angeles-county-3rd-quarter-2008/</link>
		<comments>http://www.santaclaritarealestateblog.com/foreclosure-report-for-los-angeles-county-3rd-quarter-2008/#comments</comments>
		<pubDate>Fri, 03 Oct 2008 19:18:36 +0000</pubDate>
		<dc:creator>Linda Slocum</dc:creator>
		
		<category><![CDATA[Foreclosures and Short Sales]]></category>

		<category><![CDATA[Santa Clarita Real Estate]]></category>

		<category><![CDATA[auctions]]></category>

		<category><![CDATA[foreclosures]]></category>

		<category><![CDATA[preforeclosure]]></category>

		<category><![CDATA[santa clarita foreclosures]]></category>

		<category><![CDATA[santa clarita trustee sales]]></category>

		<category><![CDATA[short sale]]></category>

		<category><![CDATA[trustee sales]]></category>

		<guid isPermaLink="false">http://www.santaclaritarealestateblog.com/?p=641</guid>
		<description><![CDATA[
Foreclosures continue to rise in Los Angeles County, although Santa Clarita foreclosures still remain relatively low compared to the surrounding areas.
Foreclosure auctions (trustee sales) continue to rise in Los Angeles County for the 3rd quarter of 2008, increasing 9% compared to the previous quarter according to data provided by PropertyShark. Foreclosures from 2007 vs 2008 for [...]]]></description>
			<content:encoded><![CDATA[<h3 class='post-summary'></h3>
<h3 class="post-summary">Foreclosures continue to rise in Los Angeles County, although Santa Clarita foreclosures still remain relatively low compared to the surrounding areas.</h3>
<p>Foreclosure auctions (trustee sales) continue to rise in Los Angeles County for the 3rd quarter of 2008, increasing 9% compared to the previous quarter according to data provided by <a title="PropertyShark" href="http://PropertyShark.com" target="_blank">PropertyShark</a>. Foreclosures from 2007 vs 2008 for the 3rd quarter are up 196%.<br />
The most foreclosures in Los Angeles County were by Countrywide, followed by Washington Mutual. The Palmdale/Lancaster areas continue to top the list of foreclosures, with Sylmar near the top of the list as well. Palmdale&#8217;s zip code 93550 has the highest rate of foreclosures, at a rate of one in every 45 homes. Lancaster&#8217;s zip code 93535 follows close behind, with one in every 46 homes in foreclosure. The Top 15 zip codes in Los Angeles County for the 3rd quarter of 2008 are below.</p>
<div id="attachment_644" class="wp-caption aligncenter" style="width: 327px"><a href="http://www.santaclaritarealestateblog.com/files/2008/10/lacountyfc3q08.jpg"><img class="size-full wp-image-644" title="Los Angeles County Foreclosures 3Q08" src="http://www.santaclaritarealestateblog.com/files/2008/10/lacountyfc3q08.jpg" alt="Los Angeles County Foreclosures 3rd Quarter 2008" width="317" height="367" /></a><p class="wp-caption-text">Los Angeles County Foreclosures 3rd Quarter 2008</p></div>
<p>Santa Clarita&#8217;s foreclosure hot spots continue to be Canyon Country zip codes 91351 and 91387, with over 100 foreclosures during the quarter for each zip code. This puts these zip codes at rankings 35 and 36 of the top foreclosure zip codes for Los Angeles County for the 3rd quarter of 2008. Remember that each zip code can have significantly more or less homes than surrounding zip codes, so while Valencia&#8217;s 91355 has 53 foreclosures for the quarter, that&#8217;s only about 0.5% of the total homes in the area.</p>
<div class="mceTemp mceIEcenter">
<div id="attachment_646" class="wp-caption aligncenter" style="width: 461px"><a href="http://www.santaclaritarealestateblog.com/files/2008/10/scvfc3q081.jpg"><img class="size-full wp-image-646" title="Santa Clarita Foreclosures 3Q08" src="http://www.santaclaritarealestateblog.com/files/2008/10/scvfc3q081.jpg" alt="Santa Clarita Foreclosures 3rd Quarter 2008" width="451" height="246" /></a><p class="wp-caption-text">Santa Clarita Foreclosures 3rd Quarter 2008</p></div>
<div class="mceTemp mceIEcenter"> </div>
</div>
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		<item>
		<title>Peeeuuuu! A Skunk!</title>
		<link>http://www.santaclaritarealestateblog.com/peeeuuuu-a-skunk/</link>
		<comments>http://www.santaclaritarealestateblog.com/peeeuuuu-a-skunk/#comments</comments>
		<pubDate>Tue, 30 Sep 2008 23:47:24 +0000</pubDate>
		<dc:creator>Linda Slocum</dc:creator>
		
		<category><![CDATA[Local News and Updates]]></category>

		<category><![CDATA[rodent]]></category>

		<category><![CDATA[skunk]]></category>

		<category><![CDATA[skunk control]]></category>

		<category><![CDATA[skunk removal]]></category>

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Skunks are on the loose in Santa Clarita&#8230; what can you do about these odorous pests?

Now that my dogs have been skunked twice in the last week, both times in my back yard, I realize that I&#8217;m likely not the only Santa Clarita resident dealing with late-night doggy-showers and skunk smell.
What can you do if [...]]]></description>
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<div class="mceTemp">Skunks are on the loose in Santa Clarita&#8230; what can you do about these odorous pests?</div>
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<p><a href="http://www.santaclaritarealestateblog.com/files/2008/09/baby_skunk.jpg"><img class="size-medium wp-image-635 alignright" src="http://www.santaclaritarealestateblog.com/files/2008/09/baby_skunk.jpg" alt="Baby Skunks" width="240" height="180" /></a>Now that my dogs have been skunked twice in the last week, both times in my back yard, I realize that I&#8217;m <a href="http://i299.photobucket.com/albums/mm283/WIZZY007/Baby_Skunk.jpg"></a>likely not the only Santa Clarita resident dealing with late-night doggy-showers and skunk smell.</p>
<p>What can you do if there&#8217;s a skunk in your yard? Unfortunately, a call to Animal Control will not provide much help. They want you to buy a trap at a local feed store, catch the skunk, and then call them to pick it up.</p>
<p>The best way to keep skunks out of your neighborhood is to remove food, water and shelter that may encourage skunks to take up residence in your yard. That means no food left out overnight for your pets or wild animals (store food in animal-proof containers), close the lids on trash cans, pick up fallen fruit from trees, and secure all pet doors. One of the best hiding places for skunks is under low backyard decks, which can be protected from skunks by installing 1/4 inch screening.</p>
<p>Not that skunks are all bad&#8230; they do help control rodents and insects in your yard, so as long as you don&#8217;t have dogs to get them upset, they&#8217;ll probably leave you alone. They&#8217;re nocturnal animals, so they&#8217;ll most likely be doing their rodent and insect control while you&#8217;re asleep.</p>
<p>Trouble is, I have dogs who are overprotective and apparently very slow learners. No sooner do I get them bathed and partially de-skunked, and they&#8217;re ready to run out in the yard to hunt it down again. They don&#8217;t even need to get that close&#8230; skunks are supposed to be able to spray with accuracy for up to 10 feet!</p>
<p>Other than stinking up curious pets, skunks can cause damage to your garden and are also some of the most common carriers of rabies. According to Animal Care and Control, rabies is preventable in man and domestic animals through routine vaccination but is not curable after the onset of symptoms. In addition to rabies, skunks can carry leptospirosis, listeriosis, canine distemper, canine hepatitis, Q-fever, tularemia, and trypanosoma. They are also heavily infested with ticks, fleas, and mites which are known carriers and transmitters of disease.</p>
<p>OK&#8230; so maybe I should go get that skunk trap now&#8230;</p>
<p>If you do decide to trap a pesky skunk, the best baits to use are raw whole egg, peanut butter, sardines, raw chicken parts, or pet food. You can use 10&#215;12x32 inch cage traps that you buy at a local feed store, or make your own. If you make your own trap, be sure to cover the top, bottom, and sides of the trap with heavy cardboard or 1/4 inch plywood to keep the person removing the trap from getting sprayed. You can call Animal Control at (661) 257-3191 to remove the trapped skunk.</p>
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